Physiotherapy with GeSY: referral, sessions and co-payment

The referral

GeSY covers physiotherapy only with a referral from a GeSY personal doctor or specialist, and only for diagnoses on the Health Insurance Organisation's list. Going straight to a physiotherapist is not covered by GeSY.

With a referral, you contact any physiotherapist contracted with the HIO. You can change physiotherapist, but the total number of visits on the referral stays the same.

How many sessions are covered

Under the diagnosis list in force from 1 February 2025, for adults:

• 6 sessions for mild musculoskeletal conditions, such as knee and hip osteoarthritis, rotator cuff problems, tennis elbow, tendon problems and disc problems with nerve pain
• 9 sessions for musculoskeletal injuries, such as sprains, ligament and tendon injuries and frozen shoulder
• 12 sessions for other serious conditions, such as COPD, lymphoedema, cardiac rehabilitation and incontinence
• 18 sessions after most fractures and operations, with a surgeon's referral; 28 after rotator cuff repair and 30 after ACL reconstruction

Neurological and rheumatology patients enrolled on special registers get more visits, and there are separate tables for children.

Important: only the main diagnosis on the referral sets the number of visits. Extra diagnoses do not add visits. The HIO confirmed this in an announcement dated 2 October 2026.

What you pay

The co-payment is €10 per physiotherapy visit, paid directly to the provider. There is a yearly cap on co-payments: €75 for people on the Minimum Guaranteed Income, low-income pensioners and children under 21, and €150 for everyone else.

What is not covered

GeSY does not pay for general fitness or wellness programmes. Physiotherapy must follow a treatment plan for a specific condition. Without a referral, or once your visits run out, you can continue privately.

Practical points

For questions, the GeSY call centre is on 17000, and gesy.org.cy has a provider search. If you have a referral, call us on 99 536252 and we will check together how many visits it covers.