Malta Medical Insurance
The country has a subtropical Mediterranean climate, strongly influenced by the sea. The Islands have a very sunny climate with a daily average of five to six hours sunshine in mid-winter to more than 12 hours in the summer. Summers in Malta are hot, dry, and very sunny. Winters are mild, with the occasional short chilly period. Malta is home to best combination of coastlines and crisp blue waters; it is famous to the world over for its diving because of the rocky reefs, plentiful caves, and abundant marine life. The country has countless megaliths, medieval dungeons, atmospheric towns and villages and streets contain Renaissance cathedrals and Baroque palaces.
The healthcare system in Malta consists of both the public and private sectors. The country’s healthcare system has a good reputation and it is ranked as one of the best in the world. The State healthcare system is available free of charge to all Maltese citizens and registered long-term residents. The public healthcare system is funded by social security, to which all the employers and employees within the country make a weekly contribution. Dependents of employed family members are covered for public healthcare. The unemployed, pensioners, people on a long-term sickness benefit or women who are currently on maternity leave do not have to contribute to the healthcare fund.
People who are entitled to public healthcare in Malta can enjoy a full range of medical services in Government health centres and hospitals. Most medical services covered under the Maltese public option include specialist treatment, hospitalisation, prescriptions, pregnancy, childbirth, and rehabilitation.
If you are an EU national, in possession of a European Health Insurance Card (EHIC), you may be entitled to free healthcare in Malta. However, it is important to note that, depending on which EU member state you are a citizen of, some restrictions may apply towards the duration of your stay in Malta and the medical coverage you are entitled to receive within the country. It is recommended that you check with your local authority prior to travelling to Malta. If you are a non-EU national, and planning to travel to or stay in Malta for a longer period, it is strongly recommended that travellers/expats to purchase comprehensive travel or/and a Malta expat medical insurance plan. This will cover any overseas medical costs, including medical evacuation in the event of a serious illness or accident.
Doctors are the first point of contact of patients with the State healthcare system in Malta. Citizens will be treated by the doctor on duty at the time of their visit, and as such, they are not required to register with the doctor of their choice. State healthcare does not cover medical costs incurred in the private sector. People seeking public healthcare must therefore ensure that their doctor is contracted into the State scheme, or else, they will be responsible to pay for all the fees for services. Maltese citizens are responsible for their own prescription medicine unless they belong to one of the vulnerable groups in the country; such as, the low-income earners, pregnant women, people with chronic illness and the unemployed.
Private healthcare co-exists with State healthcare in Malta, and patients are responsible to pay for all the services rendered either from out-of-pocket payments or through private health insurance. Some Maltese residents who are entitled to public healthcare choose to purchase additional private health insurance on top of the basic State healthcare coverage to ensure that they are fully covered for a wider range of services, shorter waiting times, and a higher standard of care than that typically available from government sources.
Patients are primarily admitted to Maltese hospitals through a doctors’ referral or they may be directly admitted in the event of an emergency situation. The conditions in hospitals in Malta are generally good. Public hospitals provide a wide range of inpatient and outpatient treatments and care. There are many English speaking medical staff working in the hospitals and medical institutions throughout the country, therefore language barrier will not be a problem for many western nationals. In the unlikely event that the healthcare provider is unable to communicate in English, an interpreter or translator is normally stationed in the hospitals or clinics to facilitate communication between the patient and the medical staff.
In general, Malta has an excellent standard of State funded healthcare, and medical professionals are generally extremely well trained. However, there is a high turnover of doctors in Malta, one of the reasons being that they receive little training in general practice. Moreover, as is the case with any universal healthcare system, there are always long queuing times that can be a hassle during your trip. Should you desire to receive immediate treatment at a doctor or clinic of your choice, an expat medical insurance plan will be the optimal solution for you. This will give you a peace-of-mind knowing that medical costs will be covered quickly and efficiently in case of an accident or illness for yourself and your family while travelling to Malta.
Pacific Prime is a one-stop insurance brokerage service provider for you when travelling to Malta. We offer a wide range of policies to meet your individual needs, including benefits such as dental, maternity, inpatient, outpatient, specialist consultations, and many others. Contact our professional advisers today to enjoy full insurance protection such as an Health Insurance Plan for yourself and your family.