Health Insurance
Advantages of having health insurance
- You will be eligible for cover in private hospitals and clinics
- You may choose the consultant and specialist of your choice
- You will plan the date of treatment and avoid waiting lists
- Depending on your level of cover we may arrange to pre-authorise your treatment and have direct settlement with the hospital
Our Health Insurance Plans
Elmo Health Insurance plans offer different levels of cover to Maltese residents under the age of 60
Level 1 – Health 123
This plan offers an in-patient cash benefit for local state or private hospitalisation for an accidental bodily injury or illness which exceeds a 24 hours in-patient stay
Level 2 – Limited Plan
This is a limited refund plan for eligible treatment received in Malta for in-patient and out-patient treatment
Level 3 & 4 – Hospital Plan
These plans provide a full refund for all eligible customary and reasonable fees for in-patient and day-patient treatment received in Malta. Level 4 also includes generous out-patient benefits
Level 5 – International Plan
This plan entitles you for eligible treatment worldwide, excluding USA and Canada
We cover treatment of an unexpected disease, illness or injury
Health Insurance can pay for quick diagnosis, such as MRI scans and prompt treatment of acute illness or injury. The management of any long term medical conditions are generally not covered
Our Health Insurance benefits include:
- Hospital / Clinic accommodation fees
- Hospital charges - operating theatre fees recovery room fees surgical drugs and dressings
- Surgeon's and anaesthetist and physicians fees
- Diagnostic tests
- Radiotherapy and Chemotherapy
- Emergency Road Ambulance
For full details about our benefits please refer to the Table of Benefits