Top 9 Health Insurance Companies for Expats in Malta

Top health insurance options for expats in Malta include well-known providers like AXA, Cigna, Blue Cross Blue Shield Global Solutions, VUMI, and Best Doctors. These companies offer comprehensive coverage that is ideal for expats who need private medical insurance while living in Malta.

While Malta provides public healthcare to permanent residents, most expats rely on private health insurance coverage for broader benefits and greater flexibility. This guide compares the top health insurance providers in Malta and outlines how to choose the right plan for you and your family.

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Leading Health Insurance Options for Expats in Malta

The 9 best health insurance companies for expats in Malta are:

1. Blue Cross Blue Shield Global Solutions
2. AXA
3. VUMI
4. Cigna
5. IMG
6. Best Doctors Insurance
7. PassportCard
8. Bupa
9. Allianz Care

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:

• A+ International Insurance
• HealthCare International

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.

Blue Cross Blue Shield Global Solutions for American Expats in Malta

American expats moving to Malta should consider a plan from Blue Cross Blue Shield Global Solutions. This insurance company boasts one of the largest global direct billing networks, provides covered telemedicine services, and offers an unlimited annual benefit limit to policyholders.

You can use the following table to compare plans from Blue Cross Blue Shield Global Solutions for expats in Malta to the other Insurance Providers on our top 9 list.

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 (EUR €7,148,000).

AXA offers five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. Each is designed to meet expats’ varying needs.

AXA Annual Plan Limits by Tier:

• Foundation: USD $160,000 (EUR €142,960)
• Standard: USD $1,600,000 (EUR €1,429,600)
• Comprehensive: USD $2,400,000 (EUR €2,144,400)
• Prestige: USD $3,200,000 (EUR €2,859,200)
• Prestige Plus: USD $8,000,000 (EUR €7,148,000)

The following table will allow you to compare AXA’s available benefits for expats in Malta at a glance.

VUMI: Flexible Plans for Expats with Pre-Existing Conditions

VUMI is a successful expat health insurance provider in Malta because its 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.

The following table displays the coverage availability for expats in Malta through VUMI.

Cigna: Affordable Health Insurance for Expats in Malta

Cigna is a well-established health insurance option for expats in Portugal, known for its dependable service and extensive global provider network. Worldwide coverage is available through the three main plans: Silver, Gold, and Platinum. 

Check out how Cigna compares to other companies in our top nine list using the following table.

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. Expats in Malta can choose to be covered wherever they go or to exclude certain countries like the U.S., Japan, and others. 

Here are the annual plan limits for each of IMG’s expat health insurance packages:

1. Global Medical Bronze: USD $1,000,000 (EUR €893,500)
2. Global Medical Silver: USD $5,000,000 (EUR €4,467,500)
3. Global Medical Gold: USD $5,000,000 (EUR €4,467,500)
4. Global Medical Platinum: USD $8,000,000 (EUR €7,148,000)

Next is a chart that details some of the core benefits available in Malta for expatriates who get insured through IMG Global.

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 (EUR €8,935,000) per year per insured 
• Premier Plus: USD $7,000,000 (EUR €6,254,500) per year per insured 
• Premier Care: USD $7,000,000 (EUR €6,254,500) per year per insured 
• Global Care: USD $5,000,000 (EUR €4,467,500) per year per insured 
• Medical Care: USD $3,000,000 (EUR €2,680,500) per year per insured 
• Medical Select: USD $1,000,000 (EUR €893,500) per year per insured 
• Ultimate Care: USD $1,000,000 (EUR €893,500) per year per insured 

Here are some of the benefits of the Medical Care™ plan through Best Doctors Insurance in Malta:

• Emergency room visits
• Maternity coverage with a 10-month waiting period
• 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.

Our Top Insurance Recommendations for Europe

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted global network of hospitals and doctors
• 4 Core Insurance Plans

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• Lifetime Renewal Possibilities
• 24/7 Medical Help via Global Virtual Care
• Direct Billing Options

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PassportCard: Budget-Friendly Insurance for Expats in Malta

PassportCard offers comprehensive insurance plans for expats in Malta, while still being good for the budget. Expats also have the option of whether to include or exclude U.S. coverage to help manage their premiums. 

See the table below for a quick snapshot of the coverage available through PassportCard for expats in Malta.

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. Plan options include Major Medical, Select, Premier, and Elite. 

The following table displays the coverage highlights for Bupa’s expat health insurance plans in Malta.

Our Top Insurance Recommendations in Europe

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted global network of hospitals and doctors
• 4 Core Insurance Plans

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• Lifetime Renewal Possibilities
• 24/7 Medical Help via Global Virtual Care
• Direct Billing Options

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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 (EUR €4,467,500).

Expats are able to choose from the Allianz Care Base, Care Enhanced, and Care Signature, which provide their policyholders with comprehensive benefits and additional advantages such as an Expat Assistance Program and coverage for second medical opinions.

Check out the options for coverage available through Allianz Care for expats in the table below.

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 with a customizable annual benefit limit and deductibles. The table below shows the plan benefits through A+ International Insurance for expats in Malta.

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. 

The following table shows the plan benefits through Healthcare International for expats in Malta.

Choosing the Best Expat Health Insurance in Malta

Finding the right expat health insurance in Malta means comparing more than just price. Coverage limits, benefits, exclusions, and provider networks can vary widely between plans, so it’s important to review the details carefully to avoid gaps in protection.

While this guide highlights leading insurers and their options, the best plan will depend on your budget, healthcare needs, and area of coverage. Working with an experienced broker can make the process easier by helping you compare plans side by side and understand what’s actually covered.

With over 25 years of excellence in the industry, Pacific Prime offers free, no-obligation quotes and personalized advice to help you choose with confidence. Contact our team today to explore your options and find the right coverage for your move to Malta.

Frequently Asked Questions

Do Americans get free healthcare in Malta?

While American citizens who qualify as permanent residents can access Malta’s universal healthcare, most expats do not hold permanent resident status and therefore will need private international health insurance to access care and meet visa requirements.

How much does expat health insurance cost in Malta?

Costs vary based on age, coverage area, deductibles, and benefit limits. Basic international plans can start relatively low, while comprehensive plans with higher limits or U.S. coverage will cost more. Comparing quotes is the best way to estimate your premium.

Can you use U.S. health insurance while in Malta?

Domestic health insurance plans from the U.S. will not cover you while traveling or living abroad, including travel to Malta. Secure travel insurance before visiting Malta because Medicaid, Medicare, and other U.S. 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.

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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

• About
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Serena Fung

Head of Content at Pacific Prime

Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

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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