Immigration insurance

This insurance is obligatory for every foreign national who is not a citizen of a European Union country, and to anyone who wishes to stay in Cyprus for a duration longer than that allowed by their tourist visa. It is, for example, obligatory for any citizen who has applied for a pink slip, permanent residency status or a work visa. British citizens applying for MEU1, MEU2, MEU3, MUKW1, MUKW2, MUKW3 should also acquire medical immigration insurance.

The cost is affected by the age and occupation of the applicant in Cyprus (their respective occupation abroad has no significance). It is important to mention that the applicant’s medical history also has no effect on the cost of insurance.

No! The Cypriot government only accepts one type of contract which is identical for all insurance companies in Cyprus. Each insurance company only has the right to choose its selling price. Pitsas Insurances offers immigration insurance at a lower price than any other insurance company.

It is best that your insurance coverage begins the day you have an appointment with immigration services. It has a yearly duration.

This insurance can be quickly processed online. The only thing you need is a copy of your passport and a utility bill that clearly states your address of residence in Cyprus.

Each foreign national is obliged to renew this insurance policy for as long as they remain in Cyprus. This is something they no longer need to do only if they acquire Cypriot citizenship. Nevertheless, the low cost of this insurance also allows them to simultaneously acquire a more comprehensive medical insurance if they so wish.

You can arrange immigration insurance quickly in three ways:
1) Independently online (independent online applications are not available to people under 18 or over 75), by completing the application form: Online application.
2) Remotely, by emailing our company at [email protected].
3) In person at our office in Paphos: Our office in Paphos.

The fastest option, entirely under your control, is to purchase immigration insurance online. In the other cases, we arrange it for you. Once we have all the necessary client details, issuing immigration insurance takes between 10 minutes and 3 hours, depending on how busy our office is.

You can pay for immigration medical insurance in three ways:
1) Bank transfer.
2) Bank card (online, remotely or at our office: Our office in Paphos).
3) Cash at our office.

Available payment methods depend on how you arrange the insurance. If you purchase insurance independently online using our application form at Online application you can pay the premium only through Viva Payments, using a bank card, Google Pay, Viva or Apple Pay.

If you have completed the application but cannot pay through Viva Payments, contact us to arrange an alternative payment method (cash or bank transfer). Our advisers will use the details you entered in the application to issue your policy and assist with payment.

For remote purchases, payment is possible by bank transfer or card. At our office, you can pay by card, bank transfer or cash.

Yes. You can pay in cash at our office in Paphos: Our office in Paphos.

If you purchased and paid for your insurance online but cannot download your certificate for any reason, contact us immediately on 700 70 500 or at [email protected]. Explain the problem to our adviser so that we can help resolve it.

Important! Our office hours are Monday to Friday, 08:00–16:00. We are closed on Saturdays, Sundays, Cyprus public holidays and company holidays (which we usually announce in advance).

If the problem occurs after 16:00 or on a weekend or holiday, please make sure to email us. Do not worry: we will resolve the matter on the first working day following the problem or the weekend/holiday.

The best immigration insurance for you meets the Immigration Department’s requirements while providing the widest coverage at the lowest cost. However, immigration insurance plans and prices on the Cyprus market are almost identical.

When choosing, therefore, consider deductibles and additional restrictions, the proportion of claims paid, the ease of communicating with the insurer and the languages available. Pitsas Insurance advisers can answer your questions in English, Greek, Russian and Ukrainian.

If you find an error in your policy, contact your adviser or our company immediately on 700 70 500 or at [email protected]. We will make the necessary corrections as quickly as possible.

You should consult your lawyer or an Immigration Department officer about the exact type of immigration insurance you need. The insurance requirements are usually clearly stated in the document checklist for the residence permit you are applying for.

GeSY is Cyprus’s General Healthcare System. To find out whether you are eligible to register, visit GeSY: Beneficiaries and see the Beneficiaries section.

If you are registered with GeSY, our Plan B, which covers the cost of transporting mortal remains to the home country, is sufficient to meet the Immigration Department’s insurance requirements. GeSY provides your outpatient and inpatient medical cover.

When visiting the Immigration Department, you must present your Plan B policy together with the original proof of GeSY registration, signed and certified by your personal doctor.

Plan A is an insurance policy designed to comply fully with the Immigration Department’s medical insurance requirements for foreign nationals. It covers outpatient and inpatient medical expenses and the cost of repatriating (transporting) the insured person’s remains to their home country in the event of death.

Plan B is a special policy we developed for foreign nationals who are registered with GeSY (Cyprus’s General Healthcare System) and need immigration insurance. Pitsas Insurance Plan B covers transportation of the insured person’s remains to their home country (up to €5,000) or cremation costs (up to €3,500) in the event of death.

If you are under 18, you cannot arrange immigration insurance independently. The policyholder (unlike the insured person) must be an adult, such as a parent or guardian. Contact us on 700 70 500 or by email, and we will help you arrange the policy.

Immigration insurance does not cover conditions that existed when the policy was taken out (including chronic conditions), dental care, cosmetic medical procedures or routine medical check-ups.

Some conditions are also excluded if they develop during a specified waiting period after the policy begins. The full list of exclusions is in your policy wording / terms and conditions, under EXCEPTIONS / EXCLUSIONS.

The cost of standard immigration insurance varies only slightly among insurers in Cyprus. It is the cheapest type of medical insurance in Cyprus because of its low coverage limits.

For people aged 18–55, the annual premium for standard Plan A averages €150–€170. Policies for people over 55 are generally more expensive, with prices increasing with age. The price difference between children’s insurance and insurance for adults aged 18–55 usually does not exceed 10%.

If you find a policy priced significantly below this range, carefully check its coverage limits, deductibles and restrictions. An extremely cheap policy may be little more than a formal document that provides almost no practical benefit.

Online immigration insurance is just as reliable as insurance purchased at an insurer’s office. The difference is that you arrange the policy yourself using the insurer’s platform.

At Pitsas Insurance, online immigration insurance is not available to people over 75; we offer them in-person or remote arrangements instead. Online insurance for minors (under 18) is possible only when a parent or guardian is insured at the same time: the child is added when the parent’s or guardian’s policy is arranged.

Before purchasing, check the insurer’s reviews, the reliability and security of your internet connection, and that you have the required documents and a bank card. Call our office if you have any questions or doubts.

The platform issues your online immigration insurance policy using the information you enter in the application. Therefore, carefully check your personal details, the policy start date and the type of coverage selected.