Digital Nomad Health Insurance for Malta
🌍 Why Is Malta a Popular Destination for Digital Nomads?
Malta has fast become Europe's most desirable destination for digital nomads because of its sunny Mediterranean climate, English-speaking population, cutting-edge digital infrastructure, and thriving expat community. Valletta, Sliema, and St. Julian's are just a few of the cities with the perfect blend of lifestyle, workability, and connectivity with fast Wi-Fi, nicely designed coworking spaces, and island vibes.
Its strategic European location makes Malta an excellent home base for remote workers. The security of the island, hospitality of the people, and a nice climate year-round allow digital nomads to live in a balanced manner from working on seaside terraces to visiting old fortifications and coastal promenades.
✈️ Digital Nomads Insurance for Malta
If you are moving to Malta with the Nomad Residence Permit (Malta Digital Nomad Visa), proper digital nomad health insurance is a must. It is not just a requirement for the visa — it gives you coverage during your visit in case of medical emergencies, hospitalization, and repatriation.
Good expat or travel health insurance in Malta gives digital nomads reassurance and easy access to healthcare when they are overseas. It also avoids costly medical expenses and makes it compliant with Malta's residence requirement for remote professionals from outside the EU
🏥 Why Do Digital Nomads Need Health Insurance in Malta?
Whether you are seeking the Malta Nomad Residence Permit or you are staying in Malta for a longer duration as a remote worker or freelancer, proof of sufficient health insurance is required.
This is why it is important:
- Visa requirement: The Maltese government requires health insurance for the issuance of visas and residence registration
- Access to quality medical care: Health care in Malta is good quality, but you will need legitimate insurance to obtain access to most private medical centers.
- Avoid expensive medical bills: Without insurance, treatment or hospitalization may be expensive, especially at private centers.
- Global protection: Most digital nomad health insurance covers travel within the EU and Schengen zone — perfect for frequent travelers.
- Coverage for dependents: Most global health insurance policies allow dependents to be added, which is very suitable for families relocating to Malta.
💰 What Is The Cheapest Digital Nomad Insurance For Malta?
The cheapest digital nomad insurance plans for Malta include Atlas International from WorldTrips, Patriot International Lite from IMG, and Travel Medical Global Basic from Seven Corners.
- Available for Non US citizens and US citizens traveling outside their home country.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 79 years.
- Available for both Non US citizens and US citizens traveling outside USA.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 70 years.
Travel Medical Global Basic
Seven Corners
$56 per monthAge: 40 years | Plan: $50,000 | Deductible: $250
- Available for Non US residents traveling to worldwide trips that exclude the USA.
- Emergency medical evacuation covers up to $250,000.
- Covers acute onset of a pre-existing condition up to 79 years.
⭐ What Is the Best Digital Nomad Insurance for Malta?
travel_luggage_and_bags Best travel medical insurance plans for Digital Nomads for Malta
Atlas Nomads
Atlas NomadsAtlas Nomads Insurance is the perfect health coverage for digital nomads, offering global medical protection with the flexibility to include or exclude the U.S. Stay covered wherever you work or travel, with convenient monthly or annual payments that fit your location-independent lifestyle.
- Available for non-U.S. citizens/residents traveling and working abroad.
- Coinsurance: Plan pays 100% of eligible expenses up to the overall maximum limit
- Acute onset of pre-existing condition: Covers up to policy maximum limit
- Emergency medical evacuation: Up to $100,000
- Urgent care: Up to $50 copayment
- Trip Interruption: Up to $5,000 maximum
- Repatriation of remains: Up to $20,000 maximum
Policy maximum?
Up to age 64: $250,000
Age 65 to 69: $100,000Deductible option?
$0Period of coverage?
364 days
Atlas International
Atlas International Insurance offers flexible, reliable health coverage for remote workers and travelers worldwide. Designed for U.S. and non-U.S. citizens abroad, it provides essential medical protection for trips from 5 to 364 days, with customizable benefits to fit your journey. Stay covered and focus on your work and adventures.
- Available for US and Non US citizens traveling outside USA.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: 15 per incident; no copayment if deductible is $0.
- Optional add-on benefits.
- Renewable: Can be renewed and extended up to 364 days.
- Repatriation of Remains: Equal to the elected overall maximum limit.
- Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000Deductible option?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
364 days
Patriot International Lite
Patriot International LitePatriot International Lite is the ideal travel medical insurance for digital nomads, offering essential international coverage so you can work and explore worry-free. With flexible terms from 5 to 364 days, renewable up to 24 months, it suits changing travel plans. Available to U.S. and non-U.S. citizens, it provides customizable benefits for reliable protection wherever your journey takes you.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit.
- Renewable: Renewable up to 2 years.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000,$2,500,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500Period of coverage?
5 days to 364 days
Patriot International Platinum
Patriot International Platinum is ideal for Digital Nomads seeking short-term or long-term international medical coverage with flexible duration and customizable benefits. Available for U.S. and non-U.S. citizens traveling outside their home country.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit
- Renewable: Renewed for up to 36 months
Policy maximum?
$2,000,000, $5,000,000, $8,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,0000, $10,0000, $25,0000.Period of coverage?
5 days to 364 days
globe Long-Term travel medical insurance plans for Digital Nomads in Malta
IMG Global Medical
IMG Global Medical Insurance offers comprehensive long-term coverage for digital nomads, with flexible worldwide protection and optional U.S. coverage. Customize your plan with add-ons like preventive and maternity care for total peace of mind wherever you go.
- Coinsurance: In-network: After deductible, plan pays 100%, Out-of-network: After deductible, pays 80% up to $5,000, then 100% up to the max limit
- Direct Billing: United health care ppo or First healthcare (in inside USA)
- Urgent care: Included
- Pre-existing Conditions: Bronze – Not covered; Silver/Gold – Covered if disclosed and not excluded (unknown: $5K/period, $50K/lifetime after 24 months); Platinum – Covered if disclosed and not excluded with higher limits
- Emergency medical evacuation: Up to lifetime maximum
- Repatriation of remains: Up to $50,000 maximum
Policy maximum?
Bronze: $1,000,000 | Silver: $5,000,000 | Gold: $5,000,000 | Platinum: $8,000,000Deductible option?
$100 to $25,000Period of coverage?
Lifetime
Worldwide Premier
Worldwide PremierThe BCBS Global Solutions Worldwide Premier Plan is a year-long travel medical insurance made for people who travel frequently outside their home country. Instead of buying a new policy every time you travel, you buy this once a year and you’re covered for unlimited trips during that year.
- Pre-existing conditions: Immediate coverage of pre-existing conditions with proof of previous coverage.
- Emergency medical evacuation: Up to $250,000.
- Repatriation of remains: Up to $25,000 maximum.
- Accidental Death & Dismemberment: Up to $50,000
- Emergency Medical Transportation: Up to $250,000
- 24/7 customer service and support available.
Policy maximum?
Unlimited annual and lifetime maximumDeductible option?
$0, $1,000, $2,000, $5,000, $10,000Period of coverage?
Lifetime
💶 How Much Does Digital Nomad Health Insurance Cost in Malta?
Short-term travel medical insurance for digital nomads starts at just $39 per month. The cost may vary depending on the traveler's age, trip duration, selected policy maximum, and deductible. These plans are ideal for digital nomads taking shorter trips or staying abroad for limited periods. Short-term coverage typically offers essential medical benefits at affordable rates, with policy maximums ranging from $50,000 to $2 million.
| Plan name | Policy Maximum | Cost for 30 yrs* | Cost for 40 yrs* | Cost for 50 yrs* |
|---|---|---|---|---|
| Atlas International | $50,000 | $39 | $68 | $116 |
| Patriot International Lite | $50,000 | $41 | $69 | $118 |
| Atlas Nomads | $250,000 | $57 | $93 | $147 |
| Patriot Platinum International | $2,000,000 | $87 | $145 | $246 |
*Based on ages of digital nomads, with a $0 deductible.
Long-term travel medical insurance for digital nomads starts at around $1,500 per year. The cost may vary based on the traveler's age, length of coverage, policy maximum, and deductible. These plans are ideal for digital nomads living abroad for extended periods or frequently relocating across countries. Long-term insurance typically offers broader medical coverage, higher policy limits (up to $10 million), and enhanced global support services.
| Plan name | Policy Maximum | Deductible | Cost of 30 yrs# | Cost of 40 yrs# | Cost of 50 yrs# |
|---|---|---|---|---|---|
| Worldwide Premier | $10,000,000 | $0 | $870 | $1,099 | $1,774 |
| Global Medical Bronze | $1,000,000 | $250 | $1,523 | $1,827 | $1,921 |
| Global Medical Gold | $5,000,000 | $250 | $3,576 | $4,116 | $7,404 |
#Based on ages of digital nomads.
📑 What Are the Requirements for the Malta Digital Nomad Visa?
Malta provides the Nomad Residence Permit for remote professionals and self-employed individuals. It is not a standard "digital nomad visa," but it permits non-EU nationals to reside and work remotely in Malta.
- Valid passport: It should be valid for the whole period of your stay.
- Type of visa: Nomad Residence Permit for remote work.
- Proof of remote work: Records of employment or freelance activity with date for non-Maltese companies.
- Professional proof: Contracts, portfolios, or evidence of freelance or remote job.
- Health insurance: Required must be of Maltese and EU standards.
- Proof of accommodation: Rental agreement or deed of property.
- Clean criminal record: Permits required for approval.
📦 What Does Digital Nomad Insurance Cover?
A good digital nomad insurance policy for Malta provides extensive coverage for short or longer-term stays. Standard benefits are:
- Emergency medical expenses for illness or accident.
- Hospital stays and outpatients.
- Prescription drugs and specialist consultations.
- Medical evacuation to the nearest hospital or home country.
- Repatriation of remains.
- Lost or delayed baggage cover.
- Optional cover for pre-existing conditions.
- Optional adventure sports cover (for diving, trekking, etc.)
While choosing a plan, ensure that it meets Schengen visa insurance requirements, has at least €100,000 in medical coverage, and includes both inpatient and outpatient treatment.
⏳ Long-Term Health Insurance for Digital Nomads Living in Malta
For remote workers staying long term, expat or international health insurance is the most advantageous option. These policies pay for regular doctor visits, preventive services, hospitalizations, maternity care, and mental health — all with worldwide coverage.
Long-term insurance guarantees continuous protection, particularly if you expect to renew your Nomad Residence Permit or explore Europe repeatedly. It also assists you in fulfilling Maltese residence rules and preventing administrative hold-ups upon visa renewals.
Get Quote line_end_arrow_notch❓ Travel Health Insurance for Digital Nomads in Malta FAQs
🩺 Do You Need Health Insurance for a Malta Digital Nomad Visa?
Yes. If you plan to apply for a Malta Digital Nomad Visa or residence permit, you must provide proof of valid health or travel insurance covering your stay in Malta. The insurance should include hospitalization, emergency medical care, medical evacuation, and repatriation. It must remain valid for the full duration of your stay and provide coverage throughout the Schengen Zone. It’s recommended to purchase your international health insurance before arriving in Malta to simplify the visa process and ensure protection from the moment you land.
🛡️ Can I buy insurance after arriving in Malta?
You may purchase international or Maltese-domestic private health insurance upon arrival, but your application for a Nomad Visa must have acceptable proof of insurance at the time of submission. To prevent processing delays, it's advisable to buy Digital Nomad insurance available on American Visitor Insurance prior to travel and initiate it on your arrival date.
🧳 Can I use travel insurance for a digital nomad visa in Malta?
Yes, provided that the travel insurance complies with Malta's visa requirements. It should cover medical treatment, hospitalization, and evacuation for the entire period of your stay. Standard short-term travel insurance, however, might not provide cover for outpatient treatment or extended stays, so an international digital nomad policy is advisable.
⏳ How long should my insurance coverage last?
Your insurance should cover the whole length of your stay in Malta. For digital nomads and freelancers who stay long-term, opt for renewable yearly or multi-year international coverage to keep on paying continuously and avoid trouble during visa renewals.
💰 Is digital nomad insurance expensive?
The price of health insurance in Malta varies by age, coverage, and policy type. Malta is more costly than Southeast Asia or certain Eastern European nations, but there are budget-friendly international and expat insurance policies available for digital nomads on American Visitor Insurance. These plans offer a compromise between price and full-coverage benefits like emergency treatment, hospital stays, and Schengen-approved coverage.
