Cyprus is a top choice for international students, thanks to its excellent education, sunny climate, and low living costs. Yet, securing valid health insurance for your entire stay is crucial. Whether you’re from the EU/EEA or elsewhere, having proper health insurance is not just a legal necessity—it ensures your peace of mind and wellbeing.
Discover the top 10 health insurance providers for overseas students in Cyprus, offering options from affordable plans to extensive international coverage.
1. Swisscare
Key Benefits:
- Affordable premiums ideal for student budgets
- Instant digital policy delivery
- Meets Cyprus student visa requirements
- Covers emergency medical expenses in Cyprus and worldwide (excluding USA/Canada)
- Includes repatriation, search and rescue, third-party liability, accidental disability, and more
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Why Choose Swisscare:
Swisscare is specifically tailored for non-EU/EEA students and is highly recommended by universities for its affordability, ease of access, and visa compliance.
2. Trust Insurance Cyprus
Key Benefits:
- Comprehensive coverage including hospitalization, surgeries, and repatriation
- Designed with students and their families in mind
- 24/7 emergency support
- Reliable customer service
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Why Choose Trust Insurance:
Though initially aimed at Cypriot students studying abroad, their options for international students in Cyprus are equally strong, offering peace of mind through well-rounded, fast-responding coverage.
3. Genikes Insurance Cyprus (Student Health Insurance)
Key Benefits:
- Multiple plans with domestic and international coverage
- Covers hospital stays, operations, and even temporary holiday travel
- 24/7 claims processing
- Direct payments to contracted hospitals
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Why Choose Genikes Insurance:
Targeted specifically at students aged 17.5 to 29, this insurer offers well-rounded plans ideal for young adults studying away from home, ensuring they’re protected year-round.
4. Indigo Expat
Key Benefits:
- International coverage zones, including worldwide options
- High annual coverage limits
- Hospitalization, outpatient, and emergency services
- 24/7 multilingual support
Why Choose Indigo Expat:
For students who travel often or plan to study in multiple countries during their degree, Indigo Expat offers the flexibility and global protection needed for seamless transitions.
5. Pitsas Insurances
Key Benefits:
- Cyprus’s largest expatriate insurer
- Easy comparisons between local and international plans
- Coverage up to €6 million per year
- Pre-existing conditions supported
- Access to top private clinics and direct claims assistance
Why Choose Pitsas:
Ideal for students looking for robust, expat-focused insurance with higher coverage ceilings and personalized service.
6. Bupa Global
Key Benefits:
- Renowned international brand
- Annual coverage from €1.25 million to €2.5 million
- Comprehensive hospital, dental, outpatient, cancer, and serious illness coverage
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Why Choose Bupa Global:
This plan is best for students who want a trusted name, global reach, and comprehensive care with optional dental and serious illness protection.
7. International Student Insurance (ISI)
Key Benefits:
- Designed to meet Cyprus visa and university requirements
- Tiered coverage including mental health, sports injuries, and maternity
- Educational resources for international students
- Monthly premiums from $29
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Why Choose ISI:
ISI combines affordability with flexibility, making it a top pick for students seeking both value and compliance.
8. IMG (International Medical Group)
Key Benefits:
- Specialized plans for international students
- Affordable alternative to university insurance
- Flexible coverage both inside and outside Cyprus
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Why Choose IMG:
For students wanting a tailored, globally recognized plan, IMG’s student-specific offerings are both reliable and cost-effective.
9. AXA Global Healthcare
Key Benefits:
- Customizable coverage levels
- Add-ons available: dental, vision, wellness checks
- Plans for expats, students, and digital nomads
- Large global hospital network
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Why Choose AXA:
AXA is ideal for students who want the flexibility to personalize their policy and the security of a major international insurance brand.
10. Private North Cyprus Insurers (Güne Sigorta, Doğa Sigorta, Gür Sigorta)
Key Benefits:
- Locally priced and tailored to student needs
- Health and accident coverage
- 24-hour assistance
- Partnerships with local universities and hospitals
Why Choose North Cyprus Insurers:
For students studying in Northern Cyprus, these local insurers offer practical, affordable options with fast local service and excellent university cooperation.
✅ What Should You Look for in a Student Health Insurance Policy?
Before choosing a provider, ensure the policy includes:
- ✔ Validity for Cyprus visa and university admission
- ✔ Emergency and inpatient care
- ✔ Repatriation and accidental death coverage
- ✔ Optional outpatient care, dental, mental health, and sports injury treatment
- ✔ Direct billing with hospitals and clinics
- ✔ 24/7 multilingual emergency support
- ✔ Coverage for travel and holiday breaks outside Cyprus
⚠️ Important Note for EU/EEA Students
EU/EEA students can use their European Health Insurance Card (EHIC) for basic public healthcare in Cyprus. However, it excludes repatriation, dental, and non-urgent treatments. Private insurance is recommended to cover these areas.
🎓 Summary Table
| Insurance Provider | Key Coverage Elements | Notable Points |
| Swisscare | Emergency, repatriation, liability | Visa-compliant, budget-friendly, instant coverage |
| Trust Insurance | Hospitalization, surgeries, 24/7 help | Student- and parent-focused services |
| Genikes Insurance | Holiday travel, operations, hospital stay | Several plan options, 24/7 claim processing |
| Indigo Expat | High limits, global zones | Great for frequent travelers and expats |
| Pitsas Insurances | €6 million coverage, clinics access | Covers pre-existing conditions |
| Bupa Global | Dental, cancer, serious illness, outpatient | Reputed global brand |
| ISI | Student-friendly tiers, sports & mental health | Affordable, compliant, and resourceful |
| IMG | Global student plans | Flexible & budget-conscious |
| AXA Global | Customizable, vision & dental add-ons | Worldwide hospital access |
| North Cyprus Insurers | Local support, accident cover | Perfect for students in Northern Cyprus |
🌍 Final Thoughts
Studying in Cyprus is a fantastic chance, but securing the right health insurance is crucial. Whether you opt for a basic, budget-friendly plan like Swisscare or seek comprehensive global coverage from providers like Bupa or AXA, there’s a plan tailored to your academic and personal requirements.
Check with your university’s international office or admissions team to ensure your insurance fulfills all visa and academic needs. With the correct plan, concentrate on your education and experiences in stunning Cyprus!
