Terms and Conditions and Cookie Policy


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.

What are cookies?

A cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, language, font size and other display preferences) over a period of time, so you don't have to keep re-entering them whenever you come back to the site or browse from one page to another.

How do we use cookies?

This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer or mobile device, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers including in the United States. Google will use this information for evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Do we use other cookies?

Some of our pages or other GHS sites such as the GHS Beneficiary and Provider Portals may use additional or different cookies to the ones described above. If so, the details of these will be provided in their specific cookies notice page. You should be asked for your agreement to store these cookies.

How to control cookies

You can control and/or delete cookies as you wish. For details how to do this, take a look here where you can read how to delete all cookies that are already on your computer and how you can set most browsers to prevent cookies from being placed.