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MEDICAL INSURANCE

If you are a resident in Cyprus then you need to have adequate medical cover. We offer the most comprehensive medical insurance options in Cyprus to cover you for treatment in a range of private hospitals in Cyprus and abroad.
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WHY CHOOSE MEDICAL
INSURANCE WITH US

35 years insurance expertise
Access to the most prestigious clinics in Cyprus and abroad
Flexible pricing to suit your budget
Great variety of contracts from Cypriot and international insurance companies
Family packages available
Whole-life policies can be provided
Coverage for pre-existing conditions (upon some conditions)
Quick settlement of claims
BASIC PLANS PREMIUM PLANS EXECUTIVE PLANS
INPATIENT AND OUTPATIENT EXPENSES
BASIC PLAN A
BASIC PLAN B
Maximum annual limit of recognised costs
€250,000.00
€2,000,000.00
Maximum annual limit of recognised costs for USA/Canada
€30,000.00
€100,000.00
Day care with room and food
Room category in Cyprus
Single
Single
Room category overseas
Double
Double
Day care emergencies
€500.00
Hospital medical visit (one per day)
Hospital diagnostic tests
Childbirth Subsidy: Normal
€700.00
€1,000.00
Childbirth Subsidy: Caesarean Section
€1,150.00
€2,000.00

Operative treatments without hospitalisation (Cyprus and overseas)

Preoperative diagnostic tests
Postoperative diagnostic tests (Blood & Imaging)
€200.00
Ambulance transportation up to
€430.00
€500.00

Parent accommodation (Cyprus and overseas, up to 18 years old)

Daily subsidy for free care
€77 per night, for up to 10 days
€155 per night, for up to 60 days
First Aid
€500.00
Overseas medical help
Health Line

BASIC PLAN A

  • Maximum annual limit of recognised costs
  • €250,000.00
  • Maximum annual limit of recognised costs for USA/Canada
  • €30,000.00
  • Day care with room and food
  • Room category in Cyprus
  • Single
  • Room category overseas
  • Double
  • Day care emergencies
  • Hospital medical visit (one per day)
  • Hospital diagnostic tests
  • Childbirth Subsidy: Normal
  • €700.00
  • Childbirth Subsidy: Caesarean Section
  • €1,150.00
  • Operative treatments without hospitalisation (Cyprus and overseas)
  • Preoperative diagnostic tests
  • Ambulance transportation up to
  • €430.00
  • Parent accommodation (Cyprus and overseas, up to 18 years old)
  • Daily subsidy for free care/li>
  • €77 per night, for up to 10 days
  • Overseas medical help
  • Health Line

BASIC PLAN B

  • Maximum annual limit of recognised costs
  • €2,000,000.00
  • Maximum annual limit of recognised costs for USA/Canada
  • €100,000.00
  • Day care with room and food
  • Room category in Cyprus
  • Single
  • Room category overseas
  • Double
  • Day care emergencies
  • €500.00
  • Hospital medical visit (one per day)
  • Hospital diagnostic tests
  • Childbirth Subsidy: Normal
  • €1,000.00
  • Childbirth Subsidy: Caesarean Section
  • €2,000.00
  • Operative treatments without hospitalisation (Cyprus and overseas)
  • Preoperative diagnostic tests
  • Postoperative diagnostic tests (Blood & Imaging)
  • €200.00
  • Ambulance transportation up to
  • €500.00
  • Parent accommodation (Cyprus and overseas, up to 18 years old)
  • Daily subsidy for free care
  • €155 per night, for up to 60 days
  • First Aid
  • €500.00
  • Overseas medical help
  • Health Line
PREMIUM A PREMIUM B PREMIUM C
Annual Policy Limit € 100.000 € 300.000 € 1.000.000
Global coverage amount (excepting USA & Canada) 100% 100% 100%
Annual limit costs for USA & Canada 0% 0% 80%
Operative treatment without hospitalisation 100% 100% 100%
Day care with room and food € 300 € 450 € 600
Ambulance Transportation € 300 € 400 € 600
Emergency air transport € 10.000 € 10.000 € 10.000
Childbirth Subsidy: Natural birth € 400 € 800 € 1.000
Childbirth Subsidy: Caesarean Section € 800 € 1.600 € 2.000
Maternity Subsidy: Termination of pregnancy due to medical complications € 200 € 400 € 500
Outpatient expenses directly linked to the hospitalisation, covered up to 45 days before and after hospitalisation up to € 1.000 € 1.000 € 1.000
Daily hospitalisation subsidy, in case there is no claim for hospitalisation expenses € 100 € 150 € 200
Annual routine tests, PSA test, PAP test up to € 100 € 100 € 100
Medical expenses coverage for treatment after an accident up to € 500 € 500 € 500
Maximum limit for medical assessment from top USA medical centres (Telemedicine) 6 6 6
Accidental death, Accidental permanent total or partial disability € 50.000 € 50.000 € 50.000

PREMIUM A

  • Annual Policy Limit
  • € 100.000
  • Global coverage amount (excepting USA & Canada)
  • 100%
  • Annual limit costs for USA & Canada
  • 0%
  • Operative treatment without hospitalisation
  • 100%
  • Day care with room and food
  • € 300
  • Ambulance Transportation
  • € 300
  • Emergency air transport
  • € 10.000
  • Childbirth Subsidy: Natural birth
  • € 400
  • Childbirth Subsidy: Caesarean Section
  • € 800
  • Maternity Subsidy: Termination of pregnancy due to medical complications
  • € 200
  • Outpatient expenses directly linked to the hospitalisation, covered up to 45 days before and after hospitalisation up to
  • € 1.000
  • Daily hospitalisation subsidy, in case there is no claim for hospitalisation expenses
  • € 100
  • Annual routine tests, PSA test, PAP test up to
  • € 100
  • Medical expenses coverage for treatment after an accident up to
  • € 500
  • Maximum limit for medical assessment from top USA medical centres (Telemedicine)
  • 6
  • Accidental death, Accidental permanent total or partial disability
  • € 50.000

PREMIUM B

  • Annual Policy Limit
  • € 300.000
  • Global coverage amount (excepting USA & Canada)
  • 100%
  • Annual limit costs for USA & Canada
  • 0%
  • Operative treatment without hospitalisation
  • 100%
  • Day care with room and food
  • € 450
  • Ambulance Transportation
  • € 400
  • Emergency air transport
  • € 10.000
  • Childbirth Subsidy: Natural birth
  • € 800
  • Childbirth Subsidy: Caesarean Section
  • € 1.600
  • Maternity Subsidy: Termination of pregnancy due to medical complications
  • € 400
  • Outpatient expenses directly linked to the hospitalisation, covered up to 45 days before and after hospitalisation up to
  • € 1.000
  • Daily hospitalisation subsidy, in case there is no claim for hospitalisation expenses
  • € 150
  • Annual routine tests, PSA test, PAP test up to
  • € 100
  • Medical expenses coverage for treatment after an accident up to
  • € 500
  • Maximum limit for medical assessment from top USA medical centres (Telemedicine)
  • 6
  • Accidental death, Accidental permanent total or partial disability
  • € 50.000

PREMIUM C

  • Annual Policy Limit
  • € 1.000.000
  • Global coverage amount (excepting USA & Canada)
  • 100%
  • Annual limit costs for USA & Canada
  • 80%
  • Operative treatment without hospitalisation
  • 100%
  • Day care with room and food
  • € 600
  • Ambulance Transportation
  • € 600
  • Emergency air transport
  • € 10.000
  • Childbirth Subsidy: Natural birth
  • € 1.000
  • Childbirth Subsidy: Caesarean Section
  • € 2.000
  • Maternity Subsidy: Termination of pregnancy due to medical complications
  • € 500
  • Outpatient expenses directly linked to the hospitalisation, covered up to 45 days before and after hospitalisation up to
  • € 1.000
  • Daily hospitalisation subsidy, in case there is no claim for hospitalisation expenses
  • € 200
  • Annual routine tests, PSA test, PAP test up to
  • € 100
  • Medical expenses coverage for treatment after an accident up to
  • € 500
  • Maximum limit for medical assessment from top USA medical centres (Telemedicine)
  • 6
  • Accidental death, Accidental permanent total or partial disability
  • € 50.000
Insurance Plan
EXECUTIVE A
EXECUTIVE B
EXECUTIVE D
IN PATIENT TREATMENT
Annual policy limit
€300,000
€1,500,000
€3,000,000
€6,000,000
Accommodation & Professional Fees
Full Refund
Full Refund
Full Refund
Full Refund
Parent Accommodation
Full Refund
Full Refund
Drugs & Dressings
Full Refund
Full Refund
Full Refund
Full Refund
Reconstructive Surgery
Full Refund
Full Refund
Full Refund
Full Refund
Chronic Acute
Full Refund
Full Refund
Full Refund
Full Refund
Chronic Routine Management
€24,000
€60,000
Chronic Palliative
Full Refund
Full Refund
Complications of Pregnancy
Full Refund
Full Refund
Full Refund
Full Refund
Oncology
Full Refund
Full Refund
Full Refund
Full Refund
Organ Transplants
€240,000
€240,000
€240,000
Psychiatric
30 days
30 days
30 days
Newborn Cover, Premature Births
€12,000
€12,000
€24,000
Newborn Cover, Congenial
€120,000
€120,000
€120,000
IVF Treatment
€2,400
Home Nursing
6 weeks
12 weeks
12 weeks
Full Refund
OUT PATIENT TREATMENT
Out-Patient annual limit
€1,800
€12,000
To plan limit
To plan limit
Professional Fees
Full Refund *
Full Refund *
Full Refund
Full Refund
Drugs & Dressings
Full Refund *
Full Refund *
Full Refund
Full Refund
Surgical Treatment
Full Refund *
Full Refund *
Full Refund
Full Refund
Chronic Acute
Full Refund *
Full Refund *
Full Refund
Full Refund
Chronic Routine Management
€6,000
€12,000
Chronic Palliative
€12,000
Oncology
€300,000
€1,500,000
Full Refund
Full Refund
Psychiatric
€6,000
€12,000
Physiotherapy
€300*
€1,800*
€3,600
€6,000
Chiropody
€300*
€300
€600
Complementary Treatment
€300*
€1,800*
€3,600
€6,000
Traditional Chinese Medicine
€300*
€600*
€600
€1,800
Optical Benefit
€240*
€240
€600
Well-being / Routine Checks
€300*
€600
€1,200
Emergency Dental Treatment
Full Refund *
Full Refund
Full Refund
Innocent Bystander Cover
Included
Included
Included
Included
AIDS (HIV)
Included
Included
Included
Included
Emergency Clean Blood Transfusion Service
Included
Included
Included
Included
Hazardous Activities
Included
Included
Included
Included
OPTIONAL
Physical Pregnancy and Childbirth
Choose from two levels of cover
(€3,600, €6,000)
Choose from four levels of cover
(€3,600, €6,000, €9,000, €12,000)
Choose from five levels of cover
(€3,600, €6,000, €9,000, €12,000, €24,000)
Routine Dental Treatment
€1,200
€1,200
€2,400
Evacuation or Repatriation
Optional
Full Refund
Full Refund
Full Refund

Premium A

  • IN PATIENT TREATMENT
  • Annual policy limit
  • €300,000
  • Accommodation & Professional Fees
  • Full Refund
  • Drugs & Dressings
  • Full Refund
  • Reconstructive Surgery
  • Full Refund
  • Chronic Acute
  • Full Refund
  • Complications of Pregnancy
  • Full Refund
  • Oncology
  • Full Refund
  • Home Nursing
  • 6 weeks
  • OUT PATIENT TREATMENT
  • Out-Patient annual limit
  • €1,800
  • Professional Fees
  • Full Refund *
  • Drugs & Dressings
  • Full Refund *
  • Surgical Treatment
  • Full Refund *
  • Chronic Acute
  • Full Refund *
  • Oncology
  • €300,000
  • Physiotherapy
  • €300*
  • Complementary Treatment
  • €300*
  • Traditional Chinese Medicine
  • €300*
  • Innocent Bystander Cover
  • Included
  • AIDS (HIV)
  • Included
  • Emergency Clean Blood Transfusion Service
  • Included
  • Hazardous Activities
  • Included
  • OPTIONAL
  • Evacuation or Repatriation
  • Optional

Premium B

  • IN PATIENT TREATMENT
  • Annual policy limit
  • €1,500,000
  • Accommodation & Professional Fees
  • Full Refund
  • Drugs & Dressings
  • Full Refund
  • Reconstructive Surgery
  • Full Refund
  • Chronic Acute
  • Full Refund
  • Complications of Pregnancy
  • Full Refund
  • Oncology
  • Full Refund
  • Organ Transplants
  • €240,000
  • Psychiatric
  • 30 days
  • Newborn Cover, Premature Births
  • €12,000
  • Newborn Cover, Congenial
  • €120,000
  • Home Nursing
  • 12 weeks
  • OUT PATIENT TREATMENT
  • Out-Patient annual limit
  • €12,000
  • Professional Fees
  • Full Refund *
  • Drugs & Dressings
  • Full Refund *
  • Surgical Treatment
  • Full Refund *
  • Chronic Acute
  • Full Refund *
  • Oncology
  • €1,500,000
  • Physiotherapy
  • €1,800*
  • Chiropody
  • €300*
  • Complementary Treatment
  • €1,800*
  • Traditional Chinese Medicine
  • €600*
  • Optical Benefit
  • €240*
  • Well-being / Routine Checks
  • €300*
  • Emergency Dental Treatment
  • Full Refund *
  • Innocent Bystander Cover
  • Included
  • AIDS (HIV)
  • Included
  • Emergency Clean Blood Transfusion Service
  • Included
  • Hazardous Activities
  • Included
  • OPTIONAL
  • Physical Pregnancy and Childbirth
  • Choose from two levels of cover
    (€3,600, €6,000)
  • Routine Dental Treatment
  • €1,200
  • Evacuation or Repatriation
  • Full Refund

Premium C

  • IN PATIENT TREATMENT
  • Annual policy limit
  • €3,000,000
  • Accommodation & Professional Fees
  • Full Refund
  • Parent Accommodation
  • Full Refund
  • Drugs & Dressings
  • Full Refund
  • Reconstructive Surgery
  • Full Refund
  • Chronic Acute
  • Full Refund
  • Chronic Routine Management
  • €24,000
  • Chronic Palliative
  • Full Refund
  • Complications of Pregnancy
  • Full Refund
  • Oncology
  • Full Refund
  • Organ Transplants
  • €240,000
  • Psychiatric
  • 30 days
  • Newborn Cover, Premature Births
  • €12,000
  • Newborn Cover, Congenial
  • €120,000
  • Home Nursing
  • 12 weeks
  • OUT PATIENT TREATMENT
  • Out-Patient annual limit
  • To plan limit
  • Professional Fees
  • Full Refund
  • Drugs & Dressings
  • Full Refund
  • Surgical Treatment
  • Full Refund
  • Chronic Acute
  • Full Refund
  • Chronic Routine Management
  • €6,000
  • Oncology
  • Full Refund
  • Psychiatric
  • €6,000
  • Physiotherapy
  • €3,600
  • Chiropody
  • €300
  • Complementary Treatment
  • €3,600
  • Traditional Chinese Medicine
  • €600
  • Optical Benefit
  • €240
  • Well-being / Routine Checks
  • €600
  • Emergency Dental Treatment
  • Full Refund
  • Innocent Bystander Cover
  • Included
  • AIDS (HIV)
  • Included
  • Emergency Clean Blood Transfusion Service
  • Included
  • Hazardous Activities
  • Included
  • OPTIONAL
  • Physical Pregnancy and Childbirth
  • Choose from four levels of cover
    (€3,600, €6,000, €9,000, €12,000)
  • Routine Dental Treatment
  • €1,200
  • Evacuation or Repatriation
  • Full Refund

Premium D

  • IN PATIENT TREATMENT
  • Annual policy limit
  • €6,000,000
  • Accommodation & Professional Fees
  • Full Refund
  • Parent Accommodation
  • Full Refund
  • Drugs & Dressings
  • Full Refund
  • Reconstructive Surgery
  • Full Refund
  • Chronic Acute
  • Full Refund
  • Chronic Routine Management
  • €60,000
  • Chronic Palliative
  • Full Refund
  • Complications of Pregnancy
  • Full Refund
  • Oncology
  • Full Refund
  • Organ Transplants
  • €240,000
  • Psychiatric
  • 30 days
  • Newborn Cover, Premature Births
  • €24,000
  • Newborn Cover, Congenial
  • €120,000
  • IVF Treatment
  • €2,400
  • Home Nursing
  • Full Refund
  • OUT PATIENT TREATMENT
  • Out-Patient annual limit
  • To plan limit
  • Professional Fees
  • Full Refund
  • Drugs & Dressings
  • Full Refund
  • Surgical Treatment
  • Full Refund
  • Chronic Acute
  • Full Refund
  • Chronic Routine Management
  • €12,000
  • Chronic Palliative
  • €12,000
  • Oncology
  • Full Refund
  • Psychiatric
  • €12,000
  • Physiotherapy
  • €6,000
  • Chiropody
  • €600
  • Complementary Treatment
  • €6,000
  • Traditional Chinese Medicine
  • €1,800
  • Optical Benefit
  • €600
  • Well-being / Routine Checks
  • €1,200
  • Emergency Dental Treatment
  • Full Refund
  • Innocent Bystander Cover
  • Included
  • AIDS (HIV)
  • Included
  • Emergency Clean Blood Transfusion Service
  • Included
  • Hazardous Activities
  • Included
  • OPTIONAL
  • Physical Pregnancy and Childbirth
  • Choose from five levels of cover
    (€3,600, €6,000, €9,000, €12,000, €24,000)
  • Routine Dental Treatment
  • €2,400
  • Evacuation or Repatriation
  • Full Refund

* Within out-patient limit



FAQ

Frequently asked questions about this product.

What kind of insurance is offered in Cyprus?
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The main difference between insurance packages in Cyprus is that there are those that exclusively offer coverage in case of hospitalization (e.g. surgery expenses) and those that additionally cover outpatient expenses (e.g. doctor visits, medicine). The introduction of the General Health System in 2018 has led the majority of citizens to opt for plans offering just in-patient coverage.
What is the place of private insurance in Cyprus since the introduction of the General Health System (GHS)?
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Private insurance is synonymous with the highest quality of healthcare. Individuals choosing private health insurance have immediate access to the best doctors in Cyprus, avoiding the long waiting lists and queues outside doctors’ offices. The most significant advantage though is that in case of severe illness or injury, privately insured individuals have immediate access to top clinics around the world without being restricted to the ones in Cyprus.
How do you deal with any pre-existing conditions I have recovered from?
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In case you have recovered but continue to receive medical treatment, you will need to provide us with your latest medical exams or take new ones so we can determine whether to offer you full coverage with an excess, or if we will retain the average insurance cost but make an exception for your pre-existing condition and anything that could possibly be related to it. This procedure is called full medical underwriting. With our Executive Packages, in case you have fully recovered and have not been receiving any kind of medical treatment for the past five years, we will then offer you immediate medical coverage without exceptions and without an excess. If you choose any of our international insurance packages and in the last five years you have been diagnosed with an illness from which you have fully recovered, we will provide you coverage. This means that from the day you sign your contract and for the duration of two years, you will not have coverage for any condition related to your pre-existing condition. You will be provided full coverage after those two years.
I’m following a medical treatment due to a condition or accident, can I be insured?
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We consider it a moral obligation to offer medical insurance coverage to everyone. In case you are undergoing medical treatment, we will most likely ask for your latest medical exams or request that you take additional ones. After carefully examining your exam results, we will decide whether to set an excess amount or an exception.
Do I need out-of-hospital care coverage?
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With the introduction of the General Health System, purchasing outpatient coverage through a private insurance contract is considered unnecessary. Individuals can now visit their personal doctor who can refer them for medical exams at a particularly low cost. Foreign nationals with no access to the GHS can use their immigration insurance to cover their outpatient hospital expenses.
How can I decrease my insurance costs?
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There are several ways to decrease the cost of your insurance. For example, you can choose an excess amount so that the insurance company can handle the cost for amounts over 200 or 300 euro. You can choose to exempt your outpatient expenses from your coverage, as well as restrict your coverage to a particular geographical region. You can also opt for certain coverages to be exempted, like for example the childbirth subsidy or optical benefit. For more information, contact us.

Looking for more coverage?

Important articles:

Medical Insurance: the procedure required for claims in case of medical expenses

This brief article is meant to describe the correct procedure you need to go through in order to properly claim your medical expenses when you have medical insurance.

Ready to talk to us? Interested in visiting?
Contact [email protected] or
call us on 700 70 500