Malta Citizenship by Investment Programmes Health Insurance

Variety of plans for applicants of the Maltese Citizenship by Naturalisation for Exceptional Services by Direct Investment (ESDI), offering three levels of coverage.

Available plans under ESDI health insurance:

Bronze

Plan Overview

The ESDI Health Insurance Bronze Plan provides healthcare coverage within the European Union & UK, with an overall maximum limit of €100,000 per policy year.

In-Patient and Day-Care Treatment

Full refund of reasonable charges for:

Accommodation and ancillary services, including medicines, consumables, food, and nursing
Rehabilitation following a surgical intervention on the recommendation of a specialist
Parent accommodation when staying with a child under 16
Operating theatre charges, drugs, dressings, surgical appliances, and prostheses
Surgeon’s and anaesthetist’s charges
Consulting physician’s charges, including pathology, radiology, diagnostic tests, and physiotherapy
Pregnancy and childbirth complications
Treatment of psychiatric illnesses (subject to a 12-month moratorium from the date of joining)
Road ambulance charges

Cancer Treatment

Consultant oncologist fees and hospital charges for cancer tests, chemotherapy, and radiotherapy
Oncology-related CT scans, MRI scans, and PET scans

Out-Patient Treatment

General practitioner and specialist consultations, diagnostic tests, physiotherapy (up to 15 sessions per treatment) – up to €1,000 per year
Alternative therapy (osteopathy, homeopathy, acupuncture, chiropractic treatment) – up to 10 sessions per treatment
Out-patient CT, MRI, and PET scans – up to €1,000 per year
Prescribed drugs and dressings – up to €125 per year
Home nursing following a surgical intervention – up to €300 per week, up to 26 weeks per year
Emergency Treatment & Assistance
International emergency medical cover (repatriation, evacuation, transportation of mortal remains) – full refund within the area of cover

Additional Benefits

24/7 emergency assistance call centre is included

Please refer to the Table of Benefits for a full description of cover and exclusions.

Important note

For all clients aged 60+ will be included a Euro 3,000 deductible on each and every in-patient claim. Therefore, the Company will not pay the first Euro 3,000 of each and every claim related to in-patient and day-case. This policy also includes Euro 100 excess related to out- patient. This out-patient excess applies only once for claims relating to the same medical condition during the same insurance year.

Please refer to the Table of Benefits for a full description of cover and exclusions.

Please refer to the IPID & Policy Wording for a full description of cover and exclusions.

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Plan Comparison Chart

Benefits

MPRP Bronze Plan

MPRP Silver Plan

MPRP Gold Plan

Area of Cover

European Union

Worldwide excl. USA & Canada

Overall Maximum Limit per Year

€50,000

€500,000

€750,000

In-Patient and Day-Care Treatment

Accommodation and Ancillary charges, including amongst others: medicines, consumables (including dressings), food and nursing

Full Refund of Reasonable Charges

Rehabilitation Centre Costs for Rehabilitation on recommendation of a Specialist, following a surgical intervention

Full Refund of Reasonable Charges

Parent Accommodation - staying with a child under the age of 16

Full Refund of Reasonable Charges

Operating theatre charges, drugs, dressings and surgical appliances including prosthesis

Full Refund of Reasonable Charges

Surgeon’s and Anaesthetist’s charges

Full Refund of Reasonable Charges

Consulting Physician’s Charges for daily visits, Pathology, Radiology (including CT and MRI Scans), Diagnostic Tests & Physiotherapy

Full Refund of Reasonable Charges

Pregnancy and Childbirth Complications - we will pay for the cost incurred due to complications only

Full Refund of Reasonable Charges

Treatment of Psychiatric illnesses (subject to a 12 month Moratorium from date of joining)

Full Refund of Reasonable Charges

Road Ambulance charges

Full Refund of Reasonable Charges

Cancer Treatment

Consultant Oncologist fees for all the active phase of the cancer treatment and hospital charges for cancer tests and drugs, including chemotherapy and radiotherapy for each course of treatment

Full Refund of Reasonable Charges

Oncology-related CT Scans, MRI’s and PET Scans

Full Refund of Reasonable Charges

Out-Patient General Practitioner charges, professional fees for Specialist consultations, and out-patient diagnostic tests and procedures. Physiotherapy Very Limited to 15 sessions per treatment.

Full Refund of Reasonable Charges up to €1,000 per year

Full Refund of Reasonable Charges up to €3,500 per year

Full Refund of Reasonable Charges up to €5,000 per year

Out-Patient Alternative Therapy including osteopathy, homeopathy, acupuncture and chiropractic treatment provided by qualified practitioners. Limited to 10 sessions per treatment.

Full Refund of Reasonable Charges up to €1,000 per year

Full Refund of Reasonable Charges up to €3,500 per year

Full Refund of Reasonable Charges up to €5,000 per year

Out-Patient CT, MRI and PET Scans referred by a Specialist

Up to €1,000 per year

Full Refund of Reasonable Charges

Prescribed drugs and dressings

Up to €125 per year

Up to €250 per year

Up to €500 per year

Home Nursing charges by a professional nurse following a surgical intervention by a Specialist, on recommendation of a Specialist

Up to €300 per week; up to 26 weeks per year

Up to €350 per week; up to 26 weeks per year

Up to €700 per week; up to 26 weeks per year

Out-Patient Psychiatric Care (subject to a 12 month Moratorium from date of joining)

Not Covered

Up to €250 per year

Up to €500 per year

Vaccinations and their administration by a medical practitioner or nurse

Not Covered

Up to €250 per year

Preventive and Routine Care

Annual Preventive Dental Treatment (including check-ups, x-rays, scaling & polishing)

Not Covered

Up to €100 per year

Annual Routine Eyesight Testing, including cost of Prescription Glasses

Not Covered

Up to €150 per year

Annual Skin Cancer Screening

Not Covered

Up to €100 per year

Annual Mammogram/Breast Ultrasound (Female Members aged 40+)

Not Covered

Up to €100 per year

Annual Prostate Examination (Male Members aged 40+)

Not Covered

Up to €100 per year

Annual Blood Tests including Lipid Profile, Liver Function, Fasting Glucose, Complete Blood Count (Members aged 40+)

Not Covered

Up to €100 per year

Annual Bone Density Scan (Members aged 40+)

Not Covered

Up to €100 per year

Dental Treatment

75% of routine treatment (incl. fillings, extractions and root canal therapy)

Not Covered

Up to €1,000 per year

50% of major restorative or orthodontic treatment (incl. crowns, bridges or orthodontic treatment of over-bite or under-bite)

Not Covered

Up to €1,000 per year

Emergency Dental Treatment necessary to restore or replace sound natural teeth loss or damaged as a result of an accident (initial treatment only)

Not Covered

Up to €750 per year

Up to €2,500 per year

Pregnancy Cover - Subject to 12 month Moratorium from date of joining

Pregnancy Cover - covers female insured members for Out-Patient consultations, examinations and tests relating to pregnancy, and In-Patient charges relating to childbirth

Not Covered

Up to €500 per pregnancy

Up to €5,000 per pregnancy

Emergency Treatment & Assistance

Emergency In-Patient or Day-Care Treatment for a life-threatening acute medical condition which arises suddenly whilst you are traveling in the USA or Canada

Not Covered

Up to €50,000

Emergency Out-Patient Treatment for an acute medical condition which arises suddenly whilst you are traveling in the USA or Canada

Not Covered

Up to €1,500

International Emergency Medical Cover (Repatriation; Evacuation and Mortal Remains)

Full Refund of Reasonable Charges within the Area of Cover

Cover for Newly-Diagnosed (i.e. diagnosed after date of joining) Chronic Medical Conditions - Subject to a 12 month Moratorium from date of joining

Routine Follow-Up Consultations or In-Patient Treatment of newly-diagnosed Chronic Medical Condition. In-Patient Treatment limited to 14 days per year.

Not Covered

Up to €2,500 per year

Kidney Dialysis for newly-diagnosed Acute Kidney Failure

Not Covered

Up to €20,000 for your lifetime

Additional Benefits

Funeral Expenses

Not Covered

Up to €1,000 per year

Second Medical Opinion Service

Not Covered

Up to €1,000 per year

24/7 Emergency Assistance Call Centre

Not Covered

Up to €750 per year

Up to €2,500 per year

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ESDI Health Insurance Plan Policy Documentation

Policy Document

Download the Policy Document for a full description of cover and exclusions.

Download