Malta Travel Insurance

Secure Your Malta Visit with Malta Travel Insurance

Malta is a captivating island country in Southern Europe. The nation has much to offer, including a rich history and a unique European vibe! Whether you are planning a solo trip or a perfect family vacation, this destination will never disappoint you! Malta promises something for everyone, from basking on the pristine beaches to exploring mediaeval towns.

Can Malta as a destination satisfy the adventure freak inside you? Oh yes! You can also experience adventurous activities such as diving and paragliding in the country.

However, travelling to a foreign country as happening as Malta requires securing your trip beforehand! Thus, while you plan a trip to Malta, you should secure it with Malta Travel Insurance. This page will educate you about the needs, requirements, coverage and exclusions of Malta Travel Insurance from Care Health Insurance. First, let us disclose whether Malta travel insurance is mandatory.

Is Having a Malta Travel Health Insurance Mandatory?

Malta is an island country guarded by European boundaries. And for Indians to visit this European country, having travel health insurance is a prerequisite.

Carefully bought travel insurance for Malta helps you remain protected from unanticipated events such as emergency hospitalisations, loss of belongings, trip delays, cancellations of trips etc.

With a travel insurance covering your trip, you can be at peace from unexpected trip hiccups and do what you ought to do- “TRAVEL WORRY FREE”.

When Can Travel Insurance for the USA be Helpful?

If you plan to take a trip to Malta, travel insurance shall ensure that you take a safe one! The scenarios when Malta travel insurance can be helpful are as follows:

• During a medical emergency: If you encounter a medical emergency that requires hospitalisation, Malta travel insurance shall be to your rescue to take care of the expenses while you recover from the illness.
• If you lose your checked-in belongings: Incidents such as loss of belongings may derail your precious belongings and your trip finances. In such times, travel insurance for Malta shall compensate for lost belongings under the baggage insurance as per the terms & conditions.
• During emergency evacuation: Malta Travel insurance can also help when you find yourself stuck in a medical emergency that requires emergency evacuation to the home country.
• Under charges of personal liability: Suppose you have been charged with liability charges during your Malta trip. In such a case, your Malta travel insurance can come to your rescue upon verifying the backstory of the incident.
• In times of unfortunate death: God forbid if you or an insured member ends up losing their lives during your trip to Malta, your travel insurance for Malta shall cover the devastating events followed by death, such as the cost of repatriation of mortal remains or cremation in the land of Malta.

What are the Main Features of Care’s Malta Travel Insurance?

As we know that Malta is an Island country in the Mediterranean Sea in Southern Europe, travel insurance for Malta is a prerequisite to visit the country. Thus, to apply for a Malta visa for Indians, you should have appropriate travel insurance for Malta. Mentioned below are a few features of Malta travel insurance from Care Health Insurance:

• Affordable Premium: At Care Health Insurance, Travel insurance for Malta from India is made to fit not just your trip-related requirements but also your pocket.
• Automatic Trip Extension: If you’ve been prescribed for an extended stay due to covered reasons, you can extend your Malta travel insurance from Care Insurance for up to 7 days.
• Cashless Claim Processing: Care’s Malta travel insurance provides cashless hospitalisation facilities at various healthcare centres in Malta.
• All-inclusive Protection: We wish to be by your side when your loved ones can not be. Thus, at Care Health Insurance, we provide round-the-clock financial assistance so that you can reach out to us whenever in times of an emergency during your trip.
• Useful Add-on Benefits: Malta Travel insurance helps you secure frequent and long-duration trips with new-age coverage such as PED coverage, refund of visa fees, etc.

*The above-mentioned features of Care travel insurance are for reference purposes only. Please refer to the brochure for more details on product features.

Care Travel Insurance for Malta: Plan at a Glance

Malta is a European country. Hence, to be able to apply for a Malta visa, Indian tourists should have a valid Schengen travel insurance. Below, we have tabulated the plan highlights for Schengen travel insurance for Malta:

What is Covered Under Malta Travel Insurance?

At Care Health Insurance, Malta travel insurance is designed to meet the trip-related needs of insured travellers. Read on to understand the medical, non-medical and trip-related coverage provided under travel insurance for Malta from India.

• Emergency Hospitalisation: Malta travel insurance indemnifies expenses incurred due to emergency hospitalisation.
• COVID-19 Coverage: Your Malta travel insurance from Care Health Insurance provides standard coverage costs if you encounter a hospitalisation due to Covid-19 coverage.
• Personal Accident: If the insured member faces an accident during the trip, Care’s Malta travel insurance compensates up to 100% of the sum insured. The insurance company shall also be covered up to 100%, depending on the type of injury.
• Treatment in your home country: If your doctor suggests extended treatment in your home country, the Malta travel insurance covers it for up to 30 days or up to the policy end date, whichever is earlier.
• Medical Evacuation: When a doctor or authorised personnel suggests emergency medical evacuation, the travel insurance shall be covered.Malta travel insurance comes to your rescue if you need emergency medical evacuation under covered reasons.
• Trip Hiccups: The Malta travel insurance indemnifies financial losses incurred due to trip delays/interruptions/cancellations etc., given that the event has occurred under covered reasons.
• Loss of passport and checked-in baggage: If you lose your belongings after checking in at the airport, travel insurance for Malta provides coverage under covered circumstances.
• Up-gradation to Business Class: Your travel insurance for Malta from India covers the difference amount in the up-gradation of business class airfare if your doctor prescribes a business class travel for a safe and comfortable journey.

*Aforementioned are just a few coverage benefits of the Care travel insurance plan. To know the coverage in detail, please refer to the policy documents carefully.

What is Not Covered Under Malta Travel Insurance

Care’s Malta travel insurance is an all-encompassing travel insurance that can be customised per your needs. Suppose you are travelling to Malta for higher studies; then in such a case, you can opt for a student’s travel insurance for Malta, whereas travel insurance for senior citizens shall be appropriate to cover the elderly of the group.

However, along with the coverage, there come certain limitations. Mentioned below are a few exclusions that come with the Malta Travel insurance.

• Drug Misuse: Any Expenses or Liability incurred due to drug or alcohol use/misuse/abuse shall not be covered under the Malta travel insurance.
• Self-inflicted Injury: Expenses incurred while treating self-inflicted injuries such as suicide attempts shall not be covered under the Malta travel insurance.
• Breach of Law: Liabilities or harms incurred to a third party due to a breach of the law shall not be covered under travel insurance for Malta.
• World War: Claims arising due to national or international war, nuclear perils, or other consequences shall not be covered under Malta travel insurance.
• Hazardous Activities: Any claims relating to hazardous activities that are otherwise not mentioned in the policy documents shall not be covered.
• Dental Treatment: Claims arising for planned dental surgery shall not be approved unless necessitated by the dentist on paper.

Note: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

Factors Affecting the Premium of Malta Travel Insurance

There are several factors that can affect the premium of Malta travel insurance.

• Nature of the Trip: Whether you purchase multi-trip or single-trip travel insurance makes, the premium vary greatly. Multi-trip travel insurance comes at a higher premium, whereas single-trip travel insurance comes at a lower premium. However, a travel insurance for multiple trips is a great option if you are a frequent flyer and wish to skip the hassle of buying a single-trip policy every time you travel during the year.
• Trip Duration: Your Malta travel insurance premium varies greatly based on your trip duration. More the number of days to be travelled, the higher the premium.
• Medical History: Pre-existing diseases may increase your policy’s premium. However, you should not hide any existing ailments from your insurance agent. As the same may lead you to trouble if your pre-existing ailments catch up with you in a foreign land.
• Coverage: You should deeply evaluate the coverage section to know what is covered. Remember, the higher the coverage, the higher shall be the premium.
• Exclusions: Exclusions in your Malta travel insurance are inversely proportional to your plan’s premium. However, the higher the exclusions, the higher becomes the chances that you will remain uncovered during an emergency abroad!

How to File a Claim?

At Care Health Insurance, the claim settlement team helps you with an easy claim approval and address procedure. We ensure you do not have to face unnecessary hassles and rejections in times of need.

Types of Malta Visa

Depending on your purpose of visit to Malta, Visas can be of multiple types.

• Golden Visa for Malta: A golden visa for Malta is a citizenship visa for individuals who wish to invest in the country.
• Malta EU Blue Card: The EU Blue Card visa for Malta allows non-EU citizens to work in a European country, including Malta.
• Malta Work Visa: The work visa for Malta is for non-European or Non-Switzerland citizens who wish to stay and work in Malta.
• Transit Visa for Malta: Transit visa for Malta is for Non-Schengen visa-holding travellers who wish to transit in Malta.
• Malta Student’s Visa: If you wish to pursue higher education in Malta, then a Malta Student Visa is one you need.
• Malta Visa for Family: Malta visa for family members is issued to people who are the spouse or minor children of a Maltese citizen or an individual with Maltese citizenship.
• Malta Schengen Visa: Malta Schengen visa allows you to visit multiple countries in the Schengen region for less than 90 days.

How to Apply for a Malta Visa from India?

To enter the Maltese boundaries, there are three major requirements: A valid passport, a Maltese Visa, and Travel Health Insurance.

You can apply for an Indian passport if you do not have one and purchase travel health insurance from Care Health Insurance to enjoy worry-free travel. Whereas to apply for a Malta Visa conveniently, you can follow the below-mentioned steps.

• Firstly, you need to determine your purpose of visiting Malta.
• Once you determine the purpose of your visit, book an appointment at the nearest Malta consulate.
• Download the specific Visa application form and fill in the asked information carefully. For instance, if you are applying for a student visa to Malta, download the visa application form for Students and fill it out carefully.
• Further, collect all the documents per the instructions and attest to them with the form.
• Once filled, submit the form and documents to the visa consulate website and pay the visa application fee.
• Once done, wait for the notification for the visa application. You may receive the interview notification through mail or SMS within 15-20 working days.

Important Facts About Malta