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Top health insurance options for expats in Malta include well-known providers like AXA, Cigna, GeoBlue, VUMI, and Best Doctors. These companies offer comprehensive coverage that is ideal for expats who need private medical insurance while living in Malta.
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Public healthcare is available to all permanent residents in Malta, but expats must secure private insurance for full coverage. This article highlights the top nine health insurance providers for expats, with insights on each company’s offerings and how to choose the best plan for you and your family.
Learn more about the top 9 health insurance companies for expats in Malta who need or want private medical insurance. We’ll provide some information about some additional insurance providers worth considering in Malta and how to choose the best plan for you or your family.
Many of these high-quality insurance companies are also listed among the top ten insurance providers worldwide for expats.
Leading Health Insurance Options for Expats in Malta
The 9 best health insurance companies for expats in Malta are:
We’ll also provide some information about other health insurance companies in Malta for expats. You may also want to consider one of the following private international medical insurance companies:
Public health coverage is available to all citizens and permanent residents of Malta. For new expats in Malta, however, you’ll need to secure private health insurance, like the insurance provided by one of these reliable companies.
GeoBlue: Ideal for American Expats in Malta
American expats moving to Malta should consider a plan from GeoBlue. This insurance company boasts one of the largest global direct billing networks, provides covered telemedicine services, and an unlimited annual benefit limit to policyholders.
GeoBlue’s plans start at USD $412 monthly for comprehensive coverage for a 30-year-old female expat in Malta. The annual deductible on this specific plan is USD $10,000. Policyholders in Malta enjoy comprehensive benefits that include an optical exam and some coverage for contacts or glasses.
You can use the following table to compare plans from GeoBlue for expats in Malta to the other Insurance Providers on our top 9 list.
| GeoBlue Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through GeoBlue |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 3-month waiting period |
| Maternity Coverage | Available at renewal after 12 months |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Routine vaccines are covered, and there is a USD $500 limit for travel vaccinations. |
| Optical Coverage | Up to USD $250 with a 30% co-pay for an eye exam and contacts or glasses |
AXA Health Insurance: Comprehensive Coverage for Expats in Malta
AXA Health Insurance plans are worth considering for expats in Malta because AXA’s highest annual benefit limit is USD $8,000,000. Low-deductible plans with maternity coverage through AXA start at only $126 per month for a 30-year-old female in Malta.
AXA offers plans with $0 deductibles, and the highest deductible option is only $3,200 a year. When comparing premiums, make sure you consider the plan’s annual deductible. Having a lower deductible will reduce your spending at the point of care.
AXA’s options for annual deductibles on plans include:
- USD $3,200 per year
- USD $1,600 per year
- USD $400 per year
- USD $160 per year
- $0 per year
The following table will allow you to compare available benefits for Expats in Malta at a glance.
| AXA Health Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through AXA |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a high limit of $16,000 |
| Maternity Coverage | Available with an 18-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available including travel vaccinations |
| Optical Coverage | $160 limit for eye exam and glasses or contacts |
VUMI: Flexible Plans for Expats with Pre-Existing Conditions
VUMI is a successful expat health insurance provider in Malta because their 5 long-term insurance plans offer flexibility that can be customized to your individual needs. VUMI may cover your preexisting medical conditions, including HIV/AIDS. Maternity care only has a 12-month waiting period.
Below are some of the deductible options you’ll be able to choose from when covered by VUMI.
Inside the USA:
- USD $50,000 annual deductible plans
- USD $20,000 annual deductible plans
- USD $10,000 annual deductible plans
- USD $5,000 annual deductible plans
- USD $3,000 annual deductible plans
- USD $2,000 annual deductible plans
- USD $500 annual deductible plans
Outside the USA:
- USD $50,000 annual deductible plans
- USD $20,000 annual deductible plans
- USD $10,000 annual deductible plans
- USD $5,000 annual deductible plans
- USD $3,000 annual deductible plans
- USD $2,000 annual deductible plans
- USD $1,000 annual deductible plans
The following table displays the coverage availability for expats in Malta through VUMI.
| VUMI Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through VUMI |
| Inpatient & Outpatient Coverage | Partial to Full Coverage Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available |
| Maternity Coverage | Available with the Superior, Ultra, and Total plans |
| Coverage for Annual Health Checks | Partial to Full Coverage |
| Vaccination Coverage | Available |
| Optical Coverage | Optional coverage available |
Cigna: Affordable Health Insurance for Expats in Malta
Cigna’s Silver plan is a fantastic and affordable option for expats who don’t need maternity coverage while in Malta. And for expats who do, Cigna has more comprehensive plans. The Cigna Silver Plan starts at only USD $40 monthly for a 30-year-old female expat in Malta.
Cigna’s Silver plan, with a monthly premium of $94, offers basic coverage for inpatient care, emergency evacuation, repatriation, as well as dental coverage. The annual deductible is USD $10,000, and the annual benefit limit is USD $1,000,000.
Check out how Cigna compares to other companies in our top nine list using the following table.
| Cigna Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through Cigna |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on most plans |
| Dental Coverage | Available with waiting periods of 3, 12, or 18 months |
| Maternity Coverage | Available on Gold or Platinum Plans |
| Coverage for Annual Health Checks | Available, but some plans only cover annual exams for children 17 & under |
| Vaccination Coverage | Available, but travel vaccinations are excluded |
| Optical Coverage | Available with sub-limits |
IMG: International Coverage for Expats in Malta
IMG’s top-rated international health insurance plans offer flexibility when it comes to getting worldwide or regional coverage. The Bronze Global Medical Insurance plan for a 30-year-old female living in Malta for a year begins at USD $90 a month with a $10,000 deductible.
Expats in Malta can choose to be covered wherever they go or to exclude certain countries like the U.S., Japan, and others. All 4 IMG plans include prescription drug coverage.
Here are the annual plan limits for each of IMG’s expat health insurance packages:
- Bronze: $1,000,000
- Silver: $5,000,000
- Gold: $5,000,000
- Platinum: $8,000,000
The deductible options available with IMG global medical plans in Malta include:
- USD $25,000 annual deductible
- USD $10,000 annual deductible
- USD $5,000 annual deductible
- USD $2,500 annual deductible
- USD $1,000 annual deductible
- USD $500 annual deductible
- USD $250 annual deductible
Next is a chart that details some of the core benefits available in Malta for expatriates who get insured through IMG Global.
| IMG Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through IMG |
| Inpatient & Outpatient Coverage | Partial to full coverage is available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Optional add-on available |
| Maternity Coverage | Available with Platinum plan |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available |
| Optical Coverage | Optional add-on available |
Best Doctors Insurance: Access to Leading Global Medical Experts for Expats in Malta
Best Doctors Insurance is a Bermuda-based insurance company that is a popular choice with expats and locals alike in Latin America, the Caribbean, and Canada. With Best Doctors Insurance plans, members can have access to over 53,000 world-leading doctors in more than 450 specialties.
We have included some of their health insurance plans and their annual limits below:
- Medical Elite: USD $10,000,000 per year per insured
- Premier Plus: USD $7,000,000 per year per insured
- Premier Care: USD $7,000,000 per year per insured
- Global Care: USD $5,000,000 per year per insured
- Medical Care: USD $3,000,000 per year per insured
- Medical Select: USD $1,000,000 per year per insured
- Ultimate Care: USD $1,000,000 per year per insured
Here are some of the benefits of the MedicalCare™ plan through Best Doctors Insurance in Malta:
- Emergency room visits
- Maternity coverage with a 10-month waiting period and deductibles of $1000 or $2000
- Newborns are automatically included in the policy without underwriting if the mother has maternity coverage.
- Emergency dental coverage
- Outpatient doctor visits
- Emergency transportation coverage
Next is a chart that details some of the core benefits available in Malta for expatriates who get insured through Best Doctors Insurance.
| Best Doctor Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through Best Doctor |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available |
| Maternity Coverage | Available |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | May be available |
| Optical Coverage | Not Available |
David Shield/Passport Card: Low-Cost Insurance for Expats in Malta
Passport Card offers comprehensive insurance plans with low deductibles for expats in Malta. Monthly premiums start at USD $350 monthly for a 30-year-old female expat. Regional or worldwide coverage is available. Expats can save by only selecting the necessary coverage area.
Note that worldwide coverage through Passport Card still excludes the United States, but other insurance companies have options if you need health insurance coverage including the United States.
Passport Card’s low annual deductible options include
- USD $2,000 annually
- USD $1,000 annually
- USD $500 annually
- USD $250 annually
- USD $0 annually
See the table below for a quick snapshot of the coverage available through Passport Card for expats in Malta.
| Passport Card Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through Passport Card |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 3-6 month waiting period |
| Maternity Coverage | Available with a 16-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for children only, and travel vaccinations are excluded |
| Optical Coverage | Available with USD $400 for an eye exam and contacts or one pair of glasses |
Bupa: Global Health Coverage with Extensive Benefits for Expats in Malta
Bupa offers coverage for routine and travel vaccinations, 24/7 Global Virtual Care, and an extensive direct billing network for expats in Malta. Bupa policyholders enjoy high annual benefit limits for dental coverage with a co-pay.
Plans are available in Malta through IHI BUPA IHHP, Healthcare IHI BUPA ISM, and BUPA International Worldwide Health Options.
Annual benefit limits range from USD $2,000,000 to USD $4,400,000, and the following deductible amounts are available for plans through Bupa in Malta:
- USD $20,000 annual deductible
- USD $10,000 annual deductible
- USD $3,400 annual deductible
- USD $2,700 annual deductible
- USD $1,600 annual deductible
- USD $1,350 annual deductible
- USD $400 annual deductible
- USD $200 annual deductible
- USD $0 annual deductible
Bupa’s lowest-cost plan is an International WHO – IP plan with a deductible of USD $3,400 and a monthly premium of USD $132 for a 30-year-old female expat residing in Malta.
The following table displays the coverage highlights for Bupa’s expat health insurance plans in Malta.
| Bupa Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through Bupa |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on many plans |
| Dental Coverage | Available with a 24-month waiting period for orthodontic benefits |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for routine and travel vaccines |
| Optical Coverage | Available for routine eye exams and glasses and contacts with sub-limits |
Allianz Care: Premium Coverage Options for Expats in Malta
Allianz Care plans are available for expats in Malta. Worldwide coverage, including or excluding the United States, is available for expats with this high-performing insurance company. Select plans offer annual benefit limits of up to USD $5,000,000.
Starting at a USD $75/monthly premium, Allianz Care’s Essential plan can cover a 30-year-old female living in Malta. The deductible for this payment option is USD $13,500.
Allianz Care provides its policyholders with an Expat Assistance Program and coverage for second medical opinions.
Here’s an overview of Allianz Care’s expat health insurance plans:
- The Allianz Care plan covers a semi-private hospital room, oncology, medical evacuation, nursing at home, rehabilitation, emergency outpatient care, and more.
- The Allianz Care Plus plan covers a private hospital room, which has the same benefits as the Care plan, as well as additional emergency dental care.
- The Allianz Care Pro plan increases the benefit limits from the Care Plus plan and adds coverage for preventative surgery and laser eye treatment.
Check out the options for coverage available through Allianz Care for expats in the table below.
| Allianz Care Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through Allianz Care |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available |
| Maternity Coverage | Available with a waiting period of 10 or 18 months |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available |
Additional Health Insurers Worth Considering in Malta
There are more than nine outstanding insurance companies for expat medical insurance in Malta. Compare and consider plans from A+ International and HealthCare International, too.
A+ International Insurance in Malta for Expats
A+ International Insurance offers basic expat health insurance coverage at a bargain price. Monthly premiums start at USD $87 for a 30-year-old female living in Malta. Co-pays are low: only USD $10 per visit.
To customize the plan, you can choose your annual benefit limit. Options include a limit of USD $200,000 or $400,000.
The following deductibles are available through A+ International Insurance:
- $0 annual deductible plans
- USD $250 annual deductible plans
- USD $500 annual deductible plans
- USD $1,000 annual deductible plans
- USD $5,000 annual deductible plans
The following table shows the plan benefits through A+ International Insurance for expats in Malta.
| A+ International Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through A+ International |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Unavailable |
| Maternity Coverage | Unavailable |
| Coverage for Annual Health Checks | Unavailable |
| Vaccination Coverage | Unavailable |
| Optical Coverage | Unavailable |
HealthCare International in Malta for Expats
HealthCare International offers plans with copays ranging from no co-pay to 30%, so expats in Malta can customize their plans in multiple ways. More comprehensive plans through Healthcare International also offer benefits for acupuncture and traditional Chinese Medicine.
Policyholders in Malta can choose one of the following annual benefit limits through HealthCare International:
- USD $1,500,000
- USD $2,000,000
- USD $2,500,000
The following table shows the plan benefits through Healthcare International for expats in Malta.
| HealthCare International Insurance Coverage Availability for Expats in Malta | |
| Benefit | Availability through HealthCare International |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 6-month waiting period |
| Maternity Coverage | Available with a 12 to 18-month waiting period |
| Coverage for Annual Health Checks | Available with a 12-month waiting period |
| Vaccination Coverage | Available, but travel vaccinations excluded |
| Optical Coverage | Coverage is available for glasses is available on some plans, but no coverage is available for eye exams. |
Choosing the Best Expat Health Insurance in Malta
Choosing the best expat health insurance in Malta can be time-consuming. Using a broker’s obligation-free quote generator can help you compare multiple quotes at once and review the coverage specifics.
This article only provided a quick overview of the coverage selections available for expats in Malta through the top nine insurance companies. Many more aspects of coverage impact treatments and premiums. Working with a broker can help manage this complexity.
Frequently Asked Questions
Do Americans get free healthcare in Malta?
American citizens who qualify as permanent residents in Malta can access Malta’s universal healthcare. Americans without permanent resident status will need private international medical insurance for coverage in Malta.
How much does health insurance in Malta cost for expats?
Comprehensive health insurance plan premiums start at USD $40 monthly for a 30-year-old female expat in Malta by Cigna. The age of the policyholder, the geographical coverage area, deductible, and annual benefit limits are aspects that affect the cost of expat health insurance in Malta.
Can you use US health insurance while in Malta?
US domestic health insurance plans will not cover you while traveling or living abroad, including travel to Malta. Secure travel insurance before visiting Malta because Medicaid, medicare, and other US plans will not cover you abroad.
Conclusion
AXA, Cigna, Best Doctor, VUMI, Allianz, Bupa, GeoBlue, David Shield, and IMG are the top nine expat health insurance companies in Malta.
Overwhelmed with shopping for health insurance abroad? Contact an insurance expert today for free and personalized help.
Are you still exploring places to live abroad? Check out the Top Insurance Companies in Italy or the Top Insurance Companies in the Bahamas.
Additional Resources for Living Abroad in Malta as an Expat
Additional resources for moving and living in Malta as an expat are available in these Pacific Prime blog posts:
- The Best Places for Expats to Live in Malta
- Jobs for American Expats in Malta
- Guide to Living Abroad in Malta with Cost of Living Information
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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