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Private Health Insurance for Cyprus
Compare 8 insurance providers including GeSY as a baseline. Filter by your needs, then get a personal quote from your shortlist.
How GeSY fits in
All legal residents in Cyprus are eligible for GeSY (the public General Healthcare System). It costs nothing extra — contributions come from employer/employee taxes. For most relocators, GeSY handles everyday healthcare and emergencies, while a private policy speeds up specialist access and adds dental/maternity cover. You don't have to choose one or the other.
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Maternity cover
Pre-existing conditions
Showing 8 of 8 providers
| Provider | Coverage | Single (30yo) | Family (4) | Maternity | Dental | Pre-existing | GeSY top-up | Direct billing CY |
|---|---|---|---|---|---|---|---|---|
GeSY (Public Healthcare) Public | Cyprus only | Free | Free | ✓ | — | ✓ | ✓ | ✓ |
AXA PPP / AXA Health International | Worldwide | €1,400/yr | €4,800/yr | ✓ | ✓ | — | ✓ | ✓ |
Bupa International International | Worldwide (excl. USA on standard plan) | €1,800/yr | €5,800/yr | ✓ | ✓ | — | ✓ | ✓ |
Cigna Global International | Worldwide (incl. USA) | €1,600/yr | €5,200/yr | ✓ | ✓ | — | ✓ | ✓ |
Allianz Care International | Worldwide | €1,500/yr | €5,000/yr | ✓ | ✓ | — | ✓ | ✓ |
InterGlobal (now part of AXA) International | Worldwide | €1,300/yr | €4,400/yr | — | — | — | ✓ | ✓ |
Laiki Asfalistiki (Local Cyprus) Local | Cyprus only | €650/yr | €2,200/yr | ✓ | — | — | ✓ | ✓ |
CNP Asfalistiki (Cyprus) Local | Cyprus + EU emergency | €750/yr | €2,500/yr | ✓ | ✓ | — | ✓ | ✓ |
GeSY (Public Healthcare)
PublicSingle/yr
Free
Cyprus only
Universal public health system. Free at point of care for all legal residents. Excellent baseline — covers GP, specialists, most hospital care. No dental or vision. Wait times for non-emergency specialist appointments can be 4–8 weeks. Most relocators use GeSY + supplemental private insurance.
Visit website →AXA PPP / AXA Health
InternationalSingle/yr
€1,400/yr
Worldwide
Strong international coverage and established direct billing network at major Cypriot private hospitals (Apollonion, Aretaeio, Iasis). Maternity cover after 10-month waiting period. Pre-existing conditions excluded on standard plan; declared-condition cover available at premium. Good for people who split time between Cyprus and Europe.
Visit website →Bupa International
InternationalSingle/yr
€1,800/yr
Worldwide (excl. USA on standard plan)
Premium international insurer with a strong reputation for claim handling. 24/7 English-speaking helpline. Dental included in comprehensive plans. Maternity cover after 12 months. USA coverage available as add-on — important for frequent travellers. Higher premiums but reliable for complex medical situations.
Visit website →Cigna Global
InternationalSingle/yr
€1,600/yr
Worldwide (incl. USA)
Highly customisable modular plan — start with core cover and add dental, maternity, and mental health separately. Competitive for under-40s. Good online portal and claims app. USA cover included on Silver/Gold/Platinum tiers. Strong choice for tech workers relocating from the US or serving US clients.
Visit website →Allianz Care
InternationalSingle/yr
€1,500/yr
Worldwide
Part of Allianz Global group. Solid worldwide cover with competitive family premiums. Maternity cover from day one on some plans (after 10-month waiting period on others — confirm at quote stage). Mental health cover included. Good for families. Dental available as optional add-on on standard plan.
Visit website →InterGlobal (now part of AXA)
InternationalSingle/yr
€1,300/yr
Worldwide
Now integrated into AXA's international portfolio. Historically competitive on premiums for healthy individuals. Maternity and dental available as optional extras at additional cost. Good for young, healthy individuals who want solid hospital cover without the extras.
Visit website →Laiki Asfalistiki (Local Cyprus)
LocalSingle/yr
€650/yr
Cyprus only
Major local insurer. Most competitive premiums for Cyprus-only coverage. Ideal as a top-up to GeSY for faster private specialist access and private room hospitalisation. Direct billing at most Cypriot private hospitals. No international coverage. Good choice if you rarely travel or have international coverage through an employer.
Visit website →CNP Asfalistiki (Cyprus)
LocalSingle/yr
€750/yr
Cyprus + EU emergency
Local insurer with wider EU emergency coverage. Dental included in comprehensive plans. Good balance of cost and coverage for Cyprus-based workers who occasionally travel within Europe. Not suitable as standalone for frequent international travellers. English-language customer service available.
Visit website →Provider notes
Universal public health system. Free at point of care for all legal residents. Excellent baseline — covers GP, specialists, most hospital care. No dental or vision. Wait times for non-emergency specialist appointments can be 4–8 weeks. Most relocators use GeSY + supplemental private insurance.
Strong international coverage and established direct billing network at major Cypriot private hospitals (Apollonion, Aretaeio, Iasis). Maternity cover after 10-month waiting period. Pre-existing conditions excluded on standard plan; declared-condition cover available at premium. Good for people who split time between Cyprus and Europe.
Premium international insurer with a strong reputation for claim handling. 24/7 English-speaking helpline. Dental included in comprehensive plans. Maternity cover after 12 months. USA coverage available as add-on — important for frequent travellers. Higher premiums but reliable for complex medical situations.
Highly customisable modular plan — start with core cover and add dental, maternity, and mental health separately. Competitive for under-40s. Good online portal and claims app. USA cover included on Silver/Gold/Platinum tiers. Strong choice for tech workers relocating from the US or serving US clients.
Part of Allianz Global group. Solid worldwide cover with competitive family premiums. Maternity cover from day one on some plans (after 10-month waiting period on others — confirm at quote stage). Mental health cover included. Good for families. Dental available as optional add-on on standard plan.
Now integrated into AXA's international portfolio. Historically competitive on premiums for healthy individuals. Maternity and dental available as optional extras at additional cost. Good for young, healthy individuals who want solid hospital cover without the extras.
Major local insurer. Most competitive premiums for Cyprus-only coverage. Ideal as a top-up to GeSY for faster private specialist access and private room hospitalisation. Direct billing at most Cypriot private hospitals. No international coverage. Good choice if you rarely travel or have international coverage through an employer.
Local insurer with wider EU emergency coverage. Dental included in comprehensive plans. Good balance of cost and coverage for Cyprus-based workers who occasionally travel within Europe. Not suitable as standalone for frequent international travellers. English-language customer service available.