Overview
This article explains highlights some specific items that may be considered within the Malta Health Insurance scheme.
Does Health Insurance in Malta cover annual check-ups and preventative care services?
- Private health insurance in Malta may cover annual check-ups and preventative care, but coverage depends on the policy and specific product (insurance plan)
- Basic plans typically do not cover routine preventative check-ups, while higher-tier plans nowadays often provide partial or full reimbursement. Coverage limits, exclusions, and waiting periods may apply, so reviewing your specific policy terms is essential.
- Some comprehensive plans include routine eyesight testing, skin cancer screening, mammograms, annual blood tests and more.
Does Health Insurance in Malta cover dental treatment?
Private health insurance in Malta may cover dental treatment, although this is extremely rare. . Basic plans often exclude dental care, while comprehensive plans offered by some providers may include:
- Routine Check-ups – Consultations, cleanings, and preventive care.
- Regular Dental Treatments – Fillings, extractions, and root canals.
- Major Dental or Orthodontic Procedures – Crowns, bridges, implants, and orthodontics (often with limits).
- Emergency Dental Care – Treatment for dental injuries or severe pain.
Coverage limits, exclusions, and waiting periods may apply. It’s important to review policy details to understand what is included and any reimbursement caps.
Laferla offers significant dental coverage for Maltese standards under its Laferla Gold Plan and Laferla International Gold Plan.
Does Health Insurance in Malta cover cancer treatment?
- In Malta, most private Health Insurance plans cover cancer treatment, including hospital stays, surgeries, chemotherapy, radiotherapy, and diagnostic tests like MRIs, CT and PET scans.
- Specialist consultations and post-treatment care, such as physiotherapy or home nursing, may also be included in your insurance coverage.
- However, coverage depends on the specific policy, level of cover and limits applied under the particular health insurance product.
- It's essential to review the policy details to understand the full scope of coverage, as limits vary by insurer and plan.
Does Health Insurance in Malta cover Pregnancy and Childbirth costs?
Private health insurance in Malta may cover pregnancy and childbirth costs, but coverage varies by provider and policy. Nowadays, a number of plans include maternity benefits, although they often include waiting periods (meaning that you must hold you insurance cover for a certain period of time, typically 12-24 months before claims for pregnancy costs are eligible). Furthermore, certain coverage limits and exclusions (e.g., fertility treatments, elective C-sections, or complications beyond a set limit) apply, as with any other aspect of the health insurance policy. It’s always essential to review the Policy together with the Table of Benefits of your plan to understand what is covered.
Laferla’s health insurance plans offer pregnancy and childbirth costs ranging from €250 per pregnancy under the Laferla Silver Plan up to €5,000 per pregnancy under the Laferla International Gold Plan. The latter will effectively cover a routine pregnancy with all check-ups and regular tests, as well as private birthing costs in Malta, in full.