Atlas Health Insurance for Residents of Malta
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Access the benefits of Atlas Healthcare Insurance plans

Atlas Healthcare offers various levels of cover and optional add-ons to allow you choose the right package for you.

Atlas will not provide any advice or recommendation on what insurance cover best suits your needs and requirements but will provide you with all the necessary information about the significant features, benefits, limitations and exclusions of the products which will assist you in making your decision.

This is only a short overview of the insurance provided: full details can be found in the more detailed summary of cover for our standard plans and Private Hospital Value Plus or contact us. Benefits apply per member per year unless otherwise specified.

What's covered International Private Hospital Private Hospital
VALUE PLUS		 Private Clinic
Area of Cover
Where this plan can be used Worldwide excluding USA Worldwide Worldwide Worldwide
Overall benefit
Maximum annual amount €1,000,000 €750,000 €600,000 €275,000
In-patient & daycare
1a. Hospital accommodation Full settlement of reasonable charges Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 In-patient up to €195 per night, up to 5 nights daycare up to €135 per day
1b. Theatre fees Full settlement of reasonable charges Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Up to €400
Sub limits apply
2. Surgeon's and anaesthetist's fees Full settlement of reasonable charges Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Up to €1400
Sub limits apply
3. Physician's charges Full settlement of reasonable charges Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Up to €100 per day, max 6 days per teatment
4. Specialist consultations, diagnostics and physiotherapy Full settlement of reasonable charges Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Up to €325
5. Additional person staying with child under 18 Full settlement of reasonable charges Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Up to €60 per night, max 5 nights per treatment
6. Cash benefit for free treatment
(a) per night
(b) per daycare surgical treatment		 (a) €50/night, max 60 nights
(b) €35/treatment		 (a) €50/night, max 40 nights
(b) €35/treatment		 (a) €50/night, max 40 nights
(b) No		 (a) €30/night, max 40 nights
(b) €25/treatment
7. Psychiatric illness Full settlement of reasonable charges for up to 35 days per year Full settlement of reasonable charges for up to 30 days per year in Malta Full settlement of reasonable charges for 28 days in a 5 year period
Limited benefits elsewhere		 Up to €275 per night up to 5 nights per treatment
Other treatment
8. Oncology (cancer) related charges Full settlement of reasonable charges Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Up to €1,000 per course of treatment, additional €500 per year for out-patient oncology drugs and €250 per episode for oncology scans
9. Non-oncology PET, CT & MRI scanning Full settlement of reasonable charges Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 €250 per episode for in-patient, additional €200 per episode for out-patient
10. Ambulance transport Full settlement of reasonable charges Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Full settlement of reasonable charges in Malta supporting hospitals
Limited benefits elsewhere		 Up to €800
11. Emergency treatment outside area of cover Up to €80,000 No No No
12. International emergency medical assistance Yes No No No
Out-patient
13. Surgical procedures Benefit is payable out of 1 & 2 above Benefit is payable out of 1 & 2 above Benefit is payable out of 1 & 2 above Benefit is payable out of 1 & 2 above
14.Family doctor charges
(a) Consultation charges
(b) Prescription drugs and dressings
(c) Minor surgery approved by us		 (a) & (c) Full settlement of reasonable charges
(b) Up to €400 per year, additional €400 per year for 40 days pre & post in-patient treatment		 (a) Full settlement of reasonable charges
(b) Up to €400 per year, drugs and dressings must be prescribed by a specialist and follow in‑patient or daycare treatment
(c) Up to €130 per episode		 (a) Up to €150
(b) No
(c) No		 (a) Up to €100
(b) No
(c) Up to €100 per treatment
15. Specialists' fees, diagnostics and physiotherapy Full settlement of reasonable charges Full settlement of reasonable charges in Malta
Limited benefits elsewhere		 No Up to €250, and up to €350 pre- or post- in patient or daycare treatment
16. Chiropractic, acupuncture, homeopathy, osteopathy Full settlement of reasonable charges Full settlement of reasonable charges in Malta
Limited benefits elsewhere		 No Up to €250 per year
17. Psychiatry Up to €1,000 Up to €800 No Up to €200
18. Accidental damage to natural teeth Up to €600 Up to €600 No No
19. Home nursing Full settlement of reasonable charges for 14 days then up to €75 per day for up to 26 weeks Full settlement of reasonable charges for 10 days, then up to €60 per day for up to 26 weeks No Full settlement of reasonable charges for 7 days then up to €50 per day for up to 120 days
Additional Benefits
20. Routine maternity €750 per confinement €300 per confinement No No
21. Complications of Pregnancy and Childbirth Yes Yes Yes Yes
22. Expert Health Information Helpline - phone access to AXA's health information service Yes Yes Yes Yes
23. Airfare when an 8 night stay in UK required Up to €450 No No No
24. Hotel for outpatient oncology treatment in the UK Up to €125 per night for up to 20 nights No No No
25. Community nursing cover Yes Yes No Yes
26. In-patient Rehabilitation
 Yes Yes Yes Yes
27. Second Medical Opinion Service
 Yes Yes No No
28. 24/7 GP Telephone Assistance
Up €5,000 in your lifetime Up €5,000 in your lifetime Yes Up €5,000 in your lifetime
29. 24/7 Pre-Authorisation Service
 Yes Yes Yes Yes
Optional Benefits

Routine maternity group cover

Benefit is only payable after 10 months of being registered for benefit

Benefits

Up to €1000 per confinement in a private hospital or €125 per confinement in a state hospital

Preventive Care

  1. (a) Annual dental check-up/routine eyesight testing by an optometrist
  2. (b) Skin cancer screening
  3. (c) Chiropractic, acupuncture, homeopathy or osteopathy following referral by your family doctor (in addition to standard benefits on your plan)
  4. (d) Prosthetics not forming an integral part of a surgical procedure
  5. (e) Out-patient clinic fee


Benefits (c) and (d) are governed by all the benefits, exclusions and conditions of the policy

Benefits

  1. (a) Up to €60
  2. (b) Up to €60
  3. (c) Up to €125
  4. (d) 75% of cost incurred up to €250
  5. (e) Up to €5 per visit

Preventive Care Plus

All the above Preventive Care benefits PLUS:

  1. (f) Routine cervical cancer screening; routine mammography or breast ultrasound for women aged 45 and over; annual prostate examination/PSA test for members aged 45 or over
  2. (g) Liver function test, lipid profile, complete blood count, fasting blood
    glucose test, urine analysis and family doctor consultation for routine test
    (g) for members aged 40 years or over
  3. (h) Bone densitometry for members aged 45 or over
  4. (i) Stress ECG for members aged 45 and over


Bone density and stress ECG costs are not payable in the first 12 months of purchasing this optional benefit.

Benefits
 
 

  1. (f) Up to €160

  2. (g) Up to €125

    3.  

  3. (h) Up to €125 every 2 years
  4. (i) Up to €250 every 2 years
What's not covered

These are the main exclusions, for a full list refer to the membership handbook.

  • Routine medical examinations unless you purchase the Preventive Care or Preventive Care Plus extensions where a selection of these tests are available.
  • Treatment for the routine management of recurrent, continuing or long-term medical conditions. Unforeseen complications of these conditions would be covered.
  • Medical costs which are not reasonable or are higher than those usually charged.
  • Normal pregnancy and childbirth. Limited cover is available under the international and private hospital plans and a higher optional level of cover is available for groups. Complications of pregnancy or childbirth are covered. No claims are payable if the mother has been on the policy for less than 10 months prior to the expected delivery date of the baby.
  • Optical check-ups and dental treatment, except for specific oral surgical operations unless you buy the Preventive Care or Preventive Care Plus extensions where limited cover would apply, or if you have purchased a dental insurance product from our unique dental range.
  • Treatment for drug and alcohol abuse.
  • Treatment of sexually transmitted diseases
  • Cosmetic surgery (to solely enhance appearance)
    		•
    What's covered
    International Plan
    Overall Benefit
    Maximum annual amount: €1,000,000
    In-patient & daycare
    Hospital accommodation and theatre fees: Full settlement of reasonable charges
    Surgeon's and anaesthetist's fees: Full settlement of reasonable charges
    Physician's charges: Full settlement of reasonable charges
    Specialist consulatations, diagnostics and physiotherapy: Full settlement of reasonable charges
    Additional person staying with child under 18: Full settlement of reasonable charges
    Cash benefit for free treatment (a) per night (b) per daycare surgical treatment: (a) €50/night, max 60 nights (b) €35/treatment
    Psychiatric illness: Full settlement of reasonable charges for up to 30 days per year
    Other treatment
    Oncology (cancer) related charges: Full settlement of reasonable charges
    Non-oncology PET, CT & MRI scanning: Full settlement of reasonable charges
    Ambulance transport: Full settlement of reasonable charges
    Emergency treatment outside area of cover: Up to €80,000
    International emergency medical assistance: Yes
    Out-patient
    Surgical Procedures: Benefit is payable out of 1 & 2 above
    Family doctor charges: (a) & (c) Full settlement of reasonable charges
    (b) Up to €400 per year, additional €400 per year for 40 days pre & post in-patient treatment
    Family doctor minor surgery approved by us: Up to €350
    Prescription drugs and dressings: Up to €100 per treatment
    Specialists, family doctor secondary treatment, diagnostics and physiotherapy: Full settlement of reasonable charges
    Chiropractic, acupuncture, homeopathy, osteopathy: Full settlement of reasonable charges
    Psychiatry: Up to €1,000
    Accidental damage to natural teeth: Up to €600
    Home nursing: Full settlement of reasonable charges for 14 days then up to €75 per day for up to 26 weeks
    Additional Benefits
    Routine maternity: €750 per confinement
    Health at Hand - phone access to an international health information service: Yes
    Airfare when an 8 night stay in UK required: Up to €450
    Hotel for outpatient oncology treatment in the UK: Up to €125 per night for up to 20 nights
    Community nursing cover: Yes
    Second Medical Opinion Service: Yes
    Optional Benefits
    Routine maternity group cover
  • Benefit is only payable after 10 months of being registered for benefit.
  • Up to €1000 per birth in a private hospital or €125 per birth in a state hospital.
    • Preventive Care
  • Annual dental checkup/routine eyesight testing by an optometrist: Up to €40
  • Skin cancer screening: Up to €40
  • Alternative complementary treatments following referral by your GP (in addition to standard benefits on your plan): Up to €125
  • Prosthetics forming an integral part of a surgical procedure: 75% of cost incurred up to €250
    • Preventive Care Plus
    All the above Preventive Care benefits PLUS:
  • Routine cervical cancer screening/routine mammography or breast ultrasound/annual prostate examination/PSA test for members aged 45 or over
  • Liver function tests/lipid profile/complete blood count/glucose tolerance/urine analysis for members aged 40 and over
  • Bone densitometry for members aged 45 or over
    • Stress ECG for members aged 45 and over
  • Bone density and stress ECG test costs are not payable in the first 12 months of purchasing this optional benefit.
    • Private Hospital Plan
    Overall Benefit
    Maximum annual amount: €750,000
    In-patient & daycare
    Hospital accommodation and theatre fees: Full settlement of reasonable charges in Malta supporting hospitals
    Limited benefits elsewhere
    Surgeon's and anaesthetist's fees: Full settlement of reasonable charges in Malta supporting hospitals
    Limited benefits elsewhere
    Physician's charges: Full settlement of reasonable charges in Malta supporting hospitals
    Limited benefits elsewhere
    Specialist consulatations, diagnostics and physiotherapy: Full settlement of reasonable charges in Malta supporting hospitals
    Limited benefits elsewhere
    Additional person staying with child under 18: Full settlement of reasonable charges in Malta supporting hospitals
    Limited benefits elsewhere
    Cash benefit for free treatment (a) per night (b) per daycare surgical treatment: (a) €50/night, max 40 nights (b) €35/treatment
    Psychiatric illness: Full settlement of reasonable charges for up to 30 days per year in Malta
    Limited benefits elsewhere
    Other treatment
    Oncology (cancer) related charges: Full settlement of reasonable charges in Malta supporting hospitals
    Limited benefits elsewhere
    Non-oncology PET, CT & MRI scanning: Full settlement of reasonable charges in Malta supporting hospitals
    Limited benefits elsewhere
    Ambulance transport: Full settlement of reasonable charges in Malta supporting hospitals
    Limited benefits elsewhere
    Emergency treatment outside area of cover: No
    International emergency medical assistance: No
    Out-patient
    Surgical procedures: Benefit is payable out of 1 & 2 above
    Family doctor charges: (a) Full settlement of reasonable charges
    (b) Up to €400 per year, drugs and dressings must be prescribed by a specialist and follow in‑patient or daycare treatment
    (c) Up to €130 per episode
    Family doctor minor surgery approved by us: Up to €100 only after day care treatment
    Prescription drugs and dressings: Up to €300 (following impatient or daycare treatment)
    Specialists, family doctor secondary treatment, diagnostics and physiotherapy: Full settlement of reasonable charges in Malta, outside Malta see the Benefits table
    Chiropractic, acupuncture, homeopathy, osteopathy: Full settlement of reasonable charges in Malta, outside Malta see the Benefits table
    Limited benefits elsewhere
    Psychiatry: Up to €800
    Accidental damage to natural teeth: Up to €600
    Home nursing: Full settlement of reasonable charges for 7 days then up to €50 per day for up to 120 days
    Additional Benefits
    Routine maternity: €250 per confinement
    Health at Hand - phone access to an international health information service: Yes
    Airfare when an 8 night stay in UK required: No
    Hotel for outpatient oncology treatment in the UK: No
    Community nursing cover: Yes
    Second Medical Opinion Service: Yes
    Optional Benefits
    Routine maternity group cover
  • Benefit is only payable after 10 months of being registered for benefit.
  • Up to €1000 per birth in a private hospital or €125 per birth in a state hospital.
    • Preventive Care
  • Annual dental checkup/routine eyesight testing by an optometrist: Up to €40
  • Skin cancer screening: Up to €40
  • Alternative complementary treatments following referral by your GP (in addition to standard benefits on your plan): Up to €125
  • Prosthetics forming an integral part of a surgical procedure: 75% of cost incurred up to €250
    • Preventive Care Plus
    All the above Preventive Care benefits PLUS:
  • Routine cervical cancer screening/routine mammography or breast ultrasound/annual prostate examination/PSA test for members aged 45 or over
  • Liver function tests/lipid profile/complete blood count/glucose tolerance/urine analysis for members aged 40 and over
  • Bone densitometry for members aged 45 or over
    • Stress ECG for members aged 45 and over
  • Bone density and stress ECG test costs are not payable in the first 12 months of purchasing this optional benefit.
    • Private Hospital Value Plus Plan
    Overall Benefit
    Maximum annual amount: €600,000
    In-patient & daycare
    Hospital accommodation and theatre fees: Full settlement of reasonable charges in Malta supporting hospitals
    Surgeon's and anaesthetist's fees: Full settlement of reasonable charges in Malta supporting hospitals
    Physician's charges: Full settlement of reasonable charges in Malta supporting hospitals
    Specialist consulatations, diagnostics and physiotherapy: Full settlement of reasonable charges in Malta supporting hospitals
    Additional person staying with child under 18: Full settlement of reasonable charges in Malta supporting hospitals
    Cash benefit for free treatment (a) per night (b) per daycare surgical treatment: (a) €50/night, max 40 nights (b) €35/treatment
    Psychiatric illness: Full settlement of reasonable charges for up to 30 days per year
    Other treatment
    Oncology (cancer) related charges: Full settlement of reasonable charges in Malta supporting hospitals
    Non-oncology PET, CT & MRI scanning: Full settlement of reasonable charges in Malta supporting hospitals
    Ambulance transport: Full settlement of reasonable charges in Malta supporting hospitals
    Out-patient
    Surgical procedures: Benefit is payable out of 1 & 2 above
    Family doctor charges: Up to €150
    Additional Benefits
    Health at Hand - phone access to an international health information service
    Optional Benefits
    Routine maternity group cover
  • Benefit is only payable after 10 months of being registered for benefit.
  • Up to €1000 per birth in a private hospital or €125 per birth in a state hospital.
    • Preventive Care
  • Annual dental checkup/routine eyesight testing by an optometrist: Up to €40
  • Skin cancer screening: Up to €40
  • Alternative complementary treatments following referral by your GP (in addition to standard benefits on your plan): Up to €125
  • Prosthetics forming an integral part of a surgical procedure: 75% of cost incurred up to €250
    • Preventive Care Plus
    All the above Preventive Care benefits PLUS:
  • Routine cervical cancer screening/routine mammography or breast ultrasound/annual prostate examination/PSA test for members aged 45 or over
  • Liver function tests/lipid profile/complete blood count/glucose tolerance/urine analysis for members aged 40 and over
  • Bone densitometry for members aged 45 or over
    • Stress ECG for members aged 45 and over
  • Bone density and stress ECG test costs are not payable in the first 12 months of purchasing this optional benefit.
    • Private Clinic Plan
    Overall Benefit
    Maximum annual amount: €275,000
    In-patient & daycare
    Hospital accommodation: In patient up €195 per night, daycare up to €135 per day
    Theatre fees: In patient up €400, Sub limits apply
    Surgeon's and anaesthetist's fees: Max €1,400 Sub limits apply
    Physician's charges: Up to €100 per day, max 6 days per treatment
    Specialist consulatations, diagnostics and physiotherapy: Up to €250
    Additional person staying with child under 18: Up to €60 per night, max 5 nights
    Cash benefit for free treatment (a) per night (b) per daycare surgical treatment: (a) €30/night, max 40 nights (b) €25/treatment
    Psychiatric illness: Up to €275 per night, max 5 days per treatment
    Other treatment
    Oncology (cancer) related charges: Up to €1,000 per course of treatment, additional €500 per year for out-patient oncology drugs and €250 per episode for oncology scans
    Non-oncology PET, CT & MRI scanning: €250 per episode for in-patient, additional €200 per episode for out-patient
    Out-patient
    Surgical procedures: Benefit is payable out of 1 & 2 above
    Family doctor charges: Up to €80
    Prescription drugs and dressings: Up to €100 per episode
    Specialists, family doctor secondary treatment, diagnostics and physiotherapy: Up to €200, and up to €300 pre- or post- in patient or daycare treatment
    Chiropractic, acupuncture, homeopathy, osteopathy: included in benefit above
    Psychiatry: Up to €180
    Home nursing: Full settlement of reasonable charges for 7 days then up to €50 per day for up to 120 days
    Additional Benefits
    Health at Hand - phone access to an international health information service
    MMDNA nursing cover
    Optional Benefits
    Routine maternity group cover
  • Benefit is only payable after 10 months of being registered for benefit.
  • Up to €1000 per birth in a private hospital or €125 per birth in a state hospital.
    • Preventive Care
  • Annual dental checkup/routine eyesight testing by an optometrist: Up to €40
  • Skin cancer screening: Up to €40
  • Alternative complementary treatments following referral by your GP (in addition to standard benefits on your plan): Up to €125
  • Prosthetics forming an integral part of a surgical procedure: 75% of cost incurred up to €250
    • Preventive Care Plus
    All the above Preventive Care benefits PLUS:
  • Routine cervical cancer screening/routine mammography or breast ultrasound/annual prostate examination/PSA test for members aged 45 or over
  • Liver function tests/lipid profile/complete blood count/glucose tolerance/urine analysis for members aged 40 and over
  • Bone densitometry for members aged 45 or over
    • Stress ECG for members aged 45 and over
  • Bone density and stress ECG test costs are not payable in the first 12 months of purchasing this optional benefit.

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