Health Insurance

With you every step of the way
We take pride in delivering quality health insurance that is affordable and that provides you and your family with peace of mind. Our different levels of cover provide cover for eligible treatment of acute medical conditions. By acute we mean, an unexpected disease, illness or injury that is likely to respond quickly to treatment

Advantages of having health insurance

  • You will be eligible for cover in private hospitals and clinics
  • You may choose the consultant and specialist of your choice
  • You will plan the date of treatment and avoid waiting lists
  • Depending on your level of cover we may arrange to pre-authorise your treatment and have direct settlement with the hospital


Our Health Insurance Plans

Elmo Health Insurance plans offer different levels of cover to Maltese residents under the age of 60

Level 1 – Health 123

This plan offers an in-patient cash benefit for local state or private hospitalisation for an accidental bodily injury or illness which exceeds a 24 hours in-patient stay 

Level 2 – Limited Plan

This is a limited refund plan for eligible treatment received in Malta for in-patient and out-patient treatment 

Level 3 & 4 – Hospital Plan

These plans provide a full refund for all eligible customary and reasonable fees for in-patient and day-patient treatment received in Malta. Level 4 also includes generous out-patient benefits 

Level 5 – International Plan 

This plan entitles you for eligible treatment worldwide, excluding USA and Canada


We cover treatment of an unexpected disease, illness or injury  

Health Insurance can pay for quick diagnosis, such as MRI scans and prompt treatment of acute illness or injury. The management of any long term medical conditions are generally not covered

Our Health Insurance benefits include:

  • Hospital / Clinic accommodation fees
  • Hospital charges - operating theatre fees recovery room fees surgical drugs and dressings
  • Surgeon's and anaesthetist and physicians fees
  • Diagnostic tests
  • Radiotherapy and Chemotherapy
  • Emergency Road Ambulance

For full details about our benefits please refer to the Table of Benefits