Do I need Health Insurance When Moving to Malta?

When planning a move to Malta as an expat or digital nomad, understanding the health insurance requirements is crucial. Malta operates a public system funded through social security contributions, but for newcomers seeking residency, having private health insurance is essential. This insurance should cover you until you become a resident and are enrolled in the public system. The required coverage typically includes a minimum of €30,000 for emergency hospital treatment and emergency repatriation. It is recommended that your policy covers the entire duration of your intended stay or at least the period until you obtain residency.

Does Expat Health Insurance Meet the Requirements?

Expat health insurance plans often meet the requirements set by Maltese authorities. However, it is crucial to check that your specific policy includes the minimum coverage amounts and covers the necessary duration. Ensure that emergency hospital treatment and emergency repatriation are explicitly mentioned in your policy. It is always a good idea to consult with your insurance provider to confirm that their coverage meets Malta's requirements.

Which Local Health Insurers Offer This Type of Insurance?

Several local health insurers in Malta offer plans that cater to expats and digital nomads. Some of the prominent providers include Atlas Healthcare, GasanMamo Insurance, and Middlesea Insurance. These companies provide a range of health insurance options that can meet the requirements for newcomers seeking residency. Their plans often include the necessary coverage for emergency hospital treatment and emergency repatriation, with varying levels of additional benefits to suit different needs and budgets.

Advice from Expats in Malta about Health Insurance

Expats in Malta often advise newcomers to carefully review their health insurance options before arrival. It is recommended to choose a plan that not only meets the minimum requirements but also offers comprehensive coverage tailored to your specific needs. Pay attention to details such as deductibles, co-payments, and exclusions. Additionally, consider insurers that have a strong reputation and positive reviews from other expats. Some expats also suggest opting for insurers with a robust network of healthcare providers in Malta to ensure easy access to medical services when needed.