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Health insurance

Health Insurance
  • Public Health: Persons working and paying National Insurance are entitled to free health care as determined by Ministry for Energy and Health.
  • Private health insurance: Its holders are entitled to health care services that covers either basic health care available to foreigners who cannot have the public health insurance according to the type or residence status or as a supplement to public health insurance. The Maltese government is not responsible for private health insurance in any way.

Mandatory Insurance: Who must be insured

Depending on the reasons for stay in Malta, persons must be insured either via private insurance, public insurance through National Insurance paid, or through a combination of both. As per the Immigration Act (Cap 217), some third country nationals that wish to reside may be required to have some form of sickness insurance.


European Health Insurance Card (EHIC)

In line with Regulation (EC) No. 987/2009, persons issued a European Health Insurance Card (EHIC) are entitled to free or reduced cost of emergency medical treatment needed during temporary visits in other EU member states.
The EHICs of every member state have a standard format; they are recognized and understood by all countries, irrespective of in which language they are issued. The purpose of the EHIC is to facilitate access to medical care during the holder’s temporary stay in another Member State, and to speed up reimbursement of the costs incurred. It does not contain any medical information about the holder. EHIC can be used in all EEA and Switzerland.

How to qualify

Pay National Insurance in Malta qualifies you for a European Health Insurance card.

Persons who hold a resident permit in Malta and are:
  • Covered by the national Social Security legislation (as per new regulation 883/04 May 2010)

Services provided by EHIC

You can access any treatment necessary on medical grounds under the state healthcare system of the country you visit during a temporary stay in one of EEA countries and Switzerland. This may include emergency treatment, maternity care, treatment of a chronic disease or pre-existing illness like routine blood tests, injections, repeat prescriptions and checkups.
What is paid by EHIC

You will get treatment on the same financial basis as local residents covered for state healthcare in the EEA country you visit. Each country has its own rules. In some, services are provided free of charge. In others, people have to pay part of the costs themselves when treatment is provided and this charge is non-refundable. Or they may have to pay the full costs first and claim a partial refund afterwards. You may find a list of EEA countries and what you will be entitled for in each country by visiting the website.

The EHIC is free. A separate application form is needed for each person, with the exception of children under 16.


Collect the application forms from the Entitlement Unit or from any Local Council or download application form from, fill them up and return them to the Head of Entitlement Unit, Ministry of Health, St Luke's Hospital, Guardamangia. One also or apply online on if you have an e-ID.


An EHIC is usually valid for 5 years. You will need to apply for a new one before the expiry date as indicated in the above section.

You can apply up to 3 months before the expiry date. In cases where you are applying before the expiry of the card, the valid card has to be submitted with the application for a new card to be issued.

 Last updated in June 2014.​
Public Healthcare