Cost of Health Insurance in Cyprus
GeSY (public) vs private — costs and when you need what.
Updated April 2026
Cyprus has a dual system. GeSY covers all residents with nominal copays. Private gives faster access. Many expats use both.
GeSY Cost
Employee contribution2.65% of salary
GP copay€1
Specialist copay€6
Hospital careFree
Private Insurance
Basic (single, young)€50 – €100/mo
Comprehensive (single)€100 – €200/mo
Family plan€250 – €500/mo
Retiree (60+)€150 – €350/mo
From a local: For most employed expats, GeSY alone is adequate. Add private (€50-80/mo) if you want faster specialist access.