Health insurance renewal in Malta
How to renew health insurance — how it works anywhere
Renewing private health insurance in Malta typically involves contacting the insurance provider before the current policy's expiration date, reviewing the updated policy terms, and arranging for payment. The process is generally straightforward as the insurer often initiates contact.
It is advisable to start the renewal process a few weeks to a month before the current policy's expiration. This allows sufficient time to review new terms, compare options if desired, and ensure continuous coverage without any gaps, especially if there are changes to premiums or benefits.
Start 30 days ahead
To allow for review of new terms, comparison of options, and processing of the renewal.
We earn a commission if you use this link. It costs you nothing, and it doesn't change what this guide says. If your current arrangement is already good, keep it.
The process
- 1Receive renewal notice and updated policy terms from the current health insurance provider, typically sent a few weeks before expiration.
- 2Review the proposed new terms, benefits, and premium for the upcoming policy period.
- 3Contact the insurance provider if there are any questions, if changes are needed, or to confirm acceptance of the renewal terms.
- 4Arrange for payment of the renewal premium according to the provider's instructions.
What to bring
- Current health insurance policy number
- Any personal identification documents if requested by the insurer (e.g., ID card, passport)
- Payment method for the premium
Who handles it
Private Health Insurance Providers operating in Malta
The cost for health insurance renewal varies significantly based on the chosen provider, the level of coverage, the age and health status of the insured, and other factors. The specific premium for renewal will be provided by the insurance company in their renewal offer.
What commonly goes wrong
- Failing to review the renewal terms: Premiums, benefits, and exclusions can change, so it is important to read the new policy details.
- Missing the payment deadline: Non-payment by the due date may result in a lapse in coverage.
- Not comparing options: While renewing with the same provider is convenient, reviewing offers from other insurers might yield more suitable or cost-effective plans.
- Changes in personal circumstances: Informing the insurer of significant life changes (e.g., change of address, family status) can affect policy terms and validity.
Sources
- Malta Citizens Advice Bureau - Health citizensinfo.gov.mt
- Malta Financial Services Authority (MFSA) - Insurance Undertakings mfsa.mt
Don't rely on remembering
Renewals here take about 30 days to start. Add this document and Duratum will tell you when that window opens.