Guide

International Health Insurance for Malta Comparison

As an enchanting Mediterranean hub, Malta not only captivates hearts with its picturesque landscapes but also remains a magnet for expatriates from around the globe, including those journeying from Germany. Its vibrant culture, salubrious climate, and economic prospects offer a unique allure to those relocating for business or the golden years of retirement. Amid this influx, one quintessential facet of settling in is securing Malta health insurance for expats

Get quote

Book a meeting

International Health Insurance for Malta Comparison

We are proud of our high level of customer satisfaction

Known from

By André Disselkamp

Co-Founder, Insurancy

Updated: 06.11.2024

Key Takeaways

Expatriates and travelers from Germany must consider private health insurance plans for Malta for comprehensive coverage.
Now Health International provides a spectrum of healthcare plans tailored to various needs and budgets.
The Maltese healthcare system is highly regarded, with exceptional facilities like Mater Dei Hospital underlining its quality.
Plans including WorldCare Essential ensure significant coverage for in-patient and out-patient care starting from a practical monthly rate.
Private international health plans Malta are not just an investment in health but also in the tranquility that comes with knowing medical needs are covered.
Detailed research into the terms and benefits of various plans, including potential exclusions and waiting periods, is critical.
Exploring the array of options, from basic to premium plans, allows expats to make an informed decision based on their individual healthcare requirements.

Understanding the Maltese Healthcare System

Delving into the healthcare environment in Malta reveals a robust, dual-structure framework that effectively caters to both locals and expatriates. Balancing between the efficiencies of the public healthcare system Malta and the personalized features of private health plans Malta, the nation has established a model worthy of its high standing in global healthcare rankings.

Public vs Private Healthcare in Malta

The public healthcare system Malta stands out courtesy of its universal accessibility, where services ranging from preventive to palliative care are subsidized through general taxation and Malta social insurance contributions. Institutions like Mater Dei Hospital exemplify this segment’s dedication to extensive health services. Conversely, the private sector, represented by entities like St. Thomas Hospital, offers expedited and specialized care, crucial for those seeking immediate and focused treatment. Noteworthy is the synergy between both sectors, ensuring that the continuum of care remains unhampered regardless of financial standing.

Despite the robust public system, non-EU residents, including participants in the Malta Permanent Residence Programme and digital nomads, find having private health plans Malta mandatory. This requirement is reflective of the expatriate health insurance requirements in Malta, aiming to maintain healthcare service excellence without burdening the public sector.

Health Insurance Requirements for Expats

Expatriates planning to reside in Malta must navigate through specific insurance prerequisites. Central to these is the necessity of contributing to the Malta social insurance system, where about 10% of one’s gross salary is directed towards national insurance. This contribution entitles expats to access the public healthcare services, albeit expat healthcare Malta advisories recommend procuring private expatriate health insurance to circumvent potential waiting times and limited service scopes in public facilities.

Healthcare Aspect	Public System	Private System
Funding Source	Taxation and social contributions	Private payments and insurance
Facilities	Mater Dei Hospital, General Hospital in Gozo	St. Thomas Hospital, numerous private clinics
Service Speed	Longer waits for non-emergency services	Quick access to specialists and treatments
Care Quality	Comprehensive, universally accessible	Highly personalized, modern amenities

This clear distinction between the public healthcare system Malta and private health plans Malta assists potential expatriates in making informed decisions necessary for safeguarding their health while in Malta, aligning with the stringent yet beneficial expatriate health insurance requirements.

Find the best International Health Insurance.

We scan the entire market of international health insurance providers and support you with our expert knowledge.

Get quote

+ many other insurance providers

Now Health International Insurance Plans

Expatriates and international residents from Germany seeking reliable international health insurance from Germany to Malta will find comprehensive solutions with Now Health International. The diverse range of WorldCare Malta health plans and SimpleCare medical insurance Malta products cater to different needs and budgets, ensuring access to top-tier medical care.

Plan Type	Coverage	Monthly Cost Starting From
WorldCare Essential	In-patient, Out-patient, Dental, Maternity	EUR 26
SimpleCare	Emergency Treatment	Cost-efficient option

The WorldCare Malta health plans are structured to support not just basic medical needs but also comprehensive demands including maternity and dental cares. This flexibility makes Now Health Malta insurance a preferred choice for many expatriates and residents. Additionally, the SimpleCare medical insurance Malta ensures essential health coverage, focusing on urgent and emergency medical services, which is crucial for financial and medical security in unforeseen circumstances.

Furthermore, the international health insurance from Germany to Malta provided by Now Health International stands out for its inclusivity and extensive network. With over 1 million medical facilities and expert healthcare providers worldwide, policyholders are assured of quality care wherever they are located. This extensive coverage is strictly regulated by authoritative bodies like Malta Financial Services Authority and other international regulators, ensuring top-notch service and reliability.

In providing these detailed international health plans, Now Health International secures a top position in catering to the healthcare needs of international communities, particularly those moving from Germany to Malta, making it an ideal option for those who prioritize health and well-being abroad.

Expert for international health insurance

Tailor-made international insurance: As an insurance broker, we offer customized insurance packages that meet the needs and budgets of our customers.
Independent advice and selection: We offer independent advice and can select from a wide range of insurance providers to find the best solutions for our clients.
Client-focused support: Our dedicated team is on hand to provide our clients with personal advice and support in selecting, managing and optimizing their insurance cover.
Many years of industry experience and expertise: Our many years of experience and expertise enable us to offer our clients sound advice and customized solutions based on a deep understanding of the insurance industry.
Innovative technology and digital services: We use innovative technology and digital platforms to provide our customers with convenient and transparent access to insurance information and services.

Get quote

Book a meeting

How to reach us

We advise you Monday to Friday from 8 a.m. to 6 p.m.

Or book a free web meeting

Calculation of all costs live and via screen sharing
Get to know us personally, live and in colour

Book a meeting

Comparing Coverage: Essential and Comprehensive Options

Choosing the right health insurance in Malta involves understanding the key differences between Malta basic health coverage and comprehensive health insurance Malta. For expatriates, it’s crucial to consider not only the coverage scope but also the flexibility of expat medical benefits Malta.

Feature	Local Health Insurance Plans	International Health Insurance Plans
Premium Calculation	Based on individual or family claims experience	Pool rated based on age group’s yearly treatments
Coverage Limitations	Stricter limits, potentially high out-of-pocket costs for special treatments	Broader coverage including rare and costly treatments
Renewal Age Cap	Typically 65-70 years	Lifetime renewal
Coverage Area	Only within the issuing country	Worldwide, excluding specific high-cost regions
Portability	Limited, often not available	Highly portable, maintaining cover during international relocation

Expats seeking tailored health plans for Malta should consider the international plans offered by providers like Now Health International, which deliver significant advantages in terms of global mobility and comprehensive options. These plans are designed to ensure that expatriates receive the best possible medical care not only in Malta but across the globe.

International health insurance plans stand out especially for their ability to offer services like emergency medical evacuation and tele-medicine consultations—vital for those living away from their home countries. Understanding these nuances ensures that expatriates can select a health plan that best suits their lifestyle and medical needs while in Malta.

Exclusive Benefits of Choosing Private Health Insurance

When residing in Malta, individuals often seek the private health insurance benefits Malta offers, providing peace of mind with the assurance of excellent healthcare services. A key feature of such insurance is the premium direct access to medical specialists without the need for a general practitioner’s referral, expediting the process of receiving specialized care. For expatriates, this is crucial, as it not only offers immediate assistance but also ensures that one is always within reach of high-quality medical advice and treatment.

Direct Access to Specialists and Physicians

For individuals from Germany and other countries living in Malta, private health insurance grants them the liberty to access top-tier medical professionals. Companies like Bupa Malta go further to facilitate this; not only do they offer a vast network of specialists, but they also enable policyholders to obtain the same high level of service abroad as they would at home. This is one of the many global medical insurance advantages that makes such plans indispensable for international residents and travelers.

Global Mobility with International Plans

International healthcare mobility is an indispensable asset for many expatriates, which is why providers craft insurance plans to support a globally mobile lifestyle. Policies, like the Elite Global Health Plan, stand out with substantial coverage ceilings of up to EUR 2.4M and accommodate everything from maternity to mental health care. With almost 20% of Malta’s residents being expatriates, the market offers numerous choices, from Cigna Global Insurance to the competitively priced options of Now Health International. Opting for global medical coverage allows individuals to maintain one consistent health insurance policy, providing uninterrupted care, whether they are within the borders of Malta or anywhere across the globe.

FAQ

What should expats consider when looking for Malta health insurance options?

Expats should consider whether plans cover both in-patient and out-patient care, the annual coverage limit, options for direct access to specialists, and whether the plan is suited for international mobility, allowing for both local and global coverage. Malta international medical insurance should be compared to find the right health insurance plans for Malta that align with needs and budget.

How does the public healthcare system in Malta function, and what are its benefits for expats?

Malta’s universally accessible public healthcare offers comprehensive services to residents contributing to Malta’s social insurance. Its benefits include care at state-of-the-art facilities such as Mater Dei Hospital. However, expat health coverage in Malta through private health plans is recommended for more personalized care and to cover services that may be limited by the public system.

What are the essential health insurance requirements for expatriates living in Malta?

Expatriates must contribute to social insurance to access the public healthcare benefits in Malta. However, it is often advised for expats to obtain private expatriate health insurance to ensure broader coverage and mitigate any potential inefficiencies in the public healthcare outcomes. Private health plans in Malta offer a complementary solution with faster access and potentially broader service options.

Can you explain the differences between Now Health International’s WorldCare and SimpleCare insurance plans?

Now Health Malta insurance provides different levels of coverage to suit diverse needs. The WorldCare Malta health plans are comprehensive, offering everything from in-patient and out-patient care to dental and maternity services, while the SimpleCare medical insurance Malta plans provide more basic, essential care with an emphasis on emergency treatment. These plans are designed for international health insurance from Germany to Malta and ensure varying degrees of coverage and cost.

What are the primary benefits of comprehensive health insurance in Malta for expats?

Comprehensive health insurance in Malta provides expats with extensive medical benefits, including greater annual coverage limits, broader medical service options including maternity care and mental health treatments, and a higher level of healthcare convenience and flexibility. Expat medical benefits in Malta can be tailored through various plans to match individual and family healthcare needs and priorities.

What exclusive benefits do private health insurance plans offer in Malta?

Private health insurance in Malta offers a range of exclusive benefits, such as direct access to medical specialists without needing GP referrals, freedom of choice in healthcare providers, and comprehensive plans that extend coverage worldwide. This allows for global medical insurance advantages by offering consistent quality care whether you are in Malta or elsewhere, which is particularly valuable for expats and travelers from countries like Germany.

How does global mobility with international health plans benefit expats in Malta?

International healthcare mobility is a significant benefit for expats, allowing policyholders to receive medical treatment not just in Malta but around the world. This is ideal for individuals who travel frequently or might relocate, ensuring seamless transition of their healthcare coverage wherever they go. International plans from providers like Bupa Malta and Now Health International are designed to offer this level of global flexibility and peace of mind.

Get quote

Book a meeting