Bonnici Insurance Agency Limited
 


Personal Lines Insurance
Health Insurance in Malta
IntroductionSummaryExtensions


HEALTH INSURANCE SCHEMES: In-Patient
& Out-Patient Cover
 


Basic Scheme
In-Patient & Out-Patient cover
Hospital 
Scheme
In-Patient & Out-Patient cover
International Scheme 
In-Patient & Out-Patient cover

Day-case & In-patient Treatment 

Hospital accommo-
dation, including Intensive
care; nursing care and ward prescribed drugs 

Up to €175  (Lm75.13) per night
Maximum
5 nights per episode
Up to €120 (Lm51.52) per episode for Day Surgery

Full Refund

Full Refund
Parent accommo-
dation -
staying with a child under 14		 Up to €24 (Lm10.30) per night. Maximum 5 nights per episode
Full Refund
Full Refund
Operating theatre charges,
drugs and surgical dressings;
eligible prosthesis		 Per Operation up to:
Major:
€350 (Lm150.26)
Intermediate:
€240 (Lm103.03)
Minor:
€120 (Lm51.52)
Eligible prosthesis:
€338 (Lm145.00)

Full Refund

Full Refund


Surgeons'
and Anaesthetists' fees for surgical operations		 Per Operation up to:
Major:
€940 (Lm403.54)
Intermediate:
€700 (Lm300.51)
Minor:
€350 (Lm150.26)

Full Refund

Full Refund
Consultant Physicians visits and medical consultations Up to €60 (Lm25.76) per day. Maximum 6 days per episode
Full Refund
Full Refund
Pathology, radiology, diagnostic tests and physiotherapy Up to €165 (Lm70.83) per policy year
Full Refund
Full Refund
Computerised Tomography Scan (C.T. Scan) and Magnetic Resonance Imaging (MRI)
Up to €165 (Lm70.83) per episode
Full Refund
Full Refund
Psychiatric, Nervous
And Mental conditions
 Up to €175 (Lm75.13) per night.
Maximum 5 nights per episode
Full Refund
Full Refund
Cancer Treatment
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
Up to €175 (Lm75.13) per night.
Maximum 5
nights for each
course of treatment


Full Refund


Full Refund
Out-Patient Treatment
Professional fees for specialist consultations , diagnostic procedures including pathology, physiotherapy, radiology and ECG Maximum of
€240 (Lm103.03) per policy year		 Up to €600 (Lm257.58)
per policy year		 Full Refund
CT Scans and MRI's referred by a Specialist Up to €165 (Lm70.83) per policy year Up to €600 (Lm257.58)
per policy year		 Full Refund
Oncology-
related CT Scans and MRI		 Up to €240 (Lm103.03) per policy year Full Refund Full Refund
Mini-minor procedures performed by a general practitioner under local anaesthetic Up to €50 (Lm21.46) procedure fee per episode
Up to €50 (Lm21.46) surgery fee per episode		 Up to €50 (Lm21.46) procedure
fee per episode
Up to €50 (Lm21.46) 
surgery fee per episode		 Up to €50 (Lm21.46) procedure fee per episode
Up to €50 (Lm21.46) surgery fee per episode
Emergency Road Ambulance
Emergency local road ambulance Up to €600 (Lm257.58) per policy year Up to €600 (Lm257.58)
per policy year		 Full Refund
Nursing Care
Home nursing by a professional nurse following a surgical intervention and if prescribed by a specialist Up to €190 (Lm81.57) per week
Up to 15 weeks per policy year		 Up to €190 (Lm81.57) per week
Up to 15
weeks per policy year		 Up to €190 (Lm81.57) per week
Up to 15 weeks per policy year
MMDNA Nursing Care As required As required As required
Alternative Therapy
Osteopathy,
Homeopathy,
Acupuncture,
Chiropractic
Treatment		 Not covered Up to €470 (Lm201.77)
per policy year		 Full Refund
Emergency Dental Treatment
Eligible Dental Treatment Not covered Up to €470 (Lm201.77)
per policy year		 Up to €700 (Lm300.51) per policy year
General Practitioner's Charges
General Practitioners' Charges Up to €60 (Lm25.76) per policy year Up to €60 (Lm25.76)
per policy year		 Up to €60 (Lm25.76) per policy year
Cash Benefits

Cash Benefit - for treatment received in a State or Private hospital for a medical condition as a non-paying patient		 €24 (Lm10.03) per night for up to 40 nights each policy year €35 (Lm15.03)
per night for
up to 40 nights each policy year		 €50 (Lm21.47) per night for up to 40 nights each policy year
Day-case - following day surgery as a non-paying patient €24 (Lm10.03) per episode €24 (Lm10.03)
per episode		 €35 (Lm15.03) per episode
Maternity cash benefit
 Not covered
 €240
(Lm103.03) Per newborn
child / episode		 €470 (Lm201.77) Per newborn child / episode
Other
Prescription Drugs following a surgical procedure
 Not covered Up to €105 (Lm45.07)
each policy year
 Up to €105 (Lm45.07)
each policy year
Cover for funeral expenses Up to €1,200 (Lm515.16)
Up to €1,200 (Lm515.16) Up to €1,200 (Lm515.16)


Annual overall Maximum payable per person

 

 €120,000 (Lm51,516) €120,000 (Lm51,516) €175,000 (Lm75,130)

 

 


HEALTH INSURANCE SCHEMES: In-Patient Cover Only
 

Basic Scheme
(In-Patient
Cover Only)

 Hospital Scheme
(In-Patient 
Cover Only)

Day-case & In-patient Treatment 

Hospital accommodation, including Intensive
care; nursing care and ward prescribed drugs 

 Up to €175  (Lm75.13) per night
Maximum 5 nights per episode
Up to €120 (Lm51.52) per episode for Day Surgery

Full Refund
Parent accommodation - staying with a child under 14 Up to €24 (Lm10.30) per night. Maximum 5 nights per episode
Full Refund
Operating theatre charges, drugs and surgical dressings; eligible prosthesis Per Operation up to:
Major:
€350 (Lm150.26)
Intermediate:
€240 (Lm103.03)
Minor:
€120 (Lm51.52)
Eligible prosthesis:
€338 (Lm145.00)

Full Refund


Surgeons' and Anaesthetists' fees
for surgical operations		 Per Operation up to:
Major:
€940 (Lm403.54)
Intermediate:
€700 (Lm300.51)
Minor:
€350 (Lm150.26)

Full Refund
Consultant Physicians visits and medical consultations Up to €60 (Lm25.76) per day. Maximum 6 days per episode
Full Refund
Pathology, radiology, diagnostic tests and physiotherapy Up to €165 (Lm70.83) per policy year
Full Refund
Computerised Tomography Scan
(C.T. Scan) and Magnetic Resonance Imaging (MRI)
Up to €165 (Lm70.83) per episode
Full Refund
Psychiatric, Nervous
And Mental conditions
 Up to €175 (Lm75.13) per night. Maximum 5 nights per episode
Full Refund
Cancer Treatment
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

Up to €175 (Lm75.13) per night.
Maximum 5 nights for each course of treatment


Full Refund
Other Benefits
Emergency Road Ambulance
Emergency local road ambulance Up to €600 (Lm257.58) per policy year Up to €600 (Lm257.58)
per policy year
Cash Benefits

Cash Benefit - for treatment received in a State or Private
hospital for a medical condition as a non-paying patient		 €24 (Lm10.03)
per night for up to 40 nights each policy year		 €35 (Lm15.03)
per night for up to 40 nights each policy year
Day-case - following day surgery as a non-paying patient €24 (Lm10.03)
per episode		 €24 (Lm10.03) per episode
Funeral Expenses
Cover for funeral expenses Up to €1,200 (Lm515.16)
Up to €1,200 (Lm515.16)


Annual overall Maximum payable per person

 

 €120,000 (Lm51,516) €120,000 (Lm51,516)

 Purpose of policy

The purpose of the policy is to provide cover for the customary and reasonable fees of recognised Treatment, which is medically necessary for acute medical conditions and injuries.

This policy is not intended to cover experimental or unproven Treatment, but should such situations arise we will discuss these with the beneficiary's specialist and decide whether the cost of the proposed Treatment is covered. Claims will be paid for those items specified in the policy benefits (up to the amounts stated, if applicable).

The Middlesea Health Insurance Basic and Hospital Schemes will provide cover for Treatment received in the Maltese Islands only, however, if the insured or a member of his family requires emergency Treatment whilst he / she are outside of the Maltese Islands, then the Middlesea Health Insurance Basic and Hospital Schemes will cover the cost for the Treatment received up to the same level as what would have been paid had the same Treatment been received in Malta.

The Middlesea Health Insurance International Scheme will provide cover for Treatment received in Malta and Worldwide excluding USA and Canada.




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