Health insurance plans in Malta fall under two categories: Residents of the Maltese islands and non-residents (expats). Many expat health insurance plans in Malta do not include Worldwide or USA coverage. They do, however, cover emergency and outpatient services, and preventative care such as dental care, eyesight tests, health checks, and 24/7 medical helplines.
Medical insurance is available from local providers:
- Bupa
- Atlas
- Laferla
- GasanMamo
- Citadel
- Middlesea
When choosing a health insurance plan in Malta, consider:
- Your level of existing coverage (are you an EU national with an EHIC card? Are you covered by Malta's national health program?)
- Your travel tendencies (do you require worldwide and USA coverage?)
- Your prescription needs
- Will you require pregnancy cover in the future?
- Do you require coverage for routine and outpatient services?
- Do you require dental and optometry coverage?
- Do you require additional coverage for serious diseases such as cancer and HIV/AIDS, or chronic conditions?
- Do you require additional coverage for alternative therapies?
- Do you require emergency evacuation and ambulance cover?
- Do you require disability cover?
- Does your employer currently offer business health insurance plans?
Pricing plans for health insurance in Malta vary according to your age, gender, and pre-existing conditions, and start at €200 annually.
The Government of Malta requires that non-EU citizens provide proof of health insurance for immigration purposes.
Private Healthcare
Private healthcare co-exists with the state healthcare system, acting as a supplement or alternative option for those seeking to avoid wait times or for those without access to state-funded healthcare (i.e. some expats). Most state employed physicians also work at private practices. All physicians at private healthcare clinics in Malta speak English.
Private practices in Malta include:
- St James Hospitals (Sliema, Zabbar, Zebbug. Burmarrad)
- St. Philip's Hospital (Santa Venera)
Fees at private practices in Malta are generally €50 per specialist visit (e.g. dermatologist, gynecologist) and €30-€40 per general practitioner visit. Insurance policies in Malta are available to cover visits to private clinics.
Update 25/05/2013
Expatriate health insurance in Malta
With so much to deal with before leaving your home country, (taxes, moving house, paperwork etc.) the careful planning of your expatriation to Valletta is an essential step. As far as healthcare is concerned, your local social security scheme won’t be accompanying you to your host country and, once abroad, you might be surprised by the care system you find in Malta So, before leaving, make sure you have appropriate cover!
Cigna is one of the world's biggest international insurers with more than 30 years' experience in providing global health insurance across 200 countries and territories. They have access to more than 1.65 million hospitals, physicians, clinics and specialists worldwide.
Cigna Global's flexible plans are specifically designed for expats and globally mobile individuals who move to Malta. All their plans can be tailored to your individual requirements in Malta, always finding the right healthcare solution, whatever the situation and budget.
Getting a health insurance quote
Create your perfect plan with Cigna and combine the reassurance of comprehensive inpatient cover with the flexibility of optional extra benefits.
Click on the button to access the online tool and get a quote in 2 minutes.