Malta
Malta operates a publicly funded healthcare system providing universal healthcare access to residents alongside a growing private healthcare sector. While public healthcare is widely accessible, local and international families primarily use private providers for faster access and enhanced standards of care.
This Malta overview provides a snapshot of the country’s demographic, socioeconomic, and healthcare landscape. For globally mobile individuals and families, such indicators help compare countries before relocating.
Beveridge (public-dominant, tax-funded)
Universal coverage
Moderate
Moderate
542’050
42.6
64.7 / 100
48th
4.1 per 1’000
USD 3’782.14
83
USD 7'591.04
How the Healthcare
System Works
Malta’s national healthcare system (NHS) is primarily funded through taxation and provides universal access to public healthcare services through government hospitals and healthcare centres. However, private healthcare plays a dominant role. Around 70% of primary care consultations are accessed through private healthcare providers.
The country provides most secondary and tertiary treatment domestically, particularly through its public hospital system. However, as a small island state, it cannot provide every highly specialised service locally. Patients regularly travel abroad for more complex medical care.
Expatriates and higher-income residents mostly utilise private healthcare facilities for shorter waiting times and wider provider choice. Private hospitals are well established and play an important role within Malta’s healthcare sector.
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Private Medical Insurance
in Malta
Private and international private medical insurance in Malta is commonly used to supplement the public healthcare system. It is especially important for greater freedom of choice for medical care abroad. Employer-sponsored coverage is less common, with most private healthcare cover arranged independently.
Premiums are comparatively low by European standards, even with international coverage allowing individuals to travel to other European countries for specialised care.
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Expected Premium Levels
Premiums reflect the scope of protection and the level of service. The most significant factors impacting the premium are the country of residence, age, area of cover, benefit level and scope of cover, deductibles, and sometimes restrictions on medical provider access. International private medical insurance plans can be tailored to individual needs and preferences to balance comprehensive global access with budget availability.
For very comprehensive international private medical insurance, with little to no out-of-pocket costs, the following are the premium levels to be expected for someone who is resident in Malta.
| Persona | Profile | Average annual premium (USD) |
|---|---|---|
| Persona 1 | 35-year-old male | 7'179.21 |
| Persona 2 | 50-year-old female | 9'870.79 |
| Persona 3 | 24-year-old female | 5'723.13 |
Contact Us
Whether you are looking for a medical concierge service, long-term health management, or private health insurance, our team is here to help. Get in touch to discuss your needs and discover how we can support you.