Malta
Nomad Residence Permit: health insurance requirements
Yes: health insurance is required
Yes, and it is strict about the policy type. Malta's Nomad Residence Permit requires comprehensive health insurance covering treatment and hospitalisation in Malta for the full permit period, pre-paid for a year, and travel insurance is explicitly not accepted. It is for non-EU nationals working remotely for a foreign employer, clients or their own foreign company, on income of at least €42,000 gross a year, and runs one year, renewable up to four years total.
The requirements at a glance
| Minimum policy duration | Full permit period (pre-paid one year) |
|---|---|
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | A comprehensive health insurance policy covering medical care and hospitalisation in Malta for the full permit validity, pre-paid for one year (monthly-payment policies are not accepted). Travel insurance is explicitly not accepted; a foreign policy qualifies only if it demonstrably covers Malta and Europe. No fixed minimum sum is published. |
For third-country nationals working remotely for a foreign-registered employer, as a partner/shareholder in a foreign company, or as a freelancer with mostly foreign clients; you cannot work for Maltese companies or clients. Income of at least €42,000 gross/year (raised from €32,400 for applications from 1 April 2024). One year, renewable up to three times (four years total). Fee €300/person plus €100/person for the residence card.
Our take
Malta is unusually prescriptive: it wants a proper comprehensive health policy covering Malta, paid for a year up front, and it will reject a travel-insurance certificate outright.
Buy the right product early, an annual international or Malta health plan rather than a trip policy, or the permit stalls.
What happens if you get it wrong
Submitting a travel-insurance policy, or one paid monthly, gets rejected, since the rules name both explicitly.
A foreign policy that does not clearly state it covers Malta will not satisfy the agency.
Interactive
Verified pricesWhat would it cost in Malta without insurance?
You pay, out of pocket
$3,400–$13,000
A serious private admission or common surgery.
Bars to scale. A flight home is in another league.
That is the bill you carry alone. Insurance exists for exactly this.
See what cover costsTypical private-care estimates for illustration, not a quote. Actual bills vary by hospital, city and severity.
FAQ
Comprehensive health insurance covering treatment and hospitalisation in Malta for the full permit period, pre-paid for a year. Travel insurance is explicitly not accepted.
The rule specifies comprehensive cover but publishes no fixed minimum sum. The €30,000 figure elsewhere is the separate Schengen short-stay visa rule, not this permit.
At least €42,000 gross a year, raised from €32,400 for applications from 1 April 2024.
One year, renewable up to three times, for a maximum of four years.
Only if it is comprehensive and demonstrably covers Malta (and Europe), and is pre-paid for the year. A monthly or travel policy will not do.
Reviewed by Lukas Schönberg, Founder & researcher, Nomad Insurance Broker OÜ
Nomad Insurance Broker OÜ (Estonia) is an information and matching platform, not currently registered as a regulated insurance intermediary in any jurisdiction. See /how-it-works for the full disclosure.
Source: nomad.residencymalta.gov.mtLast verified
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