Retirement programme health insurance

Yes. The MRP rules require sickness insurance covering all risks across the whole of the EU, for you and your dependents. Our policy provides coverage for new conditions across the EU, including hospitalization, outpatient care, and repatriation, with a signed and stamped certificate for each insured person, ready immediately after signup.

Because the rules say so, and because the MRP lifestyle tends to involve it. You only need 90 days a year in Malta, so many beneficiaries split the year across Europe. A Malta-only policy leaves both the rule and the reality only partly covered.

If your plans change before your policy start date, you can cancel in one click from your Feather account and you'll be fully refunded automatically.

Your letter of intent gives you 12 months to complete the conditions, including insurance. Most applicants buy just before submitting their final documentation. You can set the coverage start date for any future date.

Yes. The MRP requires insurance for the applicant and every dependent, and your minimum tax rises by €500 per dependent. Each family member gets their own policy, managed from a single Feather account using the same email address at signup.

No. You can sign up before you complete your property arrangements. No Maltese ID card or local bank account required.

Mostly no. Public entitlement in Malta runs through social security contributions, which MRP holders don't make (employment isn't allowed). UK nationals have a reciprocal healthcare route, and some EU pensioners bring entitlements with them. Either way, the MRP still requires you to hold private EU-wide insurance as a condition of the status itself.

No, and that's by design. The MRP is a renewable special tax status. If you apply for long-term residence or citizenship, the 15% status ends. If permanence matters more to you than the tax rate, ask your advisor about Malta's other programs.

This Feather policy is valid for your first five years in Malta and renews each year. If you plan to stay beyond five years, get in touch before the end of year five and we'll help you transition to a policy designed for long-term residents.