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If you’re planning to work in Malta, one of the first questions you might have is whether health insurance is mandatory when applying for a work visa. Malta, as an EU member state, has specific requirements for foreign workers to ensure they are protected during their stay. Health insurance plays a vital role in this process, not only for the visa application but also for long-term residence.
Health Insurance Requirement
Yes, health insurance is mandatory for Malta work visa holders. All non-EU/EEA nationals applying for a work permit or an EU Blue Card in Malta must provide proof of comprehensive health insurance.
The insurance policy must:
• Cover both inpatient and outpatient care, including hospitalization.
• Have a minimum coverage value of around €100,000.
• Be valid throughout Malta (and in some cases across the Schengen area).
• Ensure the applicant will not become a financial burden on Malta’s public healthcare system.
Without valid health insurance, your application may be refused or delayed.
Why It Matters
Health insurance is required not only for compliance but also to guarantee access to medical services. For foreign employees, it ensures:
• Coverage for emergencies or accidents.
• Protection from high out-of-pocket medical expenses.
• A smoother path to residency and long-term settlement.
Employers in Malta often assist foreign workers in arranging health insurance, but it is the applicant’s responsibility to ensure full compliance.
FAQs
1. Can I rely on my employer’s insurance?
Yes, if your employer provides health insurance that meets Malta’s minimum coverage requirements, you can submit that as part of your application.
2. Is travel insurance enough for the work visa??
No. Short-term travel insurance is not sufficient. You need a comprehensive health insurance policy for the full duration of your stay.
3. What if I already have private international health insurance??
You may use it, provided it meets Malta’s minimum requirements. Always ensure your policy explicitly covers you in Malta.
4. Do family members also need health insurance??
Yes, dependents applying to join you must also have adequate health insurance coverage.
5. Is health insurance still required once I become a resident??
Yes, until you are fully integrated into Malta’s national health system, health insurance remains mandatory.
Sources
• EU Immigration Portal – Malta Work Permits
September 8, 2025
