Private expat health insurance in Malta

You are usually eligible if you are moving to Malta or have recently arrived and need private health insurance for a visa or residence permit. This includes non-EU workers, digital nomads, self-sufficient EU citizens, students, and short-term residents. However, it’s not a long-term solution. There’s a maximum term limit of five years.

If you are self-employed or working remotely in Malta without a local employer, private health insurance is typically required when registering as a resident. This policy helps meet Malta’s residency and health insurance requirements.

Yes, this policy meets the legal requirements for getting your first visa or residence permit in Malta and qualifies as your proof of health insurance. However, it may not meet the requirements to renew your visa or residence permit. If you need help getting health insurance to renew your visa or residence permit, reach out to us. We can talk you through your options after having expat insurance.

Immediately. Your policy documents will be waiting for you in your Feather account after you finish signing up. You can use these documents as proof of health insurance for your visa or residence permit application.

Expat health insurance has a maximum term limit of five years. This five-year term starts on the first day you arrive in Malta. For example, if you moved to Malta on the 1st of January 2020 but signed up for Expat Insurance on the 2nd of June 2021, you can only remain on the policy until the 1st of January 2025.

If you purchase a policy and the policy becomes active within 14 days of purchase, then you have 14 days to cancel your policy from the date of purchase and receive a full refund (as long as no claims were made during this period). However, if you purchase a policy with a start date in the future (over 14 days), then you have any time before the policy becomes active to cancel it and receive a full refund. After this period, you can still cancel anytime! Whenever you cancel, you would then no longer be charged during the next monthly billing cycle.

Yes, you'll have to pay upfront. We suggest paying the doctor or clinic as soon as possible to avoid any late fees. Following that, submit photos of all invoices, receipts, and documents related to the incident in your Feather account to get reimbursed. The reimbursement will be made to you, not to the doctor.

Yes, dependents can be added to your plan. Please note that each dependent will have to have their own policy purchased, but we can add them all under one account for ease of access. To add a dependent, simply: 1. Sign up for expat insurance for yourself first (or for the person you want to be the main policyholder) 2. Once you sign up, log into your Feather account and click on your expat policy. 3. Click 'add dependents', then add the dependent. 4. The basic policy price for dependents under 18 years of age is the same (72 euros).

Yes, expat insurance will cover some dental treatment for new dental conditions requiring pain relief like simple fillings and cleanings. This treatment is covered for up to €500 per year Additional dental treatments like check-ups and teeth cleaning are not covered.

Yes. Private health insurance is mandatory in Malta for several expat categories, including non-EU workers, digital nomads, self-sufficient EU citizens, and many students. Authorities check proof of insurance during visa or residence permit applications.

Malta requires private health insurance that provides sufficient medical coverage, is valid for at least the duration of the residence permit, and clearly states coverage details in the policy documents. This is reviewed during residence permit and visa processing.

Non-EU nationals applying for a Maltese work and residence permit must hold private health insurance that meets Malta’s minimum medical coverage requirements, typically for at least the first year before they qualify for public healthcare.

Yes. Digital nomads must hold private health insurance covering the full duration of their stay in Malta. Short-term, cancellable, or purely travel-based insurance is often not accepted for the Digital Nomad Residence Permit.

Usually not. Travel insurance is designed for short stays and emergencies and often does not meet Malta’s residence permit requirements. Most permits require more comprehensive, year-long private health insurance with clearly defined medical coverage.