Don't travel without Insurance!
The local clinic in Ayia Napa is a private hospital and there are several doctors in Ayia Napa who you can walk in and see 24 hours a day with no appointment for any medical condition. If you are unfortunate enough to have to spend an overnight stay in the Ayia Napa Clinic (Napa Olympic Polyclinic) then you will be facing a bill of around €500 per night. Stitches can cost around €50 per stitch and x-rays €500. You certainly don't want to be facing huge medical bills should anything happen to you, when you can purchase travel insurance for the price of a couple of drinks. Most policies would also cover the following - if you lose your luggage, personal property or money, you can claim it back. If you need to cancel the holiday last minute for an unforeseen reason you can claim some or all of the cost back. If you need to return home urgently for emergency reasons your flight may be paid for.
These replaced the old E111 forms a few years ago. They entitle EU citizens to medical treatment in other European countries at very low costs in state run hospitals. They are essential thing to have for anyone travelling abroad but do not replace travel insurance as they only cover state hospitals.
The nearest state hospital to Ayia Napa is in Paralimni, about 20 minutes away. They have an Accident and Emergency department which is open 24 hours with an ambulance service. For serious conditions and anything requiring urgent medical attention, this is where to go.
Charges are currently €10 for the emergency department, €3 to see a general doctor, €6 to see a specialist doctor and 50 cents per item for prescriptions and lab tests.
You can apply for an EHIC card online, each European country will have its own application system though, the UK’s one is run by the NHS and information can be found on their site.
If you have an EHIC card you should still take out travel insurance so that you are fully protected.