Malta Golden Visa Programmes Health Insurance

Tailor-made plans for applicants of the Malta Residence and Visa Programme (MRVP) or Malta Permanent Residence Programme (MPRP) in Malta.

MPRP Bronze

Starting from $390

Plan Overview

This Health policy gives you limited cover for the reasonable costs of recognised treatment, which is medically necessary for acute medical conditions and injuries as either an outpatient or inpatient, both in the country of residence and around the world.

Main Benefits

Worldwide Cover
Limited Cover for Hospitalisation & Surgical Procedures
Limited Cover for Cancer Treatment
Limited Cover for Out-Patient GP & Specialist Consultations and Tests
Limited Cover for CT and MRI Scans

Its Aims

In-Patient and Day-Care Treatment

Private Clinic/Hospital accomodation and nursing up to € 175 per night up to 4 nights per episode
Day-patient Hospital charges up to €125 per episode
Operating theatre charges, drugs, dressings and surgical applicances used for an operation up to € 300 (major), €175 (intermediate), € 125 (minor)
Surgeon’s & Anaesthetist’s charges including postoperative care up to: Surgeon - € 600 (major), € 250 (intermediate), € 125 (minor); Anaesthetist - € 200 (major), € 100 (intermediate), € 75 (minor) - by classification of procedure
Physician’s charges up to € 35 per day
Road ambulance charges up to € 175
Specialist consultations, physiotherapy, pathology, radiology up to € 175

Additional Benefits

Cash benefit for In-Patient Treatment received free of charge up to € 20 per night for the first 30 nights, € 15 per night for the next 30 nights and for children up to € 10 per night up to 30 nights

Cancer Treatment

General Practitioner charges up to € 75 per year
Out-Patient specialist consultations, pathology, radiology, ECG and physiotherapy up to € 200 per year
CT and MRI Scans referred by a Specialist up to € 200 per scan.

What is NOT insured?

Policy excess if applicable
Waiting Periods
Claims which are received 3 months after the date of treatment
Cosmetic Treatment
Experimental or unproven Treatment
Pre-existing medical conditions (unless you form part of a group which has these included in the cover)
Congenital Abnormalities and developmental problems in children whether physical or psychological, speech disorders or learning difficulties
Pregnancy or childbirth, unless there is a complication
Any type of contraception, sterilisation, termination of pregnancy, infertility and/or any form of assisted reproduction, and treatment of sexual problems, including impotence, sex changes or treatment for, or arising from, any of the above.

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Plan Comparison Chart

Benefits

MPRP Bronze Plan

MPRP Silver Plan

MPRP Gold Plan

Area of Cover

European Union

Worldwide excl. USA & Canada

(USA & Canada covered for emergencies only, up to €50,000 - vide Section 7)

Overall Maximum Limit per Year

€50,000

€500,000

€750,000

In-Patient and Day-Care Treatment

Accommodation and Ancillary charges, including amongst others: medicines, consumables (including dressings), food and nursing

Full Refund of Reasonable Charges

Rehabilitation Centre Costs for Rehabilitation on recommendation of a Specialist, following a surgical intervention

Full Refund of Reasonable Charges

Parent Accommodation - staying with a child under the age of 16

Full Refund of Reasonable Charges

Operating theatre charges, drugs, dressings and surgical appliances including prosthesis

Full Refund of Reasonable Charges

Surgeon’s and Anaesthetist’s charges

Full Refund of Reasonable Charges

Consulting Physician’s Charges for daily visits, Pathology, Radiology (including CT and MRI Scans), Diagnostic Tests & Physiotherapy

Full Refund of Reasonable Charges

Pregnancy and Childbirth Complications - we will pay for the cost incurred due to complications only

Full Refund of Reasonable Charges

Treatment of Psychiatric illnesses (subject to a 12 month Moratorium from date of joining)

Full Refund of Reasonable Charges

Road Ambulance charges

Full Refund of Reasonable Charges

Treatment of Psychiatric illnesses (subject to a 12 month Moratorium from date of joining)

Full Refund of Reasonable Charges

Cancer Treatment

Consultant Oncologist fees for all the active phase of the cancer treatment and hospital charges for cancer tests and drugs, including chemotherapy and radiotherapy for each course of treatment

Full Refund of Reasonable Charges

Oncology-related CT Scans, MRI’s and PET Scans

Full Refund of Reasonable Charges

Out-Patient General Practitioner charges, professional fees for Specialist consultations, and out-patient diagnostic tests and procedures. Physiotherapy limited to 15 sessions per treatment.

Full Refund of Reasonable Charges up to €1,000 per year

Full Refund of Reasonable Charges up to €3,500 per year

Full Refund of Reasonable Charges up to €5,000 per year

Out-Patient Alternative Therapy including osteopathy, homeopathy, acupuncture and chiropractic treatment provided by qualified practitioners. Limited to 10 sessions per treatment.

Full Refund of Reasonable Charges up to €1,000 per year

Full Refund of Reasonable Charges up to €3,500 per year

Full Refund of Reasonable Charges up to €5,000 per year

Out-Patient CT, MRI and PET Scans referred by a Specialist

Up to €1,000 per year

Full Refund of Reasonable Charges

Prescribed drugs and dressings

Up to €125 per year

Up to €250 per year

Up to €500 per year

Home Nursing charges by a professional nurse following a surgical intervention by a Specialist, on recommendation of a Specialist

Up to €300 per week; up to 26 weeks per year

Up to €350 per week; up to 26 weeks per year

Up to €700 per week; up to 26 weeks per year

Out-Patient Psychiatric Care (subject to a 12 month Moratorium from date of joining)

Not Covered

Up to €250 per year

Up to €500 per year

Vaccinations and their administration by a medical practitioner or nurse

Not Covered

Up to €250 per year

Preventive and Routine Care

Annual Preventive Dental Treatment (including check-ups, x-rays, scaling & polishing)

Not Covered

Up to €100 per year

Annual Routine Eyesight Testing, incouding cost of Prescription Glasses

Not Covered

Up to €150 per year

Annual Skin Cancer Screening

Not Covered

Up to €100 per year

Annual Mammogram/Breast Ultrasound (Female Members aged 40+)

Not Covered

Up to €100 per year

Annual Prostate Examination (Male Members aged 40+)

Not Covered

Up to €100 per year

Annual Blood Tests including Lipid Profile, Liver Function, Fasting Glucose, Complete Blood Count (Members aged 40+)

Not Covered

Up to €100 per year

Annual Bone Density Scan (Members aged 40+)

Not Covered

Up to €100 per year

Dental Treatment

75% of routine treatment (incl. fillings, extractions and root canal therapy)

Not Covered

Up to €1,000 per year

50% of major restorative or orthodontic treatment (incl. crowns, bridges or orthodontic treatment of over-bite or under-bite)

Not Covered

Up to €1,000 per year

Emergency Dental Treatment necessary to restore or replace sound natural teeth loost or damaged as a result of an accident (initial treatment only)

Not Covered

Up to €750 per year

Up to €2,500 per year

Pregnancy Cover - Subject to 12 month Moratorium from date of joining

Pregnancy Cover - covers female insured members for Out-Patient consultations, examinations and tests relating to pregnancy, and In-Patient charges relating to childbirth

Not Covered

Up to €500 per pregnancy

Up to €5,000 per pregnancy

Emergency Treatment & Assistance

Emergency In-Patient or Day-Care Treatment for a life-threatening acute medical condition which arises suddenly whilst you are traveling in the USA or Canada

Not Covered

Up to €50,000

Emergency Out-Patient Treatment for an acute medical condition which arises suddenly whilst you are traveling in the USA or Canada

Not Covered

Up to €1,500

International Emergency Medical Cover (Repatriation; Evacuation and Mortal Remains)

Full Refund of Reasonable Charges within the Area of Cover

Cover for Newly-Diagnosed (i.e. diagnosed after date of joining) Chronic Medical Conditions - Subject to a 12 month Moratorium from date of joining

Routine Follow-Up Consultations or In-Patient Treatment of newly-diagnosed Chronic Medical Condition. In-Patient Treatment limited to 14 days per year.

Not Covered

Up to €2,500 per year

Kidney Dialysis for newly-diagnosed Acute Kidney Failure

Not Covered

Up to €20,000 for your lifetime

Additional Benefits

Funeral Expenses

Not Covered

Up to €1,000 per year

Second Medical Opinion Service

Not Covered

Up to €1,000 per year

24/7 Emergency Assistance Call Centre

Not Covered

Up to €750 per year

Up to €2,500 per year

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Policy Documentation Downloads

Full Table of Benefits

Download our proposal form and full home insurance policy wording

Download

Policy Document

for policies taken up or renewed on or before 01/11/2023

Download

Insurance Product Information Document (IPID)

Download

Commonly Asked Questions

Find the answers to frequently asked questions here. For any other inquiry please click button below.

Malta Golden Visa Programmes Health Insurance

MPRP Bronze

Plan Comparison Chart

Policy Documentation Downloads

Full Table of Benefits

Policy Document

Insurance Product Information Document (IPID)

Commonly Asked Questions

What does Health insurance typically cover?

What does Health insurance typically cover?

What does Health insurance typically cover?

What does Health insurance typically cover?

What does Health insurance typically cover?