GESY Healthcare System Explained
How Cyprus's national health system (GESY/GHS) works — who pays, how much, and what you get.
Key Facts
Who Pays GESY?
GESY applies to a far wider income base than social insurance — earned and passive income — and its ceiling of €180,000/year is much higher than the €68,904/year social insurance cap.
| Category | Rate | Cap |
|---|---|---|
| Employee (earned income) | 2.65% | €180,000/year |
| Employer contribution | 2.9% | €180,000/year |
| Self-employed | 4% | €180,000/year |
| Pensioners | 2.65% | €180,000/year |
| Passive income (dividends, interest, rental) | 2.65% | €180,000/year |
Key Difference: GESY vs Social Insurance
Social insurance contributions are capped at €68,904/year. Above that amount, you stop paying social insurance. GESY has a €180,000 annual cap across all income sources combined. For most earners this is a very high ceiling; only those earning above €180,000/year from salary, dividends, interest, and rental combined will hit it. This is an important consideration for high earners.
GESY also applies to passive income (dividends, bank interest, rental income) even if you are non-domiciled and exempt from SDC. There is no exemption from GESY based on domicile status.
What Does GESY Cover?
Calculate Your GESY Contributions
Use our calculators to see exactly how much GESY you'll pay.