Private Health Insurance in Cyprus: Find Your Price

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Your Date of Birth

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Payment Frequency

Product d.care International Medical Insurance

Regulated

Underwritten by HDI Global Specialty SE

Regulator BaFin (Germany)

Registered office HDI-Platz 1, 30659 Hannover, Germany

Registration HRB 211924

Claims administrator Healthwatch SA

Claims contact +357 24 636 300 · dcare@healthwatch.gr

Excess (Deductible)

The amount you pay yourself before insurance covers the rest. A higher excess means a lower premium.

Important Information

Prices shown are annual premiums in EUR.
Premiums depend on your age at the start of the policy and are subject to medical underwriting.
Pre-existing conditions may be excluded or covered depending on the application type (Full Application, Moratorium, or CPME).
All plans are renewable annually. Premiums may change at renewal based on age, claims history, and medical inflation.
This quotation is indicative and subject to final approval by AKD Insurance Ltd. A full policy document will be provided before you commit.

What happens after you choose a plan?

Once you've picked a plan, you'll need to choose how you'd like to apply. There are three options, and each handles pre-existing medical conditions differently:

You answer questions about your medical history. The insurer reviews it and tells you exactly what's covered, including any pre-existing conditions. Best if you want clarity on what's included from day one.

No medical questions needed. You get covered straight away. However, any conditions you've had in the past 5 years won't be covered for the first 2 years. After that, they're included automatically. Best if you're generally healthy and want quick cover.

Already have medical insurance with another company? You can transfer to this plan and keep your coverage history. Any existing exclusions carry over, but you won't lose the years you've been insured. Best if you're switching providers and want continuity.

Good to Know Before You Buy

Nobody reads 26-page policy documents. Here are the things that actually matter, in plain English.

Where am I covered?

All plans offer worldwide coverage. You choose whether to include or exclude the United States. If your plan includes the US, in-network providers are covered at 100% and out-of-network at 80%. Travelling outside your coverage area? You're still covered for emergencies for up to 30 days.

Who pays - me or the insurer?

The plan pays 100% of covered charges after your annual deductible. Many hospitals and clinics bill the insurer directly, so you don't pay out of pocket. If you do pay upfront, you submit receipts and get reimbursed straight to your bank account.

Do I need approval before treatment?

Some treatments require pre-authorization from HealthWatch (the 24/7 claims team). This includes hospital admissions, surgeries, cancer treatment, organ transplants, and medical equipment. Skipping pre-authorization means a 40% co-payment penalty. In an emergency, go to the nearest hospital first — sort the paperwork later.

How do I make a claim?

Call HealthWatch at +357 24 636 300 or email dcare@healthwatch.gr — they're available 24 hours a day, 7 days a week. Your hospital can bill them directly, or you submit your receipts. Claims should be submitted within 90 days for the fastest processing.

What about pre-existing conditions?

You must disclose all pre-existing conditions when you apply. Depending on the application type you choose, they may be covered right away, excluded, or covered after a waiting period. Conditions you don't disclose are never covered. Scroll up to the "How to Apply" section to see the three application types.

Are there any waiting periods?

Most benefits start immediately - hospital stays, surgeries, outpatient visits, cancer treatment, and emergencies have no waiting period. A 12-month wait applies to maternity, preventive care, psychiatric inpatient care, congenital conditions, and HIV/AIDS. Dental and optical benefits (on Plus plans) have a 3-month wait.

Can I cancel if I change my mind?

Yes. You have a 30-day cooling-off period with a full refund, as long as you haven't made a claim. After 30 days, you can still cancel and receive a pro-rata refund for the unused period. If you've already claimed, the full annual premium is due.

What's NOT covered?

The main exclusions are cosmetic surgery, fertility treatments, weight-related procedures, extreme sports (bungee jumping, off-piste skiing, rock climbing), experimental treatments, and self-inflicted injuries. Leisure sports like kayaking, snorkeling, sailing, and scuba diving (to 15m with PADI) are covered.

This is a simplified summary. For complete terms and conditions, please refer to the policy wording document for your chosen plan.

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