Private Health Insurance in Cyprus: Find Your Price

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Product d.care International Medical Insurance

Regulated

Insurer HDI Global Specialty SE

Regulator BaFin (Germany)

Registered office HDI-Platz 1, 30659 Hannover, Germany

Registration HRB 211924

Handles claims Healthwatch SA

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

Excess

The part of a claim you pay yourself; the insurance pays the rest. A higher excess means a lower price.

Important Information

Prices are in euros. The amount shown is one payment: the year’s price divided by the number of payments.
Your price depends on your age when the policy starts, and on your medical history, which the insurer checks.
Pre-existing conditions may be excluded or covered depending on the application type (Full Application, Moratorium, or CPME).
All plans can be renewed every year. Your price may change at renewal because of your age, your claims and rising medical costs.
This quote is a guide; AKD Insurance Ltd gives the final approval. 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 cover history. Any existing exclusions carry over, but you won't lose the years you've been insured. Best if you're switching insurers and want no break in cover.

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 cover. You choose whether to include or exclude the United States. If your plan includes the US, hospitals and doctors in the network are covered at 100% and those outside it at 80%. Travelling outside your cover 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 excess. 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 approval in advance from HealthWatch (the 24/7 claims team). This includes hospital admissions, surgeries, cancer treatment, organ transplants, and medical equipment. If you skip it, you pay 40% of the cost yourself. 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 "What happens after you choose a plan?" 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 price for the year 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, snorkelling, 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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