Is Health Insurance Required When Moving to Malta?

Moving to Malta as an expat or digital nomad comes with the excitement of embracing a new culture and the stunning Mediterranean lifestyle. However, it's crucial to consider practicalities such as health insurance. Malta has a public healthcare system that provides high-quality care, but newcomers are not immediately eligible for this service upon arrival. Health insurance is not only a safety net but often a requirement for obtaining residency. The Maltese authorities typically require proof of health insurance with minimum coverage amounts that can vary depending on the type of residency permit you are applying for. The insurance should cover you for the entire length of your stay or until you are eligible to access the public healthcare system. It's important to ensure that your health insurance plan meets the specific requirements set by the Maltese government to avoid any complications with your residency application.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the requirements of various countries for residency purposes. However, it's essential to verify that the plan you choose is acceptable in Malta. The insurance should cover a range of medical services, including hospitalization, emergency treatments, and possibly repatriation. It's advisable to contact the Maltese embassy or consulate in your home country or the Identity Malta Agency to confirm the specific requirements for health insurance coverage. Additionally, ensure that your insurance provider can issue a certificate or letter confirming that your policy complies with Maltese regulations.

Which local health insurers offer this type of insurance?

In Malta, there are several reputable local health insurers that offer plans tailored to meet the needs of expats and digital nomads. These companies understand the local healthcare system and can provide policies that will satisfy residency requirements. Some of the well-known insurers include Atlas Healthcare, Laferla, and GasanMamo. These insurers offer a range of products from basic to comprehensive coverage, ensuring that there is a policy to suit different needs and budgets. It's recommended to compare plans and read the fine print to understand what is covered, the policy limits, and any exclusions that may apply.

Advice from Expats in Malta about Health Insurance

Experienced expats in Malta often emphasize the importance of obtaining a health insurance policy that provides extensive coverage. They advise newcomers to look for plans that offer direct settlement with hospitals and clinics to avoid out-of-pocket payments during emergencies. It's also recommended to choose a policy with a straightforward claims process and to check for any waiting periods for certain treatments. Expats suggest prioritizing insurers with a good reputation for customer service and support, as navigating health issues in a new country can be daunting. Lastly, consider the geographical coverage of your policy, especially if you plan to travel frequently, to ensure you are protected across the EU or globally.