Health Insurance for Students in Malta
Students from India and Pakistan need two kinds of insurance: travel medical insurance for the visa, then health insurance for the residence permit (the card that lets you live in Malta as a student). Money is in euro (EUR).
Student Insurance Plan • Malta
Insurance Rules for Malta
You need insurance at two steps.
Why You Need Health Insurance
- Students from outside the EU get free public care only in an emergency.
- Private clinics and hospitals charge you.
Legal Requirements
- Visa: at least €30,000 travel medical cover, valid in all Schengen countries.
- Permit: at least €100,000 cover with hospital care in Malta and, if needed, other European countries.
- Permit insurance must last for your whole stay.
Insurance Approaches for Different Students
For the visa
Travel medical insurance of at least €30,000, valid in all Schengen countries (the European countries that share one visa).
For the permit
Health insurance of at least €100,000, for your whole stay, unless you study at UM, MCAST or ITS.
If you apply for your permit without the right insurance, it can be turned down, unless you are exempt (you do not need it).
Rules by School
Who needs private insurance for the permit.
University Health Insurance Costs
| University | Waiver Allowed |
|---|---|
| University of Malta (UM) | Exempt from the permit insurance rule |
| MCAST | Exempt from the permit insurance rule |
| Institute of Tourism Studies (ITS) | Exempt from the permit insurance rule |
| Other universities and colleges (such as private universities) | Need at least €100,000 health cover |
*Costs shown may vary. Always check with your specific university for current rates.
Which Cover You Need
It depends on the step and on your university or college.
Getting Care in Malta
Where to go when you are sick.
Healthcare System Basics
- Mater Dei is a state hospital a few metres from the UM Msida campus.
- Health centres give primary (first-step) care in towns across Malta and Gozo.
- Bring enough of any regular medicine, with your doctor's prescription.
Step-by-Step Care Guides
Emergency
- 1Go to Mater Dei Hospital's Emergency Department, open 24 hours.
- 2Or call 112.
Feeling unwell
- 1Go to the health centre (polyclinic) for your area.
- 2Or a private clinic or pharmacy clinic, which will charge you.
Questions and Links
Quick answers and useful links.
Official Government Resources
Identità (Malta's permit office) study permit page
The insurance rule and who is exempt.
Visit Resource →Emergency Contacts
Emergency
112Police, ambulance and fire. Free to call.
Important: Save the local emergency numbers in your phone before you travel.
Frequently Asked Questions
Who does not need private insurance for the permit?
Students at the University of Malta (UM), the Malta College of Arts, Science and Technology (MCAST) and the Institute of Tourism Studies (ITS) do not need private health insurance for the residence permit.
Is public healthcare free for me?
No. Students from outside the European Union (EU) get free care at Malta's state hospitals and health centres only in an emergency. Private clinics charge you.
Do I need insurance on the post-study permit (the permit to stay 9 months after you finish)?
Yes. You need health insurance for your whole 9-month stay after graduation too.
How long must my visa insurance last?
India: at least 91 days from your travel date. Pakistan: at least 120 days in a row. Both: valid in all Schengen countries, at least €30,000.
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