Your health insurance partner in Malta
PostaInsure has been one of the major players in the Maltese health insurance market for many years.
Protecting your health and well-being in Malta
Summary.
In today’s fast-evolving healthcare landscape – shaped by rapid advancements in medical practices and technology – individuals, families, and businesses face increasingly complex health risks.
At PostaInsure Agency, we provide a wide range of flexible health insurance solutions at competitive rates, covering medical treatment both in Malta and Internationally. Our plans cater to individuals as well as companies of all sizes, offering reliable protection for every need.
We also offer immediate cover under the Europa Scheme, specifically designed for third-country nationals applying for a residence and work permit.
By choosing health insurance you can avoid long waited times, skip unnecessary queues, and take a proactive step toward safeguarding your well-being and peace of mind – today and for the future.
Benefit Summary.
| Benefit | Basic | Hospital | International | Europa |
| In-Patient & day-case treatment | √ | √ | √ | √ |
| Cancer treatment | √ | √ | √ | √ |
| Out-patient treatment | √ | √ | √ | √ |
| Mental health (In-Patient & Out-Patient) | √ | √ | √ | √ |
| Emergency local ambulance | √ | √ | √ | √ |
| Home nursing | √ | √ | √ | X |
| Emergency dental (accident) | X | √ | √ | √ |
| Cash Benefit (In-Patient & day-case) | √ | √ | √ | X |
| Maternity cash benefit (available only with ticked In- & Out-Patient schemes) | X | √ | √ | X |
| Prescribed drugs – post surgery (available only with ticked In- & Out-Patient schemes) | X | √ | √ | X |
| Funeral expenses | √ | √ | √ | √ |
| International emergency assistance | X | X | √ | X |
| Return airfares – Europe (available only with ticked In- & Out-Patient schemes) | X | X | √ | X |
| Hotel stay – Europe (available only with ticked In- & Out-Patient schemes) | X | X | √ | X |
| Emergency treatment in USA & Canada | X | X | √ | X |
| Evacuation & repatriation | X | X | √ | X |
| Second medical opinion | (Optional) | √ | √ | X |
| Preventive care (available only with In- & Out-Patients schemes | (Optional) | (Optional) | (Optional) | X |
| Dental care (available only with In- & Out-Patients schemes | (Optional) | (Optional) | (Optional) | X |
| Loss of Income (available only with ticked In- & Out-Patient schemes | X | (Optional) | √ | X |
Benefits
Standard Benefits
- In-patient & day-case treatment requiring hospital admission (overnight or same-day discharge), including accommodation, surgery, drugs, and specialist care.
- Cancer treatment including oncologist consultations, chemotherapy, radiotherapy, and related scans.
- Out-patient treatment consultations, diagnostics, and minor procedures not requiring hospital admission.
- Mental health (In-patient & Out-patient) hospitalisation or out-patient treatment.
- Emergency local ambulance medically necessary road transport to the nearest facility for in-patient or day-case treatment.
- Home nursing prescribed by a specialist following hospitalisation.
- Emergency dental (accident) treatment to restore or replace natural teeth lost/damaged due to trauma.
- Cash benefit payable per night or day-case surgical admission when treatment is received as a non-paying patient in a public hospital.
- Maternity cash benefit payable one-time payment per pregnancy, to the mother. Waiting period of 10 months applies.
- Prescribed drugs needed immediately following surgery.
- Funeral expenses paid upon death of the insured to the heirs of the deceased.
- International emergency assistance overseas (excluding USA/Canada), including coordination and advice.
- Return airfares from Malta to Europe if hospitalised for 7 + nights.
- Hotel accommodation when receiving out-patient treatment in Europe.
- Evacuation & repatriation for return to Malta or home country, and repatriation of mortal remains.
Frequently asked questions
The aim of this policy is to ensure coverage for any medically necessary surgical or medical services, including consultations, diagnostic tests, or investigations required to diagnose, alleviate, or treat a disease, illness, or injury.
Treatment may be provided as an inpatient, day patient, or outpatient, depending on the scheme you select.
The complete terms and conditions, along with the Table of Benefits for your chosen scheme, are outlined in the Health Policy.
The scope of coverage depends on the scheme you select, as detailed in the Table of Benefits:
Basic Scheme: Provides worldwide treatment coverage.
Europa Scheme: Covers treatment in Malta with full reimbursement up to the maximum payable fees. Treatment in Europe is covered if the same or similar treatment is unavailable in any hospital in Malta.
Hospital Scheme: Covers treatment in Malta with full reimbursement up to the maximum payable fees and offers limited coverage worldwide.
International Scheme: Offers worldwide treatment coverage with full reimbursement up to the maximum payable fees. In the USA and Canada, coverage is limited to emergency treatment only.
For group policyholders, the list of benefits and coverage limits may differ from those provided on this website. Please refer to the Table of Benefits provided by your group administrator for precise details.
You may include your spouse, partner, and children on your policy by providing their details on the application form. Premiums are calculated individually based on each person's age and chosen level of coverage.
Parents and siblings are not considered dependents and will require separate quotations.
As the policyholder, you can add a newborn child to your policy free of charge until the policy's expiry date. To do so, you must submit a copy of the birth certificate within three months of the child’s birth.
For group policyholders, if the inclusion of dependents is permitted, this must be arranged through your group administrator.
Premium payments are required in full at the start of the policy period, covering the entire year, regardless of your selected payment frequency.
From the second year of coverage, you may opt for half-yearly, quarterly, or monthly installment payments. These will incur installment charges, calculated as a percentage of your annual premium.
All installment payments must be set up via direct debit.
Your coverage begins from the policy start date specified in your Schedule, provided the premium has been paid.
Certain conditions are subject to a waiting period, as outlined in the Health Policy and Table of Benefits. This means medical expenses for these conditions or procedures will only be covered after the designated waiting period has been completed.
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