Malta — Healthcare: Private Insurance

Key facts

• Private insurance can cover additional healthcare services not provided by the public system, such as elective surgeries and specialist consultations.
• Some private insurance plans in Malta also offer additional benefits, such as dental and optical coverage.
• As of 1st August 2024, new applicants will require a health insurance policy as part of their healthcare requirements.

Steps

1. Choosing a Private Insurance Plan — Individuals can purchase private insurance plans directly from insurance companies or through employers. It is recommended to research and compare different plans to find one that suits their needs and budget.
2. Enrolling in a Private Insurance Plan — Once a plan is chosen, the individual must enroll and pay the premium. Some plans may require a medical check-up or other forms of underwriting.

Costs

• Annual Premium: varies by plan and provider
• Deductible: varies by plan

Timelines

• Time to Purchase a Plan: immediately, or during open enrollment periods

Required documents

• Proof of income or employment

Common mistakes

• Assuming private insurance is required for healthcare in Malta, when in fact the public system is generally sufficient.