Cyprus operates on a multi-payer healthcare system with public insurance. This means that you can either get insurance from the government for free if you qualify or you can purchase private insurance. Many people choose to do both because of the very low cost of insurance in Cyprus.
Do You Qualify for Government Insurance?
The Cyprus government operates its own public insurance system that is available to all Cyprus and EU citizens that meet qualifications. To qualify, you must make less than 20,000 Euros per year, be retired, or have more than three children in your household while making less than 35,000 Euros. If you meet any of these qualifications, you may be eligible for public sector insurance.
What Public Coverage is Available?
There are two options when applying for public insurance. If your income is less than 15,000 Euros or household income is less than 30,000 Euros you can apply for the Medical Card A. This card offers all public healthcare services for free.
The second option is the Medical Card B. This card is issued to citizens making between 15,000 and 20,000 Euros or households with up to three children making between 30,000 and 38,000 Euros.
How Can I Apply?
You can find the application here. The application is straight forward and allows you to select all the qualifications that you are entitled. Once you have completed the form, you must take it to a Citizen Service Center near you. You must apply in person.
What if I Don’t Qualify?
If you don’t qualify for government insurance, you must purchase private insurance on the market. Private insurance is very inexpensive in Cyprus with plans as low as 300 Euros per year.
When signing up for private insurance, it is highly recommended that you do comparison shopping. The insurance market in Cyprus is highly competitive, and shopping around can save money and give you a better insurance plan.
Many companies offer comparison tools to find the best plan for you. You can also choose to use an insurance agency located in Cyprus to do the shopping for you.
What Information Do I Need?
You need to provide your age, gender, and the type of coverage you want. You also must choose how long you require coverage as well as how much you are willing to pay out of pocket and what maximum coverage amount you need.
In Cyprus, inpatient, outpatient, and maternity care are all additional options you can choose from. Premiums increase with each additional coverage. Dental is also a separate policy not covered by basic plans. You must also disclose any pre-existing conditions when applying for private Insurance.
Whether you are applying for private or public insurance, you can expect the process to be straight forward and fast.