When seeking reliable insurance solutions in Cyprus, it is essential to find a provider that offers tailored services to meet diverse needs. HJS Insurance stands out as a leading insurance agency in Nicosia, delivering comprehensive insurance products for businesses, individuals, and expatriates. Our commitment to customer satisfaction and expert guidance makes us a trusted partner in managing risk and securing peace of mind. HJS Insurance Services Nicosia: Tailored Solutions for Every Need HJS Insurance provides a wide range of insurance services designed to protect various aspects of life and business. The offerings include: Business Insurance: Coverage options for small to large enterprises, including property, liability, and employee-related policies. Personal Insurance: Protection for homes, vehicles, health, and life, customised to individual circumstances. Expatriate Insurance: Specialised plans catering to the unique requirements of expatriates living and working in Cyprus. Each insurance product is crafted to address specific risks and provide financial security. For example, business insurance policies can be tailored to cover equipment damage, business interruption, or professional indemnity. Personal insurance plans may include comprehensive car insurance with roadside assistance or home insurance covering natural disasters. The team at HJS Insurance works closely with clients to assess their needs and recommend the most appropriate coverage. This personalised approach ensures that clients do not pay for unnecessary coverage while maintaining adequate protection. Eye-level view of a modern office building in Nicosia Understanding the Benefits of Choosing HJS Insurance Selecting the right insurance provider is crucial for effective risk management. HJS Insurance offers several advantages that make it a preferred choice: Expertise and Experience: With years of industry knowledge, the agency understands the local market and regulatory environment. Comprehensive Coverage Options: Clients can find all necessary insurance products under one roof. Customer-Centric Approach: The agency prioritises clear communication, transparency, and prompt service. Competitive Pricing: Tailored policies help optimise costs without compromising coverage. Claims Support: Efficient claims handling ensures clients receive timely assistance when needed. For businesses, this means having a reliable partner who understands the complexities of commercial insurance. For individuals and expatriates, it translates into peace of mind knowing that their assets and health are protected by policies designed specifically for their circumstances. How to Access HJS Insurance Services in Cyprus Getting started with HJS Insurance is straightforward. Initial inquiries can be made via the website, phone or email, allowing clients to receive information and schedule appointments conveniently. The agency’s website offers resources and contact details to facilitate communication. When visiting the office, it is advisable to bring relevant documents such as identification, property details, or business information. This preparation helps the team provide accurate assessments and tailored recommendations. Insurance Forms Practical Tips for Choosing the Right Insurance Policy Selecting an insurance policy can be complex, but following these practical steps can simplify the process: Assess Your Risks: Identify what you need to protect, whether it is property, health, or business operations. Compare Coverage Options: Review different policies to understand what is included and excluded. Consider Deductibles and Premiums: Balance the cost of premiums with deductibles to find affordable coverage. Check Provider Reputation: Choose an insurer with a strong track record of customer service and claims handling. Seek Professional Advice: Consult with insurance experts like HJS Insurance to clarify doubts and receive personalised recommendations. HJS Insurance excels in guiding clients through these steps, ensuring informed decisions. Our expertise is particularly valuable for expatriates who may be unfamiliar with local insurance regulations and market conditions. Contact Information and Location Details For those interested in exploring insurance options or requiring assistance, please contact us: Contact Details: Phone: 70005507 Website: www.hjsinsurance.com.cy Choosing HJS Insurance means partnering with a trusted agency dedicated to protecting your interests with comprehensive and tailored insurance solutions. Whether for business or personal needs, our expertise and customer focus make us a reliable choice in Cyprus. This overview of HJS Insurance services aims to provide clear, practical information to help secure the right insurance coverage.

Navigating the world of home insurance can be complex, especially in a unique market like Paphos. Whether you own a property or rent, understanding your options and securing the right coverage is essential. We have found that simplifying the process not only saves time but also ensures you get the best protection tailored to your needs. This article will guide you through the key aspects of home insurance in Paphos, helping you make informed decisions with confidence. Understanding Home Insurance Options in Paphos Home insurance in Paphos covers a range of risks associated with property ownership. These include damage from natural events, theft, and liability protection. The first step is to identify what type of coverage suits your property and lifestyle. There are generally two main types of home insurance policies available: Building Insurance: Covers the physical structure of your home, including walls, roof, and permanent fixtures. Contents Insurance: Protects your personal belongings inside the home, such as furniture, electronics, and valuables. In Paphos, many insurers offer combined policies that include both building and contents coverage. This can be more convenient and sometimes more cost-effective. When considering your options, pay attention to: Coverage Limits: Ensure the policy covers the full replacement cost of your property and possessions. Exclusions: Understand what is not covered, such as certain natural disasters or wear and tear. Additional Coverages: Some policies offer extras like accidental damage, legal expenses, or temporary accommodation if your home becomes uninhabitable. Eye-level view of a modern house in Paphos with clear blue sky Factors Influencing Home Insurance Quotes in Paphos Several factors affect the cost and availability of home insurance in Paphos. Knowing these can help you tailor your coverage and potentially reduce premiums. Property Location: Proximity to the coast, flood zones, or wildfire-prone areas can impact risk assessments. Property Age and Condition: Older homes or those with outdated electrical and plumbing systems may attract higher premiums. Security Features: Installing alarms, secure locks, and surveillance cameras can lower your insurance costs. Claim History: A history of frequent claims can increase your premiums. Policy Deductibles: Choosing a higher deductible can reduce your monthly premium but means more out-of-pocket costs in the event of a claim. By evaluating these factors, you can make adjustments that simplify your insurance process and improve your quote. How to Obtain and Compare Home Insurance Quotes Obtaining a home insurance quote in Paphos is straightforward when you know what information to provide and how to compare offers effectively. Steps to Simplify Your Quote Process: Gather Property Details: Include size, age, construction type, and any recent renovations. List Contents and Valuables: Prepare an inventory with estimated values. Assess Your Coverage Needs: Decide on building, contents, or combined insurance. Request Multiple Quotes: Independent Agents like HJS Insurance can help you compare quotes. Review Policy Terms Carefully: Look beyond price to coverage limits, exclusions, and claim procedures. When comparing quotes, focus on the overall value rather than just the premium. A cheaper policy may have gaps in coverage or higher deductibles that could cost more in the long run. Insurance comparison charts Tips for Tailoring Your Home Insurance in Paphos Customising your home insurance policy ensures you pay only for what you need while maintaining adequate protection. Bundle Policies: If you have other insurance needs, such as car or business insurance, bundling with the same provider can offer discounts. Review Annually: Property values and personal circumstances change. Regular reviews help keep your coverage relevant. Consider Additional Riders: For high-value items like jewellery or art, separate riders may provide better protection. Maintain Your Property: Regular upkeep reduces risk and can positively influence your premiums. These practical steps simplify managing your insurance and enhance your peace of mind. Making the Most of Your Home Insurance Experience Securing the right home insurance in Paphos is not just about finding a policy but also about building a relationship with a trusted insurer. Clear communication and understanding your policy details are crucial. Keep Documentation Handy: Store your policy documents, receipts, and inventories in a safe place. Report Changes Promptly: Inform your insurer about renovations, new valuables, or changes in occupancy. Understand the Claims Process: Know how to file a claim and what information is required. Seek Expert Advice: When in doubt, consult insurance professionals who understand the local market. By taking these steps, you simplify your insurance journey and ensure you are well-prepared for any eventuality. Simplifying your home insurance quotes in Paphos is achievable with the right approach. By understanding your options, knowing the factors that influence pricing, and actively managing your policy, you can secure comprehensive coverage that fits your needs. This proactive strategy not only protects your property but also provides confidence and clarity in your insurance decisions.

Relocating to Cyprus presents many opportunities and challenges. One of the most important considerations is securing the right insurance coverage. Tailored insurance for expats in Cyprus ensures protection against local risks while accommodating the unique needs of those living abroad. In this post, we will explore the various expat insurance options available in Cyprus, highlighting practical advice and key factors to consider when choosing coverage. Understanding Expat Insurance Options in Cyprus Insurance needs vary significantly for expatriates compared to locals. Expats often require policies that cover international travel, health care in private facilities, and protection for assets both in Cyprus and abroad. The insurance market in Cyprus offers a range of products designed specifically for expats, including: Health Insurance : Private health insurance plans that cover hospital stays, outpatient treatment, and specialist consultations. Property Insurance : Protection for homes and personal belongings, including coverage for natural disasters common in the region. Vehicle Insurance : Comprehensive and third-party motor insurance tailored to local driving conditions. Life and Income Protection : Policies that provide financial security for families in case of illness, disability, or death. Choosing the right combination depends on individual circumstances such as residency status, employment, and lifestyle. For example, an expat working remotely may prioritise health and income protection, while a retiree might focus on property and travel insurance. A modern Cypriot residential building Key Factors When Selecting Expat Insurance in Cyprus When evaluating insurance options, several factors should guide your decision: Coverage Scope : Ensure the policy covers the specific risks you face. For health insurance, check if pre-existing conditions are included and whether treatment abroad is covered. Local Compliance : Verify that the insurance meets Cyprus legal requirements, especially for vehicle and property insurance. Cost and Deductibles : Compare premiums and out-of-pocket expenses. Sometimes a higher premium offers better overall value through lower deductibles and broader coverage. Provider Reputation : Choose insurers with strong local presence and positive customer feedback. This ensures efficient claims processing and support. Flexibility : Look for policies that can be adjusted as your circumstances change, such as adding family members or extending coverage to other countries. Understanding these factors helps avoid common pitfalls like under-insurance or unexpected exclusions. Health Insurance for Expats in Cyprus Health insurance is often the top priority for expatriates. Cyprus has a public healthcare system, but many expats prefer private health insurance for faster access and broader treatment options. Private plans typically cover: Hospitalisation and surgery Specialist consultations Diagnostic tests Prescription medications Dental and optical care (optional add-ons) Some plans also include international coverage, which is essential for frequent travellers or those who split time between countries. When selecting a health insurance plan, consider: Waiting periods for certain treatments Coverage limits and co-payments Network of hospitals and clinics Emergency evacuation services For example, a comprehensive plan might cover private hospital stays in Cyprus and emergency medical evacuation to another country if necessary. This level of protection provides peace of mind for expats unfamiliar with the local healthcare system. Hospital reception desk in Cyprus Property and Vehicle Insurance Tailored for Expats Owning property in Cyprus requires adequate insurance to protect against risks such as fire, theft, and natural disasters like earthquakes or floods. Expats should ensure their property insurance includes: Building and contents coverage Liability protection for accidents on the property Optional coverage for valuables Vehicle insurance is mandatory in Cyprus. Expats must choose between third-party liability insurance and comprehensive coverage. Comprehensive policies offer protection against theft, damage, and accidents involving uninsured drivers. When insuring a vehicle, consider: Local driving conditions and traffic laws Coverage for personal belongings inside the vehicle Roadside assistance and legal support Tailored insurance packages often combine property and vehicle coverage, simplifying management and potentially reducing costs. Why Choose Professional Expat Insurance Services? Navigating insurance options in a foreign country can be complex. Professional services specialising in expat insurance provide expert guidance tailored to individual needs. For instance, hjs insurance expat services offer personalised consultations to identify the best coverage options based on your situation. Benefits of using specialised expat insurance services include: Access to a wide range of insurance products from reputable providers Assistance with paperwork and claims processing Ongoing support as your insurance needs evolve Advice on compliance with local regulations Engaging with a trusted insurance agency ensures you receive comprehensive protection without unnecessary coverage or gaps. Planning for the Future with Tailored Insurance Insurance is not a one-time purchase but an ongoing process. As life circumstances change, so do insurance needs. Expats in Cyprus should regularly review their policies to: Add or remove family members Update coverage limits based on asset value changes Adjust health insurance for new medical conditions or treatments Incorporate new risks such as business activities or travel plans Proactive management of insurance policies helps maintain adequate protection and avoid surprises during claims. It also allows for optimisation of costs and benefits. In summary, tailored insurance for expats in Cyprus is essential for managing risks and securing peace of mind. By understanding available options, evaluating key factors, and seeking professional advice, expatriates can build a robust insurance portfolio that supports their lifestyle and goals in Cyprus.

Navigating the insurance market in Cyprus can be complex. Whether you are a business owner, an individual, or an expatriate, securing the right insurance coverage is essential. The island’s unique economic and legal environment requires specialised knowledge to ensure that policies meet your specific needs. In this article, we will share insights into the top insurance experts in Cyprus, helping you make informed decisions about your insurance requirements. Understanding the Role of Insurance Experts in Cyprus Insurance experts in Cyprus play a crucial role in bridging the gap between insurance providers and clients. Their expertise lies in understanding the local market, legal requirements, and the diverse needs of clients. These professionals offer tailored advice, helping you select policies that provide adequate protection without unnecessary costs. For example, a business owner in Limassol might require a combination of property, liability, and employee insurance. An insurance expert can assess the risks specific to the business sector and recommend comprehensive coverage. Similarly, expatriates often need guidance on health insurance and property protection, considering their unique residency status. Insurance experts also assist with claims management, ensuring that clients receive fair settlements promptly. Their knowledge of policy terms and conditions can prevent misunderstandings and disputes. A modern office building in Cyprus How to Identify the Best Insurance Experts in Cyprus Choosing the right insurance expert requires careful consideration. Here are some practical criteria to evaluate potential specialists: Experience and Credentials Look for professionals with extensive experience in the Cyprus insurance market. Certifications and memberships in recognised insurance associations indicate a commitment to industry standards. Range of Services The best experts offer a wide range of insurance products, including business, health, life, motor, and property insurance. This variety ensures they can provide holistic advice. Client-Centred Approach Effective insurance experts prioritise client needs. They take time to understand your situation and explain options clearly, avoiding jargon. Reputation and Reviews Check online reviews and testimonials. Positive feedback from previous clients is a strong indicator of reliability and professionalism. Local Knowledge Cyprus has specific regulations and market conditions. Experts familiar with these nuances can offer better guidance. For instance, HJS Insurance is recognised as a leading insurance agency in Cyprus, known for its tailored solutions and customer satisfaction focus. Our team exemplifies the qualities mentioned above. Services Offered by Top Insurance Experts in Cyprus Insurance experts in Cyprus provide a variety of services designed to protect your interests. These include: Business Insurance Solutions Covering risks such as property damage, liability, business interruption, and employee benefits. Experts help customise packages to fit different industries. Personal Insurance Including health, life, motor, and home insurance. Specialists assess your lifestyle and financial goals to recommend suitable policies. Expatriate Insurance Tailored plans for expatriates covering health, travel, and property insurance, addressing the challenges of living abroad. Claims Assistance Guidance through the claims process to ensure timely and fair settlements. Risk Assessment and Management Identifying potential risks and advising on mitigation strategies. By working with a knowledgeable insurance expert, you gain access to comprehensive coverage that aligns with your needs and budget. Insurance Contracts can be complex. An expert advisor can make the insurance process easier. Why Trusting Local Expertise Matters Cyprus’s insurance market is influenced by local laws, economic factors, and cultural practices. Relying on local experts ensures that your insurance solutions comply with regulations and reflect market realities. For example, motor insurance requirements in Cyprus differ from other countries. A local expert will guide you through mandatory coverage and optional add-ons. Similarly, property insurance must consider regional risks such as weather conditions and property values. Local specialists also have established relationships with insurers, which can facilitate better terms and faster service. Their understanding of the claims environment helps in managing disputes effectively. Engaging with cyprus insurance specialists means partnering with professionals who prioritise your protection and peace of mind. Tips for Working Effectively with Insurance Experts To maximise the benefits of working with insurance experts, consider the following recommendations: Be Transparent Provide complete and accurate information about your circumstances. This enables experts to tailor advice precisely. Ask Questions Clarify any doubts about policy terms, coverage limits, and exclusions. Review Policies Regularly Insurance needs change over time. Schedule periodic reviews to adjust coverage accordingly. Compare Offers While experts provide recommendations, it is wise to compare different options to ensure value for money. Keep Records Maintain documentation of all communications and policy details for future reference. By following these steps, you can build a productive relationship with your insurance expert and secure the best possible protection. Securing Your Future with Trusted Insurance Experts Choosing the right insurance expert in Cyprus is a critical step towards safeguarding your assets and well-being. The island’s dynamic environment demands knowledgeable professionals who can navigate its complexities with skill and integrity. Whether you require business insurance, personal coverage, or expatriate plans, partnering with a reputable expert ensures that your insurance needs are met comprehensively. Remember to prioritise experience, client focus, and local knowledge when making your selection. By investing time in finding the right insurance expert, you protect your future and gain confidence in your coverage decisions. The peace of mind that comes with expert guidance is invaluable in today’s uncertain world.

Navigating the world of insurance can be complex, especially when seeking coverage that fits specific needs. In Cyprus, HJS Insurance stands out as a reliable partner offering comprehensive insurance services tailored to both personal and business requirements. This article explores the range of insurance solutions available, the benefits of choosing a trusted provider, and practical advice for securing the right coverage. Understanding Insurance Services in Cyprus Insurance is essential for protecting assets, managing risks, and ensuring peace of mind. In Cyprus, the insurance market caters to a diverse population including businesses, individuals, and expatriates. HJS Insurance provides a broad spectrum of services designed to meet these varied needs. Types of Insurance Offered HJS Insurance offers multiple types of coverage, including but not limited to: Business Insurance : Protects companies from financial losses due to property damage, liability claims, or employee-related risks. Health Insurance : Covers medical expenses for individuals and families, ensuring access to quality healthcare. Vehicle Insurance : Mandatory for drivers, this insurance covers damages and liabilities related to motor vehicles. Home Insurance : Safeguards residential properties against risks such as fire, theft, and natural disasters. Travel Insurance : Provides coverage for unexpected events during travel, including medical emergencies and trip cancellations. Each insurance product is designed with flexibility to accommodate specific circumstances and budgets. A modern office building in Nicosia Tailored Insurance Services in Cyprus One of the key strengths of HJS Insurance is its commitment to personalised service. Understanding that no two clients have identical needs, the agency offers customised insurance plans. Personalised Risk Assessment The process begins with a detailed risk assessment. This involves evaluating the client’s situation, potential exposures, and financial goals. For businesses, this might include analysing operational risks, supply chain vulnerabilities, and regulatory requirements. For individuals, factors such as lifestyle, health, and property value are considered. Customised Insurance Solutions Based on the assessment, HJS Insurance proposes policies that provide optimal coverage without unnecessary costs. This tailored approach ensures clients pay only for what they need, enhancing value and satisfaction. Expert Guidance and Support Clients benefit from expert advice throughout the insurance lifecycle. From selecting policies to managing claims, the team at HJS Insurance offers clear explanations and prompt assistance. This support is especially valuable for expatriates who may be unfamiliar with local insurance regulations. How to Choose the Right Insurance Provider in Cyprus Selecting an insurance provider requires careful consideration. Here are practical tips to guide the decision-making process: Check Reputation and Experience Look for providers with a strong track record and positive client feedback. HJS Insurance is recognised as a leading agency in Cyprus, known for reliability and professionalism. Evaluate Range of Services Ensure the provider offers the types of insurance you require. Comprehensive coverage options reduce the need to engage multiple companies. Assess Customer Service Responsive and knowledgeable customer service is crucial. The ability to get timely answers and support can make a significant difference during claims or policy adjustments. Compare Pricing and Coverage Obtain quotes from several providers and compare not only premiums but also coverage limits, exclusions, and deductibles. Understand Policy Terms Read the fine print carefully. Clarify any doubts about what is covered and what is not. By following these steps, clients can make informed choices that align with their needs and financial plans. Practical Recommendations for Maximising Insurance Benefits To get the most from insurance policies, consider the following actionable advice: Review Policies Annually Life changes such as marriage, new business ventures, or property purchases require policy updates. Maintain Accurate Records Keep documentation of insured assets, receipts, and correspondence to facilitate claims. Understand Claim Procedures Familiarise yourself with the steps to file a claim to avoid delays during emergencies. Bundle Policies When Possible Combining multiple insurance types with one provider often results in discounts and simplified management. Seek Professional Advice Consult with insurance experts to clarify doubts and explore coverage options. Implementing these practices enhances the value and effectiveness of insurance coverage. Securing Your Future with Reliable Insurance Services Choosing the right insurance partner is a critical decision that impacts financial security and peace of mind. HJS Insurance offers comprehensive, tailored solutions backed by expert guidance and dedicated support. Whether protecting a business, a home, or personal health, their services provide a solid foundation for managing risks in Cyprus. By engaging with a trusted provider, clients can confidently face uncertainties, knowing they have appropriate coverage in place. For those seeking dependable insurance services in Cyprus, HJS Insurance remains a top choice. For further information or personalised consultations, visit HJS Insurance

Do You Need Travel Insurance for Georgia? Yes — travel insurance is now mandatory. From 1 January 2026, all visitors entering Georgia must have valid travel insurance that covers: Medical expenses Emergency treatment Accidents The entire duration of stay Failure to present valid insurance may result in denied entry at the border. Georgia has always been an attractive destination for international travellers, with its rich culture, diverse landscapes, and welcoming cities such as Tbilisi and Batumi. However, a significant legislative change  is now shaping travel plans for 2026 and beyond: all foreign visitors entering Georgia must carry valid travel insurance that meets specific requirements (check article ) . What’s Changing — The New Insurance Rule Effective January 1, 2026 , the Georgian government will enforce a mandatory travel health and accident insurance requirement  for entry. Under this new regulation, every international visitor must present proof of valid travel insurance at the border . Without this documentation, travellers risk being denied entry into the country. The rule applies to all visitors — regardless of nationality — whether you are entering for tourism, business, study, or other short- to medium-term stays. Minimum Coverage Expectations The new legislation doesn’t just require insurance — it specifies minimum coverage that must be valid for the entire duration of your stay  including: Emergency medical outpatient coverage up to 5000 EUR Medical evacuation and repatriation benefits up to 30000 EUR Border officials will physically check your insurance documentation issued in English or Georgian — either printed or digital — at airports, land borders, and seaports. You must purchase your travel insurance before your trip to Georgia from Georgian or International insurers , otherwise you may face denial of entry or a fine. Why This Matters for Your Trip This new regulation fundamentally changes how travellers prepare for their trip to Georgia. Previously, travel insurance was strongly recommended  but not enforced at the point of entry. From 2026, it will be a legal prerequisite to enter the country . Without valid travel insurance: You may be refused entry at the border You could face last-minute insurance purchase requirements Travel disruptions and unexpected medical costs will be uninsured How to Comply and Protect Your Travel Plans To satisfy Georgia’s entry requirements and safeguard your trip, purchase travel insurance that explicitly covers health and accident-related expenses for the exact dates of your stay . The process can be completed online in minutes: Visit a digital travel insurance provider  such as TravelSafeNow.com Enter your travel dates and destination (Georgia and, if applicable, other countries) Choose a policy that meets or exceeds Georgia’s minimum coverage requirements such the “Visa” plan Receive your insurance documentation instantly Having your insurance policy ready before departure not only ensures compliance with Georgia’s new law, it also protects you against unforeseen events such as illness, injury, trip cancellation, or baggage loss — costs that can otherwise be significant abroad. Visit Georgia with Confidence Don’t let an unexpected legal or medical situation disrupt your travel plans. With TravelSafeNow’s online platform ( https://www.travelsafenow.com/ ) , you can quickly purchase compliant travel insurance for Georgia and other destinations, including Schengen countries — all from the comfort of your home. Plan smart. Travel safe. Comply with Georgia’s new insurance laws — and enjoy your journey with total peace of mind.

Welcome to Cyprus! This guide is designed primarily for newcomers to this beautiful island, but even if you have been living in Cyprus for a while, you may still benefit from it. Our aim is to provide you with the necessary information to understand the healthcare system in Cyprus, empowering you to make well-informed choices regarding your health and wellness. What is GHS/GESY and Who is it For? GESY, also known as the General Healthcare System, is healthcare initiative in Cyprus designed to provide comprehensive healthcare services to all permanent residents and Cypriot citizens. This inclusive system also extends its benefits to foreigners, depending on their immigration status. To determine your eligibility, you can visit the GESY portal. Enrollment Process Enrolling in GESY is straightforward but requires adherence to specific criteria. To submit an enrollment request, you must: • Be registered in the Civil Registry or the Registry of the Migration Department and/or the Social Insurance Services. • Possess a valid residence permit (for non-Cypriot nationals). Having a personal doctor can significantly simplify the enrollment process. Your doctor can complete the application on your behalf, ensuring all necessary details are accurately submitted. Alternatively, you can register online by creating an account and providing additional information such as your address and contact details. For those without Internet access, enrollment can be done by third parties with an account in the Beneficiary Portal, provided this is done with your consent. Coverage and Payments GESY is designed to make healthcare universally accessible, recognizing that healthcare is a fundamental necessity rather than a luxury. The funding consists of two main components: 1. Contributions: Funding for GESY comes from contributions by employees, employers, self-employed individuals, pensioners, and the state. The contribution rates are as follows: • Employees: 2.65% • Employers: 2.9% • Self-employed individuals: 4% • Pensioners: 2.65% • State: 4.7% These contributions are structured to ensure a sustainable and comprehensive  healthcare system. 2. Co-payments: For services that go beyond the basic entitlements, such as specific medications or specialist services, minimal co-payments are required. These co-payments are kept affordable to maintain the system's accessibility to necessary healthcare. Let's explore this in detail: • A visit to a specialist doctor costs 6 EUR. • A visit to a specialist doctor without referral from PD costs 25 EUR. • A visit to a specialist doctor after 8pm or weekends could cost 25 EUR. • If a patient exceeds the number of visits allowed by GESY, the PD (Personal Doctor) or Pediatrician will charge 15 EUR per visit. Example: adults between 18-40 years old are allowed 4 free visits per year. If they exceed this number, they must pay 15 EUR per visit. Children between 11-18 years old are allowed 3 free visits per year. If they exceed this number, they must pay 15 EUR per visit. • Co-payments apply: Beneficiaries must pay co-payment of one euro (see table below) per medicine and per prescription. In addition to the Co-payment, beneficiaries may need to pay Contribution II. Contribution II is the cost difference between the cheapest alternative which is fully reimbursed by the GHS and the prescribed product. If the beneficiary prefers the more expensive product, he/she will be burdened by the cost difference between the cheapest medicine, within a given category, and the prescribed medicine (Contribution II). Comparing Public And Private Insurance Drawbacks of GESY - Covers Treatments in Cyprus only: GESY covers treatments only in Cyprus. In special circumstances and serious cases, you may apply to the GESY committee to have your treatment abroad. - You can visit only a specific Personal Doctor (PD): With GESY you must select one General Practitioner who is your focal point of contact. In case you must visit a specialist doctor, for example, orthopedic doctor, you must visit your PD to examine you and then issue a referral to visit a specialist doctor. There is a maximum number of referrals doctors can issue and GESY fines them if they exceed that number. Sometimes PD’s refuse to issue a referral if it’s not a serious medical matter. - Waiting times: Experience shows that there is long waiting time to undergo treatment or operation in hospitals which belong to GESY. - Family Members: Family members of Foreign Employees may find it difficult to register with GESY due to bureaucracy. - Covers only specific Medicines: GESY provides a list with specific medicines that are covered. If a medicine is not included in the list, the patient will pay the full retail price. - GESY covers generic medicines: Most medicines covered by GESY are generic medicines, not original medicines. Generics are considered as “copies” of registered, original medicinal products which are already placed on the market.  - Over the counter medicines are not covered. - GESY is still undergoing many reforms and changes: many locals choose to keep a private medical insurance to have the freedom of choice when in medical need.   Pros of having Private Medical Insurance: - Avoid long waiting times: To avoid long waiting times that take place with GESY’s appointments to clinics and doctors. - Freedom of Choice: To have the option of visiting any doctor/hospital in Cyprus, outside of GESY’s network. - Quality of Treatment: Some of the top doctors and hospitals in Cyprus are not registered with GESY and are only accessible privately. - Worldwide Medical Treatment: To have the option of having surgery abroad if needed. - Choice of Original Medicines: Some medicines are not covered by GESY and patients are responsible for the full cost. - Single Room in a hospital: Private insurance gives you the option of a single room in a hospital whereas GESY does not provide this option. - Reimbursement of GESY fees: Even GESY charges certain fees and co-insurances. The private medical insurance can cover those fees. - Certain treatments may not be covered by GESY but covered by private insurance e.g extraction of teeth, optical expenses, diagnostic tests and checkups without referral from doctor.   Conclusion To sum up, Cyprus provides a range of options for public and private health insurance. Rest assured that security and health care are top priorities, when relocating to this gorgeous island! For more detailed information and to verify your eligibility for GHS, visit the GESY portal. If you are interested in private medical insurance options, feel free to get in touch with us for a complimentary consultation or fill in a form on our website: https://bitly.cx/SBWAx Author: HJS Insurance Tel. 70005507 Website: www.hjsinsurance.com.cy Source: General Healthcare System of Cyprus

The House of Representatives passed a bill amending the 2019 Law by adding provisions for the creation of a registry, by the Deputy Ministry of Tourism, for the registration of self-service, short term rent, accommodation establishments (villas, houses and apartments) which are advertised on platforms such as Airbnb and Booking.com. According to the Deputy Ministry, upon the submission of the application the applicant may advertise and or rent the self-service accommodation, provided that it is registered in the Register of Self-Service Accommodation and has received the special sign and Registration number by the Deputy Ministry. The requirements for registering a self-service accommodation are: ➢ Registration with the tax department ➢ Insurance coverage for the establishment, at least insurance against any risk and especially fire and public liability insurance. The application form for the registration in the Register of Self-Service Accommodation can be found on the website of the Deputy Ministry of Tourism www.tourism.gov.cy . A fee of 222 EUR/every three years will apply. HJS Insurance provides Property Owners insurance packages which fulfil the requirements of the law. Call us for a complimentary consultation or visit our website to learn more: https://www.hjsinsurance.com.cy/property-owners-insurance

How to convert a foreign driving license to a Cypriot Driving License Driving in Cyprus A person who temporarily visits the Republic of Cyprus for a period not exceeding 30 days and holds a valid driver's license, is entitled to drive in the Republic during their stay, provided that the driver's license issued in a foreign country remains valid. Holders of an international driving license are allowed to drive during their stay in Cyprus provided that the international driving license is valid. If a person plans to stay in Cyprus for more than six months, depending on the issuing country of driving license, they have the following options: 1. Holders of a driving license from an EU member state 2. Holders of a driving license of non-EU member state with a reciprocal exchange agreement between Cyprus and the issuing country 3. Holders of a driving license of a foreign country which has not a reciprocal exchange agreement with Cyprus 1. Holders of a driving license from an EU member state The conversion of a driver's license from a foreign to a Cypriot one is done when the Driver's License comes from a country where its Driver's License is recognized as equivalent to the Cypriot one (see list of 21 countries below) or from a country of the European Union. Drivers with a driving license from an EU country can voluntarily exchange their driving license to a Cypriot one following six months of residency in Cyprus. In case that an EU driving license held by a resident of Cyprus expires, is lost or stolen, it must be replaced in Cyprus. You must meet the conditions for obtaining a driver's license to issue a Cypriot Driving License (e.g., you have reached the minimum age of 18 years old, your health condition allows driving, etc). Before the authorities replace your driving license, they will contact the authorities in your previous country of residence to check that your driving license is not restricted, suspended, or revoked. Important Information 1. The holder of a driver's license or learner's license issued by a competent authority of a member state of the European Union is subject to the laws and regulations that apply to holders of a driver's license or learner's license issued by the competent authority of the Republic of Cyprus, during the time he/she drives a motor vehicle in the Republic. 2. Any person is allowed to hold at any given time only one driver's license or learner's driver's license that is valid and has been issued by a member state of the European Union. 2. Foreign Driving Licenses recognized as equivalent to Cypriot Driving License based on a reciprocal exchange agreement between Cyprus and the issuing country Based on the “The Driving License Law of 2001 and its amendments” (Article 20, Amended 06 April 2020), the following driving licenses are considered as equal to the Cypriot Driving License, therefore, are valid in Cyprus without the requirement to have an International Driving License: List of 21 countries of which Driving License is valid in Cyprus: 1. NORWAY 2. ISLAND 3. LICHTENSTEIN 4. AUSTRALIA 5. SWITZERLAND 6. ZIMBABWE 7. USA 8. JAPAN 9. CANADA 10. NEW ZEALAND 11. SOUTH AFRICA 12. RUSSIA 13. GEORGIA 14. UKRAINE 15. SOUTH KOREA 16. SERBIA 17. UNITED ARAB EMIRATES 18. QATAR 19. CHINA 20. MOROCCO 21. MONTENEGRO Holders of driver's licenses from the countries above are obliged to exchange their driver's license after a six-month stay in the Republic of Cyprus. As the driving licenses of the 21 countries above are considered as equal to the Cypriot Driving License, holders do not need to take driving lessons again or pass theoretical and practical tests to exchange their driving license to a Cypriot one. Procedure for the conversion of a foreign driving license (EU or recognized as equal driving license) to a Cypriot Driving License: The procedure to convert a foreign driving license (EU or recognized as equal driving license – list of 21 countries) to a Cypriot Driving License is outlined in steps below: 1. Complete the application for driving license (ΤΟΜ 7Δ) 2. Provide a recent photo 45x33mm 3. Provide a Cypriot ID or Residence Permit (Original and one copy) 4. Provide a Passport (Original and one copy of the main page) 5. Provide the Foreign driving license (original and one copy of all pages). The original driving license will be returned to the issuing country. 6. Provide a translation of the Foreign Driving License (only if it’s in a language other than Greek or English). Translation should be performed by approved translators (see https://www.pio.gov.cy/en/translations/) 7. Provide proof of at least six months of residence in Cyprus (such as utility bill, bank account, rental agreement) 8. Present all the documents in person*. There is an application fee of 40 EUR for persons up to 65 years old. There is no fee for persons above 65 years of age. *For the issuance/copy of a Driver's License, interested parties should contact the local authorities provincial offices of the Road Transport Department of Nicosia (TOM), Limassol, Larnaca, Famagusta and Paphos or all Citizen Service Centers (CSCs) and KE.POs of the Department of Postal Services (see https://www.cypruspost.post/en/kentro-politi). Important Information 1. Cypriot Driving License is issued for a period of fifteen years for categories AM, A1, A2, A, B, B1 and BE. After the date the applicant turns 55 years of age, the driver's license is issued for a period until the applicant reaches the age of seventy (70). 2. The renewal of a standard driving license for people aged 70 and over is valid for three years. 3. Holders of a driving license of a foreign country which doesn’t have a reciprocal exchange agreement with Cyprus Holders of a driving license which is not issued from an EU member state or not recognized as equivalent of the Cypriot Driving License (see List of 21 countries) must start the procedure for issuance of a driving license as a new driver in Cyprus and undergo practical and theoretical examination. The allowed period to drive in the Republic of Cyprus with a foreign driving license depends on the issuing country. It’s advised to contact the Department of Transport or corresponding Embassy/Consulate in Cyprus. Only people who have been residents in Cyprus for at least six months may apply for a Cyprus driving license. Driving license conditions A driving license for a category or special category of motor vehicle is granted to an applicant who: (a) has habitual residence in the Republic or proves that is attending a higher education institution for a period of at least six months. (b) has passed a theoretical and practical examination on the subjects specified in article 23 of the law. (c) has the minimum physical and mental abilities, as certified in accordance with the provisions of article 33 of the law. (d) does not hold another valid driver's license issued by a member state of the European Union. (e) pays the fees specified in Appendix C of the law. There is an application fee of 40 EUR for persons up to 65 years old. There is no fee for persons above 65 years of age. (f) has completed the required minimum age for the driver's license applied for, in accordance with the provisions of article 6 of the law. To learn more on how to issue a Cypriot Driving License you can contact: DEPARTMENT OF ROAD TRANSPORT Vasileos Pavlou 27, 2412 Egkomi Tel: +35722807000 Fax: +35722354030 email: roadtransport@rtd.mcw.gov.cy HJS Insurance provides insurance coverage to holders of EU driving license, non – EU driving license of a country which has a reciprocal exchange agreement with Cyprus and other countries including UK, USA, China, Russia, Israel, Japan, Lebanon, Iran. You can request an insurance quote from us here: www.hjsinsurance.com.cy/contact Author: HJS Insurance Agents & Consultants Tel. 70005507 Website: www.hjsinsurance.com.cy Source: The Driving License Law of 2001 - 94(I)/2001 DEPARTMENT OF ROAD TRANSPORT

In Cyprus, Life insurance not only serves as a protection for loved ones, but also provides valuable tax advantages. Any person working in Cyprus, who is obliged to pay income tax, can include in their tax declaration form (Taxisnet), every year, the Medical and Life Insurance expenses which count towards tax reduction. Advantages for having a Life Insurance Policy in Cyprus: • Recognized by Cyprus Tax Authorities as a Tax Reduction Expense. • Can accumulate substantial cash value. It serves as a stable and tax-efficient financial safety net for emergencies, college education, retirement, and even as an opportunity for supplementary income. • Protects your loved ones and your business financially in case of need. • Provides extra coverage, if added in the policy, for serious disease, Permanent Total Disability, Emergency medical expenses and other medical benefits. 6 ways Life Insurance can help with tax reduction in Cyprus. 1. Tax-Free Death Benefit/ Estate Planning: Life Insurance can be used as an estate planning tool to pass on wealth to your beneficiaries. Life Insurance policies provide a tax-free death benefit to the beneficiaries upon the insured person's passing. This means the policy proceeds are not subject to income tax or capital gains tax. 2. Reduction in Annual Income Tax: Life Insurance premiums can provide tax reduction up to one fifth of the allowed annual taxable expenses. 3. Business Expense: If the policy is solely for the purpose of protecting business interests, the premiums may be considered as a business expense and can be deducted from taxable income. 4. Wealth Accumulation: Certain types of Life Insurance policies, such as investment-linked policies, offer a savings and investment component. The growth of cash value within the policy is typically tax-deferred, which means that you won't pay taxes on the investment gains until you withdraw them. 5. Pension Planning: Life Insurance can also play a role in pension planning. Contributions made towards pension plans with life insurance elements are eligible for tax relief, allowing you to reduce your taxable income. 6. Business Succession Planning: Life Insurance can be an integral part of your business succession plan. By utilizing a Life Insurance policy, you can provide the necessary liquidity to fund the buyout of a deceased owner's interest, ensuring a smooth transition while potentially benefiting from tax advantages. The importance of Expert Advice when deciding a Life Insurance Plan We pass through different stages in life, from single life to married life with children. Thus, each person and family have unique insurance needs which can only be analysed by a professional insurance consultant. The most important step in deciding the right life insurance plan for you is to select a trustworthy and experienced insurance consultant who will guide you through the entire process, analyse your unique needs and advice the right insurance plan for you. We, at HJS Insurance, are here to help you make informed financial decisions to harness the power of tax reductions through Life Insurance. We can prepare a complimentary Life Insurance offer and calculate your tax deduction through our insurance software during a quick online consultation. Feel free to reach out to us to schedule a complimentary online consultation meeting or discuss any questions you may have regarding Life Investment Insurance for tax purposes. Your trustworthy insurance consultants, HJS Insurance Tel. 70005507 www.hjsinsurance.com.cy

Labs Tower in Nicosia, Cyprus In today's globalized economy, choosing the right location for your business is crucial for growth and success. Cyprus, with its strategic location at the crossroads of Europe, Asia, and Africa, offers a wealth of opportunities for companies looking to expand or relocate. Known for its favorable tax regime, robust legal framework, and business-friendly environment, Cyprus has become a top destination for entrepreneurs and established businesses alike. Whether you are considering transferring an existing business or starting a new venture, Cyprus provides a compelling case for why it should be your next business hub. Below we outline 20  reasons to relocate your business in our vibrant Mediterranean island nation: EU Member State : As a member of the European Union, Cyprus provides businesses with access to the single market, allowing for the free movement of goods, services, capital, and people. Euro Currency : Using the Euro (€) eliminates currency exchange risks and costs within the Eurozone, providing stability and ease of transactions. Skilled Workforce : Cyprus boasts a highly educated, multilingual workforce, with many professionals holding degrees from top universities in the UK, US, and Europe. Low Costs Associated with Doing Business : The cost of doing business in Cyprus is relatively low compared to other EU countries, without compromising on quality. Fast Administration Procedures : Cyprus offers efficient and streamlined administrative processes, making it easier and quicker to set up and operate a business. Corporate Tax : Cyprus has one of the lowest corporate tax rates in the EU at 12.5%, making it an attractive destination for businesses. Individual Tax - Progressive System : The individual tax system in Cyprus is progressive, with rates ranging from 0% to 35%, ensuring a fair tax burden based on income levels. 20% & 50% Tax Relief is available to individuals whose first employment in Cyprus commenced after 2022. Insurance Tax Incentives : Life Insurance premiums can provide tax reduction up to one fifth of the allowed annual taxable expenses. Deductions for Investment in Innovative SMEs : Tax deductions are available for investments in innovative small and medium-sized enterprises, encouraging entrepreneurship and innovation. No Income Tax on Disposal of Shares : There is no income tax on the disposal of shares, making it an attractive environment for investors. Inheritance Tax : Cyprus does not impose any inheritance tax, making it an attractive destination for estate planning. Dual Citizenship Allowed : Cyprus permits dual citizenship, allowing individuals to retain their original nationality while enjoying the benefits of Cypriot citizenship. Intellectual Property Regime : The IP Box regime in Cyprus offers significant tax benefits for income derived from intellectual property, encouraging innovation and development. Wealth Tax : Cyprus does not impose any wealth tax, making it an attractive destination for high-net-worth individuals. Crypto Tax : Cyprus has a favorable tax regime for cryptocurrencies, with no specific regulations imposing additional taxes on crypto transactions. Culture : Cyprus has a rich cultural heritage, with a blend of ancient history and modern influences, offering a vibrant and diverse lifestyle. Weather : The Mediterranean climate in Cyprus provides over 300 days of sunshine a year, with mild winters and hot summers. Beaches : Cyprus is renowned for its beautiful beaches, offering stunning coastal landscapes and a variety of water activities. 19.     High Quality of Life : Cyprus offers a high standard of living with excellent healthcare, education, and a safe environment, making it an attractive place for both business and personal life. 20.  Robust Legal Framework : Cyprus has a well-established legal system based on English common law, providing a reliable and transparent legal environment for businesses. This ensures strong protection for investors and facilitates smooth business operations. These advantages make Cyprus a great choice for businesses seeking a strategic location with a favorable tax environment. At HJS Insurance, we have successfully helped tech companies relocate to Cyprus, ensuring a smooth and efficient transition. We have partnered with leading experts in accounting, legal, and wealth management to provide you with comprehensive support throughout the relocation process. Our team is dedicated to offering you all the information and assistance you need to make your move to Cyprus a success. Contact us  today to learn more about the relocation process and how we can assist you in making a seamless transition. Get in touch with us now and start your journey towards a brighter business future in Cyprus!   HJS Insurance www.hjsinsurance.com.cy

Insurance is one of those things everyone knows they need, but few understand fully. Whether it's safeguarding your business, protecting personal assets, or securing your future, choosing the right coverage can feel overwhelming. That’s why we were excited to sit down with Cyprus Insurance WEBTV to discuss the ins and outs of insurance and how our agency, HJS Insurance, helps simplify this process for our clients. In this exclusive podcast interview we talked about some exciting updates at HJS Insurance, including our new social media presence , our company priorities , and why building strong, lasting relationships with our clients is at the heart of everything we do. Listen to our full podcast interview here : https://www.youtube.com/watch?v=glHOm-SDMY8&ab_channel=CyprusInuranceWEBTV Don’t wait until it’s too late - reach out to HJS Insurance today for a free consultation. Let’s find the perfect insurance solution to fit your needs. Contact us at: https://www.hjsinsurance.com.cy/contact or give us a call at 00357 99904196 to get started!