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Health Insurance

Health Insurance

With this insurance you can choose between 4 levels of coverage: (1) Basic Scheme, (2) Hospital Scheme, International Scheme (3) and Family Health Scheme (4).


The first two schemes offer in-patient cover only, and in-patient and out-patient cover valid in Malta only. Basic and Hospital in-patient cover only schemes are cost-reducing options providing insurance protection for hospitalisation as an in-patient.

Basic Scheme covers essential health services, and refunds prearranged amounts for treatments. It includes in-patient services such as specialist consultations, pathology, radiology, diagnostic tests and physiotherapy; up to 250 euros per policy year.

Hospital Scheme covers full refund of hospital accommodation, including intensive care and nursing care. It also comprises operating theatre charges, surgeons’ and anaesthetists’ fees for surgical operations, Computerised Tomography Scan (CT Scan), Magnetic Resonance Imaging (MRI) and PET Scans.

If the insured or an insured member of his family requires emergency treatment whilst outside of Malta then the Mapfre Middlesea Health Insurance Basic and Hospital schemes will cover the cost for the treatment received up to the same level as what would have been paid for the same treatment having been received in Malta.

International Scheme provides in-patient and out-patient cover on a worldwide basis except USA and Canada. It offers full refund of osteopathy, homeopathy, acupuncture, and chiropractic treatments provided by qualified practitioners.

The Family Health Insurance Scheme covers all the health insurance needs of all family members, upon payment of a single premium only. This scheme protects family members in case of any injury or other medical contingencies such as hospitalisation, and medical and surgical expenses. This scheme offers out-patient benefits including refund for general practitioners’ fees, consultations with specialists, a dental benefit and a maternity cash benefit (€240 per pregnancy).

This fourth scheme offers you the Second Medical Opinion service: if any member of your family is diagnosed with a severe illness and would like to get further confirmation, this service gives you access to a network of recognised international medical experts at no extra cost.

If you become unemployed as a result of redundancy, and consequently not being able to pay for the Family Health insurance premium, MAPFRE Middlesea will cover the annual renewal premium for you.

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