Group health insurance in Cyprus

A licensed insurance intermediary compares group health and life plans that top up GESY, so you can offer staff private cover and a faster route to specialists.

Tops upGESY
Team sizeMinimum set by the insurer
ThroughBroker registered with the ICCS
Check my case for freeSee the steps
A team meeting in a bright office in LimassolChecked 28 October 2026

Steps and timeline

  1. 1

    Brief

    We pass your contact to a broker on the Insurance Companies Control Service register; the broker asks about your team, budget and cover, health only or health and life, and advises.

    1 week
  2. 2

    Check the broker

    Make sure the broker appears in the Insurance Companies Control Service broker list, or the list of EU firms working under freedom of services or establishment.

    before engaging
  3. 3

    Compare offers

    The broker compares cover, exclusions and the minimum team size each insurer accepts.

    1–2 weeks
  4. 4

    Start cover

    Private cover runs on top of GESY; payroll keeps deducting and paying GESY contributions as before.

    monthly

Who does what

What you do

  • Share your situation and goals
  • Collect documents from home
  • Agree the scope of work in writing

What we do

  • Check the requirements for your case
  • Prepare the documents and file the application
  • Follow up until the decision

Your coordinator

  • Plans the work and next steps
  • Keeps one timeline for everything
  • Reminds you of renewals and deadlines

Common mistakes

  • Stopping GESY contributions for staff who have private cover
  • Using a broker who is not on the Insurance Companies Control Service register
  • Assuming a legal minimum team size; each insurer sets its own

What affects the cost

The price depends on your situation. We explain the scope and expected costs before work begins.

Team sizeHealth only or health and life coverEach insurer's terms

Questions

Does private group health insurance replace GESY contributions in Cyprus?

No. The GESY law lists no exemption for people or employers with private insurance, so group cover is paid on top of contributions.

How much does an employer pay to GESY?

2.9% of each employee's pay, and the employee pays 2.65%. Contributions are charged on income up to €180,000 a year.

How do I check that an insurance broker is registered in Cyprus?

The Insurance Companies Control Service publishes a list of insurance brokers and a list of EU firms operating in Cyprus under freedom of services or establishment.

Is there a minimum team size for group health insurance?

Neither the GESY law nor the regulator's pages set one; the minimum depends on the insurer.

Sources

Figures checked 28 October 2026. Rules change: we confirm them for your case before you act.

Check your case for free

A coordinator replies within one working day with the next steps.

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