Getting health insurance in Malta
Malta has an extremely well-developed health care system, which includes both public health care and private health insurance. The choice of private health insurance companies and plans in Malta is excellent. The advantages of private insurance are manifold and provide the insured with fast and high-quality treatment locally or abroad. Therefore, such an option is a bit expensive comparing to public health care.
Health insurance for expats in Malta
Those expats who intend to visit, study or work in sunny Malta might consider if private health insurance for expats in Malta is required.
Third-country nationals
Non-EU citizens must have one as a student or during a short stay in Malta. Those third-country nationals applying for a work permit in Malta shall also provide proof of health insurance that covers their hospitalisation in Malta.
EU Citizens
EU expats, on the other hand, do not need additional insurance for stays of up to 90 days, unless they have the European Health Insurance Card (EHIC). Please note that the EHIC card generally covers emergency and basic medical services.
Private insurance is a useful addition to the EHIC card if you intend to visit Malta for up to 180 days a year and are not employed during this time.
Which health services are covered in Malta?
Most companies have several plans with different maximum coverage and included services. What are the advantages of this type of insurance? Private health insurance covers medical treatment in private clinics and hospitals, from visits to the family doctor through to specialist visits, diagnostic tests, hospital stays and complex operations.
In addition, as a privately insured person, you can benefit from the following advantages depending on the plan:
- Reduce waiting times
- choose place and doctor of treatment
- get a private room during hospitalisation
- receive dental treatment.
The basic packages usually offer only basic coverage, while some premium plans offer additional dental coverage, cancer screening, maternity benefits, etc. Please note, the treatment of long-term and incurable illnesses is generally excluded from the insurance coverage and the benefits that are covered vary according to the plan and company selected.
How do I get private health insurance?
The best-known companies are Atlas and Gasanmamo. Besides, many of the private insurers have a special plan that is adapted to the needs of the expatriates. Laferla and Bupa have been present in Malta for some time.
Offering a range of individually designed plans, they give customers great flexibility in selecting their plans. Applying for insurance is quite easy. You can request a quote by email or phone, start a chat or visit the insurance company office.
How much is health insurance in Malta?
The price of the private police depends on several factors such as nationality, age, the reason for stay and of course, the selected plan. However, the prices depend strongly on the selected plan and age. Some companies offer additional price reduction if the insurance is paid annually by direct debit.
Summary
In Malta, private health insurance exists alongside public health insurance. Third-country nationals need private insurance to apply for a visa. EU citizens do not need private health insurance if they have the EHIC card and do not reside in Malta for more than 90 days per year.
There is a wide range of health insurance companies and plans. Many of the companies offer policies specially adapted to expats, with many benefits based on the plan. Prices are calculated based on various aspects such as age, nationality, the reason for entry.
You can contact the companies online as well as locally and get a quote or get detailed information on specific questions.
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