Terms and Conditions


1 Overview

These terms and conditions are applicable to the website of the Health Insurance Organisation of Cyprus, established by the General Health Care Scheme Law of 2001 (Ν.89(Ι)/2001), with registered office at 17-19 Klimentos Street., 1061 Nicosia (hereinafter: “HIO”).

2  Applicability

These terms and conditions apply between you, the user, and the HIO. Every visit to this website is subject to these terms and conditions. By visiting this website, you tacitly and unconditionally agree with the applicability of these terms and conditions.
The HIO can amend these terms and conditions at any time without any prior notification. Amended terms and conditions will be applicable from the moment they are published on the website. These terms and conditions were last updated on 15 October 2018.

3 The obligations of the user

The user agrees to oblige to the following rules of conduct:
  • To not interfere with the normal functioning of this website
  • To not infringe the intellectual property rights of the HIO
  • To not perform any acts that hinder the use of other users
  • To not break the security measures of this website
In case of failure to comply with these terms and conditions, including these rules of conduct, the HIO can at its sole discretion block the user’s access to this website, without any notification.

4 Intellectual property rights

The HIO always remains the exclusive holder of all intellectual property rights related to the content – including all appurtenances – of the website, including any software used for the functioning thereof. The complete or partial reproduction, dissemination, sale, publication, adaption, translation, processing or use for commercial purposes in any way is explicitly prohibited. Unless expressly stipulated otherwise, the HIO will not transfer any intellectual property rights.
Extracting information of this website in a databank is explicitly prohibited, with the exception of the automatically caching of the information by the browser. Exceptions to this can only be allowed by the law of Cyprus or by the prior and written consent by the HIO

5 Privacy & cookies

For the provisions governing privacy & cookies, reference is made to the privacy policy (link) and cookie policy (link) that form integral components of these terms and conditions.

6 Applicable law

These terms and conditions are exclusively governed by the law of the Republic of Cyprus. Only the courts of Nicosia are authorized to hear the disputes regarding these terms and conditions.