Medical insurance for immigrants in Cyprus in 2024. Affordable immigration insurance.
Medical insurance for immigrants in Cyprus
Anyone planning to move to Cyprus must acquire medical insurance for immigrants.
In this analytical guide to medical insurance for immigrants in Cyprus, we will examine the various residency and work schemes in the country and explain why you need to obtain immigration insurance.
In addition, we will explain how these immigration insurances work, the main types of coverage you can buy, and the most affordable contracts.
Table of contents
- What is medical insurance for immigrants in Cyprus?
- Medical insurance for immigrants coverages
- Claims of medical insurance for immigrants
- Pink Slip Insurance in Cyprus
- Yellow Slip Insurance in Cyprus
- Work Permit Insurance in Cyprus
- Medical insurance for immigrants cost
- Best medical insurance for immigrants
- Online medical insurance for immigrants
- Affordable medical insurance for immigrants quotes
- Medical insurance for immigrants quotes
What is medical insurance for immigrants in Cyprus?
Medical insurance for immigrants is a compulsory policy that all non-EU residents wishing to legally reside in Cyprus (temporarily or permanently) must acquire.
Most EU citizens wishing to permanently live or work in Cyprus must also acquire this type of insurance.
When applying for a residency visa, the insurance certificate should be presented to the immigration authorities in Cyprus.
Medical insurance for immigrants is necessary for those who are applying for the following regimes:
- Pink Slip (or Temporary Residence Permit) for non-European citizens.
- Yellow Slip (or Registration Certificate) for European citizens.
- Permanent Residency for non-European citizens.
- MEU1 for European citizens.
- MEU2 for family members of European citizens who are not Europeans.
- MEU3 for family members of European citizens who are Europeans.
- MUKW1, MUKW2, MUKW3 for UK Nationals.
Medical insurance for immigrants covers the following:
- Inpatient expenses.
- Outpatient expenses.
- Body repatriation expenses.
All insurance companies in Cyprus carry the same terms for immigrants medical insurance since they must abide by the rules laid out in Cypriot law.
This type of insurance is a relatively inexpensive policy and isn’t designed to provide comprehensive health insurance coverage.
Cypriot officials want to ensure that all foreign nationals have the financial means to reside in Cyprus without becoming an economic burden.
Medical insurance for immigrants essentially covers any health bills for the insured.
Medical insurance for immigrants coverages
What does medical insurance for immigrants cover?
Medical insurance for immigrants covers both inpatient and outpatient expenses, as outlined below.
Inpatient expenses
Inpatient expenses involve the costs associated with the hospitalisation (one-night minimum) in a private clinic (i.e. for an operation).
All of the expenses related to staying in the hospital are covered under inpatient expenses.
For example, suppose the insured had a medical operation requiring one-night hospitalisation.
The diagnostic exam before the operation (i.e. blood tests) and after the operation (i.e. x-rays) will be covered.
Health insurance for immigrants, inpatient expenses examples
- Room rent, boarding, surgery, nursing, and medical professionals’ fees, medicines and prescriptions, implanted devices, ICU, and operation theatre charges.
- Pre & post-hospitalisation. Pre-hospitalisation expenses are the costs incurred by the insured before attending the hospital. Post-hospitalisation expenses are the costs incurred after being discharged from the hospital.
Outpatient expenses
Outpatient expenses include medical expenses that are not associated with hospitalisation.
These expenses outside of a hospital are usually incurred when the insured needs to visit a doctor’s clinic to receive treatments.
Health insurance for immigrants, outpatient expenses, examples
- Physiotherapy exams.
- Medical prescriptions.
- Trips to see specialised doctors.
- Diagnostic tests (i.e. MRI, x-rays, blood tests, etc.).
Body repatriation expenses
Body repatriation coverage goes into effect if the insured passes away and needs to be returned to their country of origin or citizenship.
Medical insurance for immigrants in Cyprus covers the costs to transport an insured’s body back to their home country in case of death.
The liability limits of immigrants’ medical insurance are presented in the table below.
| Cover Provided | Maximum Amount Per Benefit |
| HOSPITALISATION EXPENSES (INPATIENT) | |
| Maximum amount of coverage per accident or illness in case of hospitalisation (i.e. inpatient expenses) | €8,544 (per insured) |
| Maximum coverage amount per year | €13,669 (per insured) |
| Daily Hospitalisation (standard room and food) | €69 (daily) |
| Daily Hospitalisation (room and food) in the Intensive Care Unit | €171 (daily) |
| OUTPATIENT EXPENSES | |
| Maximum coverage amount per accident or illness in case of outpatient expenses | €684 (per insured) |
| Maximum amount for the period of insurance | €1,709 |
| Maximum amount per visit | €18 |
| CHILDBIRTH EXPENSES | €513 |
| BODY REPATRIATION | €3,418 |
Note: medical insurance for immigrants enables you, as the insured, to visit any clinic in Cyprus.
What does medical insurance for immigrants not cover?
Anyone can acquire medical insurance for immigrants, no matter their age or medical history.
However, that does not mean everyone’s health conditions will be covered.
Medical insurance for immigrants does not cover pre-existing and past medical conditions (i.e. chronic diseases).
Also, common exclusions apply for most medical insurance policies (i.e. obesity, AIDs, plastic and cosmetic surgery, ophthalmologists, and dentists).
Claims of medical insurance for immigrants
Health insurance for immigrants is not a comprehensive health insurance policy.
The limits of liabilities on health insurance for immigrants are extremely low and include many exclusions.
How do the claims of immigration insurance for immigrants work?
As a patient, you must pay for either inpatient (hospitalisation) or outpatient (non-hospitalisation) expenses directly to the clinic.
Then you are obligated to keep the relevant receipt documentation (i.e. for exams, payments, invoices, x-rays, etc.) and present them to your insurance company.
Your insurance company will exclusively accept the original receipts.
In addition, you must complete a numbered claim form as provided by your insurer.
The first part of this numbered claim form should be completed by you, and the other half should be completed by the doctor.
You can expect to be paid within 20 working days, and the compensation will be transferred exclusively to your bank account and no one else (not even your family members).
Pink Slip Insurance in Cyprus
Everyone who applies for a temporary residence permit (or pink slip) should acquire immigration insurance.
The pink slip allows non-EU members to legally reside in Cyprus for over three months.
Before applying for a pink slip, citizens must obtain an entry visa that states their purpose of travel, such as a visitor, student, employment, or immigrant visa.
See our article about Pink Slip Insurance in Cyprus for more information regarding this immigration process.
Yellow Slip Insurance in Cyprus
Those who apply for a yellow slip in Cyprus should also acquire medical insurance for immigrants.
The yellow slips allow EU nationals to legally reside and work in Cyprus.
This registration certificate is available to all members of the EU who wish to extend their stay in Cyprus for specific reasons, such as for work or looking for a place to live.
See our article about Yellow Slip Insurance in Cyprus for more information regarding this immigration process.
Work Permit Insurance in Cyprus
All foreign citizens wishing to acquire a work permit in Cyprus must also buy medical insurance for immigrants.
Before obtaining a work permit in Cyprus, the applicants should obtain a work visa that legally allows them to look for work.
All applicants of work permits in Cyprus must acquire annual medical insurance.
See our article about Work Permits in Cyprus to read more about this type of insurance.
Medical insurance for immigrants FAQ
Here are the most frequently asked questions about medical insurance for immigrants.
Do I need to acquire immigration insurance if I employ a housemaid in Cyprus?
If you employ a housemaid to look after your home in Cyprus, you should buy immigration and employers liability insurance.
Pitsas Insurances provide dedicated plans tailored to the needs of immigrants, including discounted immigration and employers liability insurance.
I currently work in Cyprus. Do I still need medical insurance for immigrants?
It’s best to find out with the help of your legal advisor.
In some cases, you might need immigration insurance to cover repatriation expenses only.
Pitsas Insurances provide all insurance options at the lowest price.
What documents do I need to provide to get coverage?
The immigration insurance application can be processed online, and you only need to provide a couple of documents.
- A copy of your passport (and family members’ passports, if applicable).
- A utility bill that states your address in Cyprus.
You do not have to provide medical records.
Will immigration authorities in Cyprus accept my international medical insurance?
The immigration authorities in Cyprus only accept one form of immigration contract. Therefore, all insurance providers in Cyprus carry identical insurance.
Each insurance company only has the right to choose the product’s selling price.
How long does my coverage last, and when should it begin?
Immigration medical insurance typically lasts for one year.
It is best if your coverage begins on the same day you meet with the immigration services to begin your application process.
Do I need to renew my immigration medical insurance after I acquire permanent residency?
If you are not registered in GESY, you must renew your health insurance for immigrants in Cyprus.
Even if you register with the GESY, you will require body repatriation coverage insurance.
Permanent residency investors will be checked annually for proof that they are abiding by the economic criteria to retain permanent residency, including the possession of valid medical insurance for immigrants.
When my immigration policy expires, can I purchase a comprehensive health policy?
Each foreign national should renew their insurance contract for as long as they remain in the country and are not registered in the GESY.
However, that won’t be required if they acquire Cypriot citizenship.
Nevertheless, you may be able to afford comprehensive immigrants health insurance in addition to immigration insurance, especially through our discounts.
For a comprehensive medical insurance quote, you can complete our questionnaire.
At Pitsas Insurances, all of our immigration medical insurance clients receive discounts for every other insurance policy they acquire with us.
Medical insurance for immigrants cost
How much does immigration medical insurance cost in Cyprus?
The price of medical insurance for immigrants depends on the following factors:
- Age of the applicant (and family members if applicable).
- Occupation in Cyprus. (Their occupation abroad does not matter).
Unlike the process of acquiring some common health insurance policies, the applicants’ medical history will not affect the premium.
The minimum and average cost of immigration insurance in Cyprus
- Minimum cost: €120.
- Average cost: €165.
In the following circumstances, the insurance costs are higher than the average premium:
- For adults over 65 years old.
- For children under 14 years old.
- For foreign workers who work in manual labour and specific professions.
Best medical insurance for immigrants
As discussed throughout this guide, the terms of immigration insurance in Cyprus are identical for all insurance companies. However, the prices vary.
Pitsas Insurances provides immigration insurance contracts at the lowest premiums.
We also provide multiple offers for our existing clients by offering discounts for every other contract they purchase with us.
Due to our competitively low prices, discounts, and our underwriter’s expertise, we are an award-winning insurance provider.
Pitsas Insurances can find you the best medical insurance for immigrants in Cyprus.
Online medical insurance for immigrants
Pitsas Insurances can provide you with an easy and hassle-free quotation online. Simply contact us to start your application procedure.
You can receive an offer from us within 5 minutes and a contract after 15 minutes.
The insurance buying process can be started and completed online. No physical presence is required in our office to sign a contract.
Your insurance contract will be delivered to your email inbox.
Affordable medical insurance for immigrants quotes
Pitsas Insurances is proud to provide the best quality and most affordable medical insurance contracts for immigrants in Cyprus.
Our cheap immigration insurance beats local competitors in Cyprus, and our premiums start from just €120.
We also offer unique plans for families and companies.
Affordable medical insurance for immigrants (in Cyprus)
All our immigration insurance clients receive a 10% discount on motor insurance and 15% on homeowner insurance.
Medical insurance for immigrants quotes
Pitsas Insurances is the biggest insurance provider for expats in Cyprus and of group health insurance to international companies.
We provide special tailor-made packages for international companies.
Health insurance for immigrants (in Cyprus)
Visit our website here to learn more about our immigration insurance offerings.
Contact us today to receive a tailor-made quote. Receive a hassle-free quotation for you, your family, or your employees here.
Pitsas Insurances Team