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Health Insurance

You cannot foresee what medical treatment you might require. Think ahead and protect yourself and your loved ones.  MAPFRE Middlesea’s Health policy ensures that you and your family benefit from any treatment you may need in a comfortable environment and that you are cared for in an optimal manner.   The MAPFRE Middlesea Health Insurance Schemes offer customers the freedom to choose the level of cover that best suits their individual requirements and budget. They are more accessible, easier to understand, more comprehensive and above all more flexible.


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Whichever scheme customers choose, it will enable them to access the best medical care at times and locations that suit them most, whilst offering peace of mind for them and their loved ones.

These schemes provide three levels of cover on an Inpatient and Outpatient basis as detailed below:

  • Basic Scheme
  • Hospital Scheme
  • International Scheme
Cover is Worldwide for the Basic and Hospital Schemes subject to the limits contained in the respective Tables of Benefits. Under the International Scheme cover is Worldwide excluding USA and Canada although there is a limit for cover in this territory for emergency treatment only.

In order to make its schemes more accessible to a wider section of the public, MAPFRE Middlesea p.l.c. has a number of cost-reducing options whereby the applicable premium may be significantly improved when In-patient cover only variations are selected. A new option under this type of cover is the International Inpatient Only Scheme which has been added to the already established:

• Basic Inpatient Only Scheme

• Hospital Inpatient Only Scheme


These two variations provide insurance protection for hospitalisation as an in-patient. By opting not to be covered for out-patient treatment and consultations, a person could still have the peace of mind that he/she is covered for expensive in-patient treatment costs.

Further flexibility is provided by allowing customers to introduce a voluntary excess of 10% or 20% and enjoy a further reduction in their premium.

We care for your health as if it were our own.  Kindly refer to the detailed brochure found under the downloadable documents.

Limited cover for routine visits for screening and monitoring which would usually not be covered under our standard policy. This can be purchased with all our Inpatient and Outpatient Schemes.

Limited Cover for Routine and restorative dental treatments such as scaling, polishing, x-rays, root canal treatments, crowns and bridges.  This cover can be purchased with all our Inpatient and Outpatient Schemes.

If during the Policy Year, You or any Dependant/s, who are over 18 years of age and in Fixed Employment, are diagnosed with a long term Medical Condition then the Policy will pay You a Loss of Income benefit of Eur500 per week for three consecutive weeks subject to a maximum benefit limit of Eur1,500 per Policy year. This benefit will be paid after 12 weeks from Diagnosis provided the presence of the same Medical Condition of the Beneficiary is uninterrupted. This cover can be purchased at an additional premium with our Hospital Inpatient and Outpatient Scheme and is included in our International Inpatient and Outpatient Scheme at no additional charge.

At an additional Premium the Standard Exclusions relating to Clinic Fees, Allergies and Vaccinations can be waived from the cover. These charges would be paid from the Outpatient benefit (no 9) limits. This cover can be purchased with our Hospital and international Inpatient and Outpatient Schemes.
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