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:
The NHS and your move to Malta
NHS entitlement is based on living in the UK. The moment you relocate to Malta, that safety net no longer covers your day-to-day life there; it's tied to UK residence, not to being a UK citizen. Since Brexit, staying in Malta beyond the short-stay window means applying for a permit, and for remote workers that's the Nomad Residence Permit, where proof of insurance sits directly in the application file.
A GHIC or EHIC card is not a substitute. It's built for necessary care during a temporary stay, not for residence cover, and it is not what the permit file asks for. Here's the wrinkle most UK movers miss: Malta's rule requires cover across the EU (including Malta) AND the UK, so the policy you actually need keeps you covered on trips back home too.
Malta's rule: friendly, but with two traps
Malta's requirement is friendly on paper: a foreign policy meeting requirements is explicitly acceptable to the Residency Malta Agency (verified July 2026), so you are not forced onto a Maltese-only plan. But two traps catch UK movers who assume their existing cover just carries over.
Trap one is territory: the policy must cover the EU (including Malta) AND the UK; a standard UK travel or domestic health plan usually won't satisfy both sides. Trap two is timing and payment: cover must run one full year with the premium paid in advance, and travel insurance is not accepted at all, no matter how comprehensive it looks. Read the fuller breakdown on our Nomad Residence Permit insurance page or see how the wider system fits together on our Malta healthcare system page.
What we arrange for UK movers
We build cover in the shape Malta's rule asks for, with a certificate worded for the agency's checklist. Limits run from US$1,000,000 to US$2,000,000, cover starts same-day with no medical exam, and there's a 14-day cooling-off period if you change your mind. Children aged 0-17 are a flat rate, and new applicants are accepted up to age 70 (Essential 80 for the older band).
We're honest about the limits too: pre-existing conditions are excluded, and US treatment is not covered. Because it's one insurer across all eight destinations we cover, your policy moves with you if your posting changes. See real Malta prices by age, check what else Malta expects on our checklist, or compare against wider Malta expat health insurance options; then get a quote built for your permit file.
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.