Solution · Malta 2026
Nomad Insurance — Powered by SafetyWing
FreeMalta's health and travel insurance solution for remote workers, digital nomads and expats living in or moving to Malta. Calculate your price below — buy directly, covered immediately.
Medical coverage
$250K
per policy period
Countries covered
180+
worldwide
Price (under 40)
~$63
per 28 days
Waiting period
None
covered immediately
What's Covered — Nomad Insurance Essential
Medical
$250,000
Per policy period. Hospital, doctor visits, prescriptions, emergency treatment.
Emergency
$100,000
Emergency evacuation and repatriation to home country if needed.
Travel
$3,000
Trip interruption. Lost luggage up to $3,000. Travel delay after 12 hours.
Dental
$1,000
Emergency dental treatment. Dental pain relief included.
Deductible: $250 per policy period. Pre-existing conditions: Not covered for the first 6 months, then covered up to $3,000 per year. Home country: Covered for up to 30 days while visiting home. US travel: Optional add-on — increases premium.
Nomad Insurance Essential
Most popular
The core SafetyWing product — designed for remote workers and expats who are based in one place but travel regularly. Subscribe on a rolling 28-day basis, pause when you go home, cancel any time. No medical exam, no waiting period.
$250,000 medical coverage per policy period
Covers 180+ countries — follow wherever you go
Subscribe monthly — pause or cancel any time
No medical exam, no waiting period
Children under 10 covered free (2 per adult)
COVID-19 treatment covered
Pre-existing conditions not covered first 6 months
Remote Health — For Businesses
Teams
If you're a Malta company with a remote or international team, SafetyWing Remote Health is group health insurance built for distributed teams. Annual premium, comprehensive coverage, one plan for your whole team wherever they are.
Annual group health insurance for remote teams
Comprehensive coverage including pre-existing conditions
One plan covers employees in multiple countries
Mental health, dental and vision available as add-ons
Maternity coverage included
Who is SafetyWing for in Malta?
Nomad Permit holders
The Malta Nomad Residence Permit requires proof of health insurance. SafetyWing Nomad Insurance meets this requirement — international coverage from day one.
New arrivals in Malta
Just moved to Malta? Public healthcare access takes time to establish. SafetyWing covers you while you're waiting for your residence card, single permit or EHIC to activate.
Frequent travellers from Malta
Based in Malta but travel regularly for work? SafetyWing follows you — 180+ countries, continuous subscription, no per-trip purchase needed.
Malta companies with remote teams
Hired through Deel EOR in multiple countries? SafetyWing Remote Health gives your entire distributed team one group health plan — one invoice, full coverage.
Covered from day one. Cancel any time.
International health and travel insurance for expats and remote workers in Malta. No medical exam, no waiting period, no annual commitment.
FreeMalta affiliate link — we may earn a commission at no cost to you.
SafetyWing
FreeMalta Solution Partner
International health and travel insurance for nomads and expats. From ~$63/month. Covered immediately, cancel any time.
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Affiliate link · No extra cost to you
Key Facts
Medical coverage$250,000
Deductible$250/period
Price (under 40)~$63/28 days
Price (40–49)~$100/28 days
Countries covered180+
Children (under 10)Free (2 per adult)
CommitmentNone — cancel anytime
Moving to Malta?
Single Permit, MPRP — all the rules explained.
Single Permit
Context
Healthcare in Malta — What Expats Need to Know
Public Healthcare Access in Malta
EU citizens with an EHIC card can access Malta's public healthcare on the same basis as Maltese residents. Non-EU nationals need a valid single permit or residence card. The public system (Mater Dei Hospital) is good but can be slow for non-emergencies. Private healthcare is faster but expensive without insurance.
Nomad Permit Insurance Requirement
The Malta Nomad Residence Permit application requires proof of health insurance covering your entire stay. SafetyWing Nomad Insurance meets this requirement. Keep your policy active and renewed — if your insurance lapses, your permit conditions are technically not being met.
SafetyWing vs Private Malta Insurance
Traditional Maltese private health insurance (Mapfre, GasanMamo, Atlas) offers local coverage but is more expensive, requires annual commitment, and involves a full medical underwriting process. SafetyWing is faster to activate, cheaper for most age groups, and covers you internationally — not just in Malta. The tradeoff: local insurers may have better direct billing with Maltese private hospitals.
FreeMalta's Position
FreeMalta doesn't provide insurance advice. SafetyWing is our recommendation for expats, nomads and remote workers who need international health coverage in Malta without the friction of traditional insurance. For long-term Malta residents with stable healthcare needs, a local private health plan may be worth considering. We earn an affiliate commission when you purchase through our link.
Frequently Asked Questions
Does SafetyWing cover me in Malta?
Yes. SafetyWing Nomad Insurance covers you in 180+ countries including Malta. If you're living in Malta, your medical expenses at private hospitals and clinics are covered up to $250,000 per policy period, subject to the $250 deductible. EU citizens: your EHIC covers public healthcare in Malta, so SafetyWing is most useful for private healthcare, travel outside Malta, and as a backup if you're between EHIC renewals.
Does SafetyWing meet the Malta Nomad Permit insurance requirement?
Yes. The Malta Nomad Residence Permit requires proof of health insurance covering your stay. SafetyWing Nomad Insurance provides international health coverage that satisfies this requirement. Keep your subscription active and renewed — a lapsed policy technically violates your permit conditions.
How much does SafetyWing cost in Malta?
Use the price calculator above — it calculates your exact price based on age and travel dates. As a reference: under 40 years old, approximately $62.72 per 28 days (~$56/month). 40–49 years, approximately $100 per 28 days. Prices increase with age. Adding US travel coverage increases the premium significantly. Children under 10 are covered free (up to 2 per adult).
Is there a waiting period for SafetyWing?
No waiting period for most conditions — you're covered from the day your policy starts. Exception: pre-existing conditions are not covered for the first 6 months of your policy. After 6 months, pre-existing conditions are covered up to $3,000 per year.
Can I cancel SafetyWing at any time?
Yes. SafetyWing operates on a rolling 28-day subscription. You can cancel at any time and your coverage continues until the end of your current 28-day period. No cancellation fees, no annual commitment. You can also pause your subscription when visiting your home country (covered up to 30 days per policy period).
Does FreeMalta earn commission from SafetyWing?
Yes. FreeMalta is a SafetyWing Ambassador — when you purchase through the FreeMalta link or the calculator on this page, we earn a commission at no additional cost to you. We recommend SafetyWing because it genuinely solves the health insurance gap for expats and remote workers in Malta — not because of the commission.