Standard Health Insurance Plans
Plans designed for Maltese-resident individuals and families without specific needs under a residence permit or residence programme.
Available plans under our standard health insurance:
Bronze Plan
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 appliances 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
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 up to € 200 per course of treatment
Oncology Related CT, MRI and PET Scans up to € 400 per year
Outpatient 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.
Please refer to the IPID & Policy Wording for a full description of cover and exclusions.
