Guide
Health insurance for Malta's Nomad Residence Permit
By Covered Abroad Research Desk · Last verified July 2026
The rule in writing
“Malta’s Nomad Residence Permit requires health insurance covering the EU (including Malta) and the UK, for one full year with the premium paid in advance. Travel insurance is not accepted — but a foreign health policy that meets the requirements is explicitly acceptable.”
Official source: Residency Malta Agency — Nomad Residence Permit health-insurance policy — Last verified:
The official rule — unusually clear
The Residency Malta Agency publishes the requirement on its own site: health insurance covering the European Union including Malta and the United Kingdom, in force for one full year, with the premium paid in advance. Monthly-pay policies and travel insurance are rejected.
Crucially, the agency states that a foreign health insurance policy meeting the requirements can be presented — no Malta-registered insurer required. Few countries put that in writing.
The two details that trip applicants
First, the annual prepay: a compliant policy billed monthly still fails, because the agency wants the full year paid up front. Second, the territory line: the certificate must show EU-plus-UK cover, not “worldwide” in vague terms — the officer reads the wording, not the brochure.
We arrange international cover with the certificate worded for exactly this checklist, and a person confirms the premium structure and territory line for your case before you buy.
Get the moving-paperwork checklist
The month-by-month timeline so the insurance certificate is ready before your appointment, not after.