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Medical Insurance

Ever since 1994, Atlantic offers medical insurance plans which have been drafted with the needs of clients in mind and a variety of options that make such plans affordable to the greatest possible number of people both on an individual and group basis. The plans have distinct and indisputable advantages with annual limits ranging between €60.000 and €1.000.000. Please click here for our leaflet.

GESY: Why should I keep my medical Insurance even if I am a member of the Cyprus General Healthcare System ? (click here)

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1. Super "A"- Annual Maximum Policy Limit Worldwide (excluding USA/Canada) : €60.000
- Annual Maximum Policy Limit for USA/Canada : €30.000
- Maximum Lifetime Limit per Ailment/Condition : €120.000
- Annual Limit of Outpatient cover : €1.500
2. Mini-Executive- Annual Maximum Policy Limit Worldwide (excluding USA/Canada) : €80.000
- Annual Maximum Policy Limit for USA/Canada : €40.000
- Maximum Lifetime Limit per Ailment/Condition : €160.000
- Annual Limit of Outpatient cover : €2.250
3. Executive- Annual Maximum Policy Limit Worldwide (excluding USA/Canada) : €150.000
- Annual Maximum Policy Limit for USA/Canada : €75.000
- Maximum Lifetime Limit per Ailment/Condition : Unlimited
- Annual Limit of Outpatient cover : €3.000
4. Maxi-Executive- Annual Maximum Policy Limit Worldwide (excluding USA/Canada) : € 1.000.000
- Annual Maximum Policy Limit for USA/Canada : €200.000
- Maximum Lifetime Limit per Ailment/Condition : Unlimited
- Annual Limit of Outpatient cover : €5.000

Important Note: The above constitutes a summary of the product features. Full details as to policy covers, conditions and exclusions are contained in Atlantic’s relevant Insurance Policy document.

Competitive Benefits

Worldwide cover
Prompt and fair claims settlement
Atlantic is trusted and respected by doctors and clinics
Free Travel and Personal Accident insurance
Emergency medical assistance abroad through Europ Assistance
Reimbursement of claims directly into your bank account
Settlement of inpatient claims effected directly to clinics/hospitals
MRI/CT Scans/ PET Scans are covered within the annual limit of the plan even when done on an outpatient basis
Limit for outpatient physiotherapy is not deducted from the limit for outpatient expenses

Atlantic is your trusted friend in times of need!

Frequently Asked Questions

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Q1. Do the plans offer worldwide cover?A1. Yes they do, but the maximum annual limit for USA/ Canada is lower.
Q2. Do I have to be a permanent resident of Cyprus? A2. Yes, the minimum residency requirement is 8.5 months. However, if you live abroad for more than 3.5 months in a year, the Company will consider providing cover at an additional premium.
Q3. Can I choose to have my treatment/operation abroad? A3. Yes you can, there is no such restriction in the policy.
Q4. Can I use the doctor/hospital of my choice? A4. Yes, there is no restriction in this respect.
Q5. Can I claim for GESY co-payments? A5. Yes you can, provided you submit a fully documented claim for conditions covered by the policy.
Q6. Do you offer plans for In-patient cover only? A6. Yes, all our plans can be offered on an In-patient basis only (with or without excess), with large discounts.
Q7. Do you stop the cover after the age of 65 or 70? A7. No, our clients can enjoy lifelong cover under our medical products.
Q8. Do you stop covering newly diagnosed chronic/recurring conditions after the renewal of the policy? A8. Our plans offer yearly limits for the ongoing treatment of chronic/recurring conditions. Acute phases/exacerbations of chronic/recurring conditions are covered within the normal covers of the plans.
Q9. Is there any exclusion for pandemics? A9. No, there is no such exclusion in the policy.
Q10. Why should I keep my private medical policy after the introduction of GESY (GHS)? A10. Through your private medical policy, you can access the best quality of health care such as:

- Medical cover and access to private doctors and hospitals of your choice in Cyprus and abroad
- Direct access to high quality medical care without waiting lists
- Direct settlement of in-patient hospital bills
- Access to the best quality medical supplies in case of surgical procedures i.e. implants, stents, etc.
- Coverage of co-payments (amounts paid by a GHS patient) as per policy terms, conditions and exclusions
- Medical evacuation in case of emergency
- Coverage of annual medical check-ups and health screening for women
- Cash allowance ranging between €80 and €140 per day (depending on the plan) if you choose to be treated in a GHS hospital or clinic and no claim is made under your medical policy
- Free Travel Insurance
- Free Personal Accident Insurance
Q11. Is there any tax benefit under medical insurance policy? A11. Yes, premium is tax deductible (for details please contact your tax advisor).

Medical Insurance

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