Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
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:
What health insurance costs in Malta, and why it's priced annually
At age 18, Regency's EU-region plans; the same region Malta sits in; start from $392 a year for Essential cover and run up to $1,906 a year for Fully Comprehensive, with Major Medical, Standard, and Comprehensive priced in between. Price moves with age and plan tier. There's no medical exam and no question about anyone's current condition; same-day cover begins as soon as the policy is paid.
Malta's Nomad Residence Permit insurance requirements add a rule most destinations skip: cover has to run EU and UK-wide for one full year, with the premium paid in advance, and travel insurance isn't accepted in its place. A foreign policy that meets those points is explicitly acceptable to the Residency Malta Agency (verified July 2026); it just has to be built to that one-year, prepaid shape from the outset.
Real examples: five tiers at age 40, 55, and 65
Here's how the same five tiers price out at three ages, EU-region rates, annual premium first with the monthly installment figure alongside it for reference.
| Age | Essential | Major Medical | Standard | Comprehensive | Fully Comprehensive |
|---|---|---|---|---|---|
| 40 | $589/yr ($57/mo) | $1,081/yr ($104/mo) | $1,804/yr ($174/mo) | $2,475/yr ($239/mo) | $3,094/yr ($299/mo) |
| 55 | $926/yr ($90/mo) | $1,701/yr ($164/mo) | $3,199/yr ($309/mo) | $4,334/yr ($419/mo) | $5,418/yr ($524/mo) |
| 65 | $1,731/yr ($167/mo) | $3,180/yr ($307/mo) | $5,367/yr ($519/mo) | $6,917/yr ($669/mo) | $8,646/yr ($836/mo) |
The monthly figures are Regency's real installment price for paying month to month, not the annual total divided by twelve; monthly billing carries its own loading. Age caps apply: up to 80 for Essential, up to 70 for the other four tiers.
Family pricing: what children add
Children age 0 to 17 are priced flat, the same figure regardless of how old the adults on the policy are or which age band they fall into.
| Plan | Child (0-17), per year |
|---|---|
| Essential | $308 |
| Major Medical | $566 |
| Standard | $853 |
| Comprehensive | $1,151 |
| Fully Comprehensive | $1,439 |
Every household member is priced separately by age and added together for the family total. The pricing calculator gives the exact combined number for a specific household.
Why Malta's permit makes annual billing the default
The Nomad Residence Permit doesn't just favor annual billing, it's built around it. The rule is one full year of EU-and-UK cover with the premium paid in advance, and travel insurance isn't accepted as a substitute. Paying annually is what produces a policy schedule worded for the agency; a single twelve-month term, paid in full from day one.
Monthly billing still exists for anyone comparing costs, but it doesn't produce that prepaid-year document: each month is its own real payment rather than one upfront term, so it isn't the shape the agency's file is looking for. Cover on these plans runs from US$1,000,000 to US$2,000,000, excludes pre-existing conditions and US treatment, starts the same day with no medical exam, and carries a 14-day cooling-off period.
Next: use the calculator to see the exact annual number for a given age, check the full list on the permit checklist, or start a quote once a tier fits.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.