HEALTH INSURANCE SCHEMES: In-Patient Cover Only
Day-case & In-patient Treatment
| Basic Scheme (In-Patient Cover Only) | Hospital Scheme (In-Patient Cover Only) |
|
|---|---|---|
| Hospital accommodation, including Intensive care; nursing care and ward prescribed drugs | Up to €175 per night Maximum 5 nights per episode Up to €120 per episode for Day Surgery | Full Refund |
| Parent accommodation - staying with a child under 14 | Up to €24 per night. Maximum 5 nights per episode | Full Refund |
| Operating theatre charges, drugs and surgical dressings; eligible prosthesis | Per Operation up to: Major: €350 Intermediate: €240 Minor: €120 Eligible prosthesis: €338 | Full Refund |
| Surgeons' and Anaesthetists' fees for surgical operations | Per Operation up to: Major: €940 Intermediate: €700 Minor: €350 | Full Refund |
| Consultant Physicians visits and medical consultations | Up to €60 per day. Maximum 6 days per episode | Full Refund |
| Pathology, radiology, diagnostic tests and physiotherapy | Up to €165 per policy year | Full Refund |
| Computerised Tomography Scan (C.T. Scan) and Magnetic Resonance Imaging (MRI) | Up to €165 per episode | Full Refund |
| Psychiatric, Nervous And Mental conditions | Up to €175 per night. Maximum 5 nights per episode | Full Refund |
Cancer Treatment
| Basic Scheme (In-Patient Cover Only) | Hospital Scheme (In-Patient Cover Only) |
|
|---|---|---|
| Oncologist fees for all the active phase of the cancer treatment and hospital charges for cancer tests and drugs, including chemotherapy and radiotherapy for each course of treatment | Up to €175 per night. Maximum 5 nights for each course of treatment | Full Refund |
Other Benefits
Emergency Road Ambulance
| Basic Scheme (In-Patient Cover Only) | Hospital Scheme (In-Patient Cover Only) |
|
|---|---|---|
| Emergency local road ambulance | Up to €600 per policy year | Up to €600 per policy year |
Cash Benefits
| Basic Scheme (In-Patient Cover Only) | Hospital Scheme (In-Patient Cover Only) |
|
|---|---|---|
| Cash Benefit - for treatment received in a State or Private hospital for a medical condition as a non-paying patient | €24 per night for up to 40 nights each policy year | €35 per night for up to 40 nights each policy year |
| Day-case - following day surgery as a non-paying patient | €24 per episode | €24 per episode |
Funeral Expenses
| Basic Scheme (In-Patient Cover Only) | Hospital Scheme (In-Patient Cover Only) |
|
|---|---|---|
| Cover for funeral expenses | Up to €1,200 | Up to €1,200 |
| Annual overall Maximum payable per person | €120,000 | €120,000 |
Purpose of policy
The purpose of the policy is to provide cover for the customary and reasonable fees of recognised Treatment, which is medically necessary for acute medical conditions and injuries.
This policy is not intended to cover experimental or unproven Treatment, but should such situations arise we will discuss these with the beneficiary’s specialist and decide whether the cost of the proposed Treatment is covered. Claims will be paid for those items specified in the policy benefits (up to the amounts stated, if applicable).
The Middlesea Health Insurance Basic and Hospital Schemes will provide cover for Treatment received in the Maltese Islands only, however, if the insured or a member of his family requires emergency Treatment whilst he / she are outside of the Maltese Islands, then the Middlesea Health Insurance Basic and Hospital Schemes will cover the cost for the Treatment received up to the same level as what would have been paid had the same Treatment been received in Malta.
The Middlesea Health Insurance International Scheme will provide cover for Treatment received in Malta and Worldwide excluding USA and Canada.
