Understanding the Health System in Malta

Malta offers a robust system, with both public and private healthcare sectors. The public healthcare system is free for all Maltese residents, including expats, but many opt for private health insurance to access private facilities and reduce wait times.

Health Insurance Companies in Malta

Some of the most popular health insurers in Malta are Atlas Health Insurance, AXA PPP Healthcare, and GasanMamo Insurance. These companies offer a range of policies that cater to different needs and budgets. Expats are eligible to purchase health insurance from these companies, provided they meet the respective company's eligibility criteria. Atlas is known for its flexible plans, AXA offers international coverage, and GasanMamo is renowned for its local customer service.

Expat Health Insurance in Malta

Some expats living in Malta opt for specialized expat health insurance plans. These plans often provide comprehensive coverage, including medical evacuation and repatriation benefits, which can be reassuring for those living far from their home countries. Additionally, these plans may offer more flexibility and broader international coverage, making them suitable for frequent travelers or digital nomads.

Local Health Insurance vs. Expat Health Insurance

The choice between local health insurance and specialized expat health insurance depends on individual preferences and circumstances. Expats and digital nomads may choose local insurers for their competitive pricing and local knowledge. However, others might prefer specialized expat health insurance providers for their global coverage, flexibility, and additional benefits tailored to the expat lifestyle.

Considerations When Choosing Health Insurance Overseas

When deciding on health insurance while living overseas, it's essential to consider factors such as the extent of coverage, deductibles, and policy limits. Additionally, understand the claims process: some insurers may pay the hospital directly, while others require you to pay upfront and submit claims for reimbursement. Also, consider whether the policy covers pre-existing conditions, includes dental and vision care, and offers emergency evacuation and repatriation benefits.

Insider Tips from Expats in Malta: How to Navigate the Health System

"Malta offers a comprehensive range of healthcare services, including primary care, specialist care, hospital care, and mental health services. The public healthcare system is funded by the government and is free for all Maltese citizens and permanent residents. The quality of public healthcare is generally good, with modern facilities and well-trained staff. Foreign residents are also eligible for free public healthcare, provided they have a valid residence permit. Expats in Malta can use the public healthcare system by registering with the Department of Health and obtaining a health card. This card allows them to access the same services as Maltese citizens, including free doctor visits and hospital care," commented one member living in Malta.

"Emergency services in Malta are generally reliable and efficient. In the event of an emergency, the Maltese public can call 112 for an ambulance. This number is free of charge and is available 24 hours a day, 7 days a week. The Maltese ambulance service is well-equipped and staffed with experienced medical personnel. In addition, the Maltese government has invested in a fleet of helicopters to provide emergency medical services in remote areas," commented one member living in Malta.