Insurance for entry into Malta: who needs it, rules for obtaining it for different categories of visas, and where to purchase it?

Are you planning a trip to Malta but don't know if you need insurance, which one to choose, and where to get it? For some categories of travellers, having a policy is mandatory, while for others it is highly desirable due to high medical costs. Learn more about insurance requirements, the differences between local and Ukrainian insurance policies, and how to make the right choice

Insurance policy - a guarantee of your safety and peace of mind while travelling outside Ukraine

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Planning a trip to Malta? One of the main questions that often arises is whether you need medical insurance, who exactly needs it, what rules apply to obtaining it, and where you can purchase it.

In this article, we will discuss the mandatory requirements for different categories of travellers, including short-term and long-term trips, as well as options for obtaining insurance — locally and through Ukrainian services such as Visit Ukraine.

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Who needs insurance to enter Malta?

For Ukrainians entering Malta for tourism purposes, insurance is mandatory.

If you are applying for a Schengen visa (category C), you will not be able to obtain it without insurance. The conditions require coverage of medical expenses, evacuation, etc.

At the same time, for citizens of countries that have a visa-free regime with Malta (e.g. the United States, Canada, the United Kingdom), insurance is not formally mandatory. However, it is strongly recommended due to the high cost of medical services in the country.

Malta is abolishing its ‘golden passport’ programme and switching to a merit-based citizenship model. For more details, please read here.

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General requirements for insurance policies for short-term and long-term trips to Malta

If you are planning a trip to Malta for tourism, business or family purposes, regardless of the length of your stay, you must have medical insurance. It is a mandatory requirement for obtaining a visa and an important guarantee of financial security during your trip.

For short-term trips (up to 90 days), in particular when applying for a Schengen type C visa, the insurance policy must meet a number of requirements:

– the minimum coverage must be at least €30,000;

– be valid throughout the Schengen area;

– include coverage for emergency medical care, hospitalisation, evacuation and repatriation;

– be valid for the entire duration of your stay in the EU.

For long-term trips (over 90 days), for example, for study, work or residence with a type D visa, the conditions remain the same. The insurance must also have a minimum coverage of €30,000, be valid for the entire period of stay and cover the Schengen Agreement countries.

Will the Maltese citizenship programme be closed due to investment? We explain in the link.

What kind of insurance can you get in Malta?

When preparing for a trip to Malta, the question arises: where exactly should you get insurance — directly in the country or before departure, for example, through Ukrainian services? Both options have their advantages and disadvantages.

Read also: Life in Malta as an expat: pros and cons, cost of living and employment prospects.

Local (Maltese) insurance

This type of policy is offered directly by Maltese or local insurance companies. Such insurance can be useful for those who are already in Malta or are planning a long stay. Its advantages include:

– direct access to the local healthcare system and partner clinics;

– insurance terms and conditions in accordance with Maltese law.

However, there are also significant drawbacks:

– such insurance is often only valid in Malta and does not cover other Schengen countries, which is important for travellers planning further trips in Europe;

– the cost of the policy may be higher than that of European or Ukrainian insurance companies;

– the application process is more complicated, especially for foreigners who do not yet have resident status.

About the healthcare system in Malta— follow the link.

Insurance through Ukrainian insurers

For Ukrainians, the most convenient and fastest way is to purchase an insurance policy online before departure. For example, through trusted services such as the Visit Ukraine portal.

The advantages of this method include:

– the ability to purchase a policy online from anywhere in the world;

– certified products that fully comply with EU requirements and are suitable for both short and long-term trips to Malta;

– a convenient process — filling out the form, paying and receiving the policy by email takes only a few minutes;

– 24/7 customer support;

– affordable cost — often lower than European or local insurers.

Reasons to start your own business in Malta — collected here.

What does the insurance cover that can be issued at Visit Ukraine?

When choosing an insurance policy for a trip to Malta, it is important to understand what risks are covered by different insurance options. Visit Ukraine offers both medical and travel insurance policies that meet all the requirements of the Schengen Agreement and provide financial protection in case of unforeseen circumstances during your stay in Malta.

Health insurance on the Visit Ukraine portal

The health insurance policies available on Visit Ukraine provide comprehensive protection during your stay in Malta, including emergency medical care, COVID-19 treatment, and reimbursement of transportation costs in case of emergency.

The Europe Classic policy provides basic coverage:

- Emergency outpatient and inpatient care.

- Diagnosis and treatment of COVID-19 if medically indicated.

- Coverage for medical transportation to the nearest medical facility.

- Insurance in case of an accident.

- Emergency dental care.

- Costs of repatriation of the body in case of death abroad.

The Europe Classic Plus policy provides extended coverage, including all the benefits of the Classic policy with additional services, such as

burial arrangements abroad and extended protection in case of emergency.

Travel insurance on the Visit Ukraine platform

If you are planning a short-term trip to Malta, you can choose from a variety of travel insurance options with different levels of protection.

The Europe Basic policy includes:

- Treatment and diagnosis of COVID-19.

- Medical assistance in case of an accident.

- Repatriation of the body in case of death.

- Emergency medical, obstetric and dental care.

- Medical evacuation in case of emergency.

Europe Comfort policy provides extended insurance coverage and additionally includes:

- Expenses for defence of the insured person's rights and legal advice.

- Compensation in case of flight delay or cancellation.

- Coverage of expenses for restoration of documents in case of their loss or theft.

- Protection in case of loss of luggage.

The most comprehensive coverage is offered by the Europe VIP policy, which, in addition to all the above services, includes

- Legal protection in the event of an accident.

- Organisation of delivery to the destination in case of car breakdown.

- Comprehensive support in case of loss or theft of documents.

How much does insurance cost on Visit Ukraine?

Health insurance

Travel insurance

Why is it worth taking out travel insurance for a trip to Malta on Visit Ukraine?

- A wide range of insurance programmes adapted to the different needs of travellers - from tourist trips to long-term stays.

- Instant online registration.

- Affordable tariff plans with transparent pricing conditions and no hidden fees.

- Round-the-clock customer support to help you solve any situation during your stay in Germany.

- Guaranteed quality of insurance services from trusted companies.

Planning a trip to Malta?

Get a policy quickly and conveniently on the Visit Ukraine portal! The insurance meets all the requirements for entry into the EU and provides reliable protection during your stay abroad.

Get insurance online in a few minutes and travel without worries!

Reminder! Travel insurance is not just a formality for crossing the border, but an important protection for your trip. It can be a real lifesaver in case of illness, injury or force majeure abroad. What does travel insurance cover and how to quickly get it online — find out at the link.

Photo: Depositphotos

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