Which health insurance in Malta?

blackcatsrunfast Member

Member since 07 February 2022

blackcatsrunfastMember25 November 2022 20:35:56

Hello people,

In January I will move from Belgium to Malta.

I will no longer have health insurance from Belgium.

In Malta I won鈥檛 work nor will I be retired, so no entitlement of any kind to the Malta National Health Service.

I will have to purchase my own health insurance.

I took a look first at insurances for expats but it鈥檚 like 3600 鈧� a year.

I have a quote from Atlas Insurance in Malta, the private hospital plan and it鈥檚 only 1113 鈧�.

Apart from the fact I will be insured only in Malta, and I鈥檓 fine with that, what鈥檚 the catch?

lambada Serial expat

Member since 17 September 2012

lambadaSerial expat25 November 2022 22:57:06

295

The catch could be in the scope of cover i.e what is and isn't covered and/or in the limits. Compare the scheme you're considering with the next one up and see what the differences are. Also, keep in mind that certain types of procedures can only be done at the public hospital and I don't know if it would be possible for you or your insurer to pay to use the public hospital should the need arise.

blackcatsrunfast Member

Member since 07 February 2022

blackcatsrunfastMember28 November 2022 17:43:14

@lambada

Ok ty.

Yeah afaik it seems in Malta local health insurance in-patient treatment coverage isn鈥檛 the same depending if the care is provided in a supporting hospital or not.