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Malta, an alluring Mediterranean island nation, is a magnet for expatriates due to its robust economy, rich culture, and breathtaking scenery. If you’re planning to work in Malta, securing the right health insurance is a crucial step in your relocation process. MUIA, a leading insurance distributor in Malta, offers comprehensive health insurance plans tailored for expatriates.

This guide will help you understand everything you need to know about obtaining health insurance through MUIA (Agents of MAPFRE Middlesea plc) for your work permit in Malta.

Why Health Insurance is Essential for Work Permits

Health insurance is not just a formality; it’s a legal requirement for non-EU nationals applying for a work permit in Malta. The Maltese government mandates health insurance to ensure that expatriates have access to necessary medical services during their stay, protecting both the individuals and the national healthcare system from undue strain.

About MUIA

MUIA are Agents for MAPFRE Middlesea plc, and is one of Malta’s most reputable insurance agents, distributing a range of insurance products, including health insurance, tailored to meet the needs of expatriates. With a commitment to providing quality service and comprehensive coverage, MUIA is a preferred choice for many seeking reliable health insurance solutions in Malta.

Health Insurance Options

MUIA offers a variety of health insurance plans designed to cater to different needs and budgets. These plans typically include:

  1. Basic Health Plans: These plans offer basic coverage, including doctor visits, hospitalization, and emergency services. They are suitable for those looking for essential coverage at an affordable price.
  2. Hospital Health Plans: These plans provide extensive coverage, including specialist consultations and advanced medical treatments. They are ideal for expatriates seeking comprehensive healthcare protection.
  3. International Health Plans: For those who travel frequently or have dependents in multiple countries, MUIA offers international health plans that provide coverage both in Malta and abroad.

Health Insurance Plans Key Features

When choosing a health insurance plan distributed by MUIA, you can expect several key features designed to ensure your healthcare needs are met:

  • Extensive Network of Healthcare Providers: Access to a wide network of hospitals, clinics, and specialists across Malta, ensuring you receive quality medical care when needed.
  • Cashless Claim Services: Simplified claims process with direct billing, reducing the need for upfront payments.
  • 24/7 Assistance: Round-the-clock customer support to assist with emergencies, claims, and any insurance-related queries.
  • Flexible Coverage Options: Customizable plans that allow you to choose the level of coverage that suits your needs and budget.
  • Additional Benefits: Plans may include extra benefits such as dental and preventive care.

Meeting Health Insurance Requirements for Work Permits

To obtain a work permit in Malta, your health insurance must meet specific criteria set by the Maltese authorities:

  • Validity: The insurance policy must be valid for the entire duration of your stay in Malta.
  • Coverage Amount: The policy should provide a minimum coverage amount, usually around €30,000, to cover medical expenses, hospitalization, and emergency services.
  • Comprehensive Coverage: The insurance must cover a wide range of medical services, ensuring you have adequate protection during your stay.

How to Choose the Right Health Insurance Plan

Selecting the right health insurance plan involves evaluating your healthcare needs and ensuring the plan meets the work permit requirements. Here are some steps to guide you:

  1. Assess Your Healthcare Needs
  • Consider your personal health needs, including any pre-existing conditions, regular medications, and preferred healthcare providers.
  • Determine whether you need additional services like dental care or preventive care.
  1. Compare Plans and Benefits
  • Review the different health insurance plans offered by MUIA, comparing their coverage, benefits, and costs.
  • Look for plans that provide comprehensive coverage, including emergency services, hospitalization, and specialist consultations.
  1. Understand the Costs
  • Evaluate the premiums, deductibles and any out-of-pocket expenses associated with each plan.
  • Consider the overall value of the plan in terms of the coverage and benefits provided.
  1. Check the Network of Providers
  • Ensure the plan includes a network of reputable healthcare providers in Malta, offering easy access to medical services.
  • Verify if the plan allows for flexibility in choosing healthcare providers both within and outside the network.
  1. Evaluate Customer Support
  • Opt for an insurance provider with excellent customer support, ensuring you can get assistance when needed.
  • Check if the insurer offers multilingual support, which can be beneficial for expatriates.


Applying for Health Insurance with MUIA

Applying for health insurance with MUIA is a straightforward process. Here’s how you can do it:

  1. Research and Select a Plan: Begin by exploring the various health insurance plans offered by MUIA. Use their online tools or contact their customer service for guidance.
  2. Get a Quote: Request a quote for the selected plan. Provide details about your stay in Malta and any specific healthcare needs.
  3. Complete the Application: Fill out the application form with accurate personal information, employment details, and any relevant medical history.
  4. Submit Required Documents: Submit necessary documents, such as proof of employment, identification, and any other required paperwork.
  5. Make the Payment: Pay the insurance premium as specified by the chosen plan. Payment options are typically flexible, including online payments.
  6. Receive Confirmation: Once your application is processed and payment is received, you will receive a confirmation of coverage along with your insurance policy documents.
  7. Include Proof in Work Permit Application: Attach the health insurance policy documents to your work permit application to fulfil the insurance requirement.

Using Your Health Insurance in Malta

With MAPFRE Middlesea’s health insurance in place, the following is how one can effectively use it:

  • Understand Your Coverage: Familiarize yourself with what is covered under your plan, including exclusions and the claims process.
  • Claims Process: Learn the procedure for filing claims and getting reimbursements. MUIA through MAPFRE Middlesea plc offers cashless services, allowing direct billing to the insured in line with the applicable claims settlement authority.

Renewing Your Health Insurance

If you plan to extend your stay in Malta, ensure your health insurance remains valid by renewing it before it expires. MUIA offers easy renewal options, ensuring continuous coverage without any gaps.


Securing health insurance through MUIA for your work permit in Malta is a smart choice, offering peace of mind and comprehensive healthcare protection. By understanding the health insurance requirements and choosing the right plan, you can focus on enjoying your time in Malta, confident that your health needs are covered.

MUIA through its extensive network, flexible plans, and excellent customer support make them a reliable partner for expatriates in Malta. If you have any questions or need further assistance, don’t hesitate to reach out to MUIA or consult with an insurance advisor. Safe travels and best of luck with your new journey in Malta!

MelitaUnipol Insurance Agency Ltd. (C-22256) is enrolled under the Insurance Distribution Act to act as an Insurance Agent for MAPFRE Middlesea p.l.c. (MMS). MMS (C-5553) is authorised by the Malta Financial Services Authority (MFSA) under the Insurance Business Act. Both entities are regulated by the MFSA.

The Product is manufactured by MMS and distributed by MelitaUnipol Insurance Agency Ltd.

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