Insurance in Malta

Health Insurance
Motor Vehicles
Home Insurance
Travel Insurance
Health Insurance

This policy has certain requirements that shall be evaluated by the customer. It is very important to consider them in order to decide which insurance policy satisfies better the policyholder needs.

The aim of this policy is to provide cover for the reasonable fees of accredited treatments. This insurance is not planned to cover experimental or unproven treatments, but if such possibility occurs, we will discuss it with the policyholder specialist and decide if the cost of the suggested treatment will be covered.

For the full Policy exclusions please refer to your policy document. The following are some of the restrictions that apply to the policy, unless otherwise specified in Your Policy Schedule or Table of Benefits: 

  • We will not pay for pre-existing medical conditions that, however, will be covered after five years of continuous insurance with us, provided that during that period policyholder has not consulted any doctor for treatment or advice, or taken any medication (including drugs, medicines, special diets and injections) for that condition.
  • We will only cover pre-existing cardiac or cancer conditions provided at the time when the condition reappears the beneficiary has been free from treatment, advice or medication for that condition during the previous ten years.
  • We will not pay for fees charged for providing medical reports and prescriptions.
  • We will not cover pregnancy or childbirth, other than for related complications arising at least ten months after the expectant mother contracted the policy. In the case of a caesarean section we will only pay the difference between the reasonable fee for the intervention, and the fee which would have been charged for a normal delivery.
  • We do not cover contraception, sterilisation, termination of pregnancy, infertility and/or any form of assisted reproduction, and treatment of sexual problems. Treatments arising from or related to a sex change are excluded.
  • The cost of vaccinations, routine or preventive medical examinations, medical screening including health check-ups, sight and hearing tests are excluded.
  • Treatments received in health hydros, spas, nature cure clinics or in any similar establishments, even if they are registered as a hospital, are not included.
  • We do not cover regular or long-term kidney dialysis or end stage renal failure.
  • We do not pay for treatments caused by a deliberate self-inflicted injury or attempted suicide.
  • Treatments given to relieve any allergic condition or disorder are excluded.
  • We do not pay for treatments arising in any way from alcohol, drug or substance abuse.

Motor Vehicles

Private, Commercial and Motorcycles
Levels of Cover:
  • Third Party Only – liability to others.
  • Third Party Fire & Theft – liability to others and loss of or damage to your vehicle caused by fire, self-ignition, lightning, explosion, theft or attempted theft.
  • Comprehensive – liability to others and accidental loss of or damage to your vehicle.

All three levels of cover provide you with FREE Roadside Assistance and Breakdown Servicewhich includes repair on the spot following mechanical or electrical breakdown, battery boost and flat tyre assistance, towing of motor vehicle following a breakdown or accident, second delivery service, fuel delivery and locksmith service.  This service is provided in all Europe. 

Depending on the level of cover purchased, the policy is/can be extended to include:

Extensions to Cover Comprehensive Third Party Fire & Theft Third Party Only
Personal Accident Included Included Included
Medical Expenses Included Included Included
Breakage of Glass Included Included Included
Use by the Motor, Hotel or Restaurant Trade Included Included Included
Legal Assistance for Uninsured Losses Included Included Not Included
Personal Belongings Included Included Not Included
Emergency Overnight Accommodation outside of Malta Included Included Not Included
Entertainment Equipment Included Included Not Included
Lost Keys and Locks Included Included Not Included
Courtesy Vehicle (Private Vehicles Only) Included Not Included Not Included
30 days Own Damage cover anywhere within the EEA and Switzerland Included Included Not Included

Payment for loss or damage under the above extensions will not affect your entitlement to No Claims Discount. 

Optional Extensions Comprehensive Third Party Fire & Theft Third Party Only
Protection of your No Claims Discount (Private Vehicles Only) Available Available Available
Earthquake Cover Available Not Available Not Available

Home Insurance

A few cents a day can protect your greatest investment from unforeseen events. Our home policy offers a very wide level of protection against events which may severely damage your home buildings, contents or your personal effects.

The policy provides cover for:

  • Accidental loss or damage to the buildings and contents of your home.
  • Accidental loss or damage to personal belongings and valuables whilst anywhere in Malta.
  • Your liability to others and home assistance.
  • Emergency services.

The standard cover also includes:

  • Temporary alternative accommodation following a loss.
  • Mechanical or electrical breakdown to air-conditioning and energy saving equipment.
  • Loss or damage to Christmas, wedding and graduation gifts.
  • Loss or damage to locks and keys.
  • Freezer contents.
  • Personal money including credit and debit cards.
  • Pedal cycles and sports equipment.
  • Legal expenses.

Travel Insurance

Our travel policy allows you to travel with peace of mind knowing that should anything go wrong, you have the best level of protection.

The product is designed to cater for standard travelling needs whether you are travelling for business, pleasure or otherwise.

The travel policy includes worldwide travel assistance on a 24/7 basis from our call-centre in Malta.

  Section Limits per person Low Cost Euro Economy Euro Club Euro Excess Euro per person
1A Cancellation Abandonment 1,000 5,000 7,500 50
1B Trip Cancellation due to adverse weather 1,000 2,000 3,000 50
2A Medical Expenses 50,000 250,000 750,000 50
2Ba Hospital Benefit 250 750 750 Nil
2Bb Treatment in Malta 750 1,000 1,250 Nil
3A Delayed Departure 250 250 250 Nil
3B Missed Departure 250 750 1,500 Nil
3C Hijack 500 500 500 Nil
4A Personal Money 750 1,000 1,500 50
4B Baggage 750 2,500 3,000 50
4B Baggage – Limit Per Item 300 750 1,000
4B Baggage – Limit for valuables 600 1,000 1,000
4C Delayed Luggage 125 175 750 Nil
4D Travel Documents 120 175 250 Nil
4E Rental Vehicle Policy Excess 300 400 500 Nil
5 Liability 1,250,000 1,250,000 1,250,000 50
6 Personal Accident 10,000 20,000 40,000 Nil
6 Personal Accident – if under 16 years old 5,000 10,000 20,000 Nil

Important Note: The European Health Insurance Card (EHIC) provides you with free or reduced-cost emergency medical treatment in countries within the European Economic Area (EEA). Keep the EHIC card safe, preferably with your passport, and carry it with you when travelling within the EEA. For more information and/or to obtain the card please visit www.sahha.gov.mt and look for the section about EHIC.

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