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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:
Malta's rule: the friendliest in our eight, and its two traps
Malta runs the most workable rule of the eight countries we cover, but it still has two traps that catch movers out. The Nomad Residence Permit requires health insurance covering the EU (including Malta) and the UK; not just Malta alone, and not a policy that stops at the Schengen border. That's trap one: the territory line.
Trap two is the prepaid year: the policy has to be for one full year with the premium paid in advance, not month-to-month, and travel insurance is not accepted for this permit. Get both details right and a foreign policy meeting the requirements is explicitly acceptable to Residency Malta Agency, verified July 2026; full breakdown on our Nomad Residence Permit insurance page.
How we arrange Malta cover: the rail, and honest limits
We work with one insurer across all eight countries we serve, with annual limits from US$1,000,000 to US$2,000,000 depending on the plan you choose; Essential, Major Medical, Standard, Comprehensive, or Fully Comprehensive. For the Nomad Residence Permit specifically, we recommend Comprehensive: enough headroom to sit comfortably inside the requirements, with every policy we arrange worded for the agency so the EU-plus-UK territory and the one-year prepaid term are stated exactly as the rule requires.
Cover starts the same day, with no medical exam and a 14-day cooling-off period. Children 0-17 sit on a flat rate, pre-existing conditions are excluded, and treatment inside the US is not covered; new applicants are accepted up to age 70 (80 on Essential). Because nomad-permit holders sit outside Malta's public system, private cover is doing all the work; see how the Maltese system fits together.
Where every answer lives
Permit rule in full: the Nomad Residence Permit insurance page walks through the requirement clause by clause. Nationality-specific detail: Americans moving to Malta and UK citizens moving to Malta each get their own page for the questions unique to that passport.
Real prices, not estimates: Malta insurance prices by age are published, and your exact household number is one form away at pricing. Already have a policy and just need it checked against the rule? Run it through policy check, or start a quote when you're ready to arrange cover worded for the agency.
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.