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Day-case & In-patient Treatment

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
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 RefundFull Refund
Parent accommodation staying with a child under 14Up to €24 per night. Maximum 5 nights per episode Full RefundFull 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 Full Refund
Surgeons' and Anaesthetists' fees for surgical operationsPer Operation up to:
Major: €940
Intermediate: €700
Minor: €350
Full Refund Full Refund
Consultant Physicians visits and medical consultationsUp to €60 per day. Maximum 6 days per episode Full Refund Full Refund
Pathology, radiology, diagnostic tests and physiotherapyUp to €165 per policy year Full Refund Full Refund
Computerised Tomography Scan (C.T. Scan) and Magnetic Resonance Imaging (MRI) Up to €165 per episode Full Refund Full Refund
Psychiatric, Nervous
And Mental conditions
Up to €175 per night.
Maximum 5 nights per episode
Full Refund Full Refund

Cancer Treatment

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
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 RefundFull Refund

Out-Patient Treatment

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
Professional fees for specialist consultations , diagnostic procedures including pathology, physiotherapy, radiology and ECG Maximum of
€240 per policy year
Up to €600
per policy year
Full Refund
CT Scans and MRI's referred by a Specialist Up to €165 per policy year Up to €600
per policy year
Full Refund
Oncology- related CT Scans and MRI Up to €240 per policy year Full Refund Full Refund
Mini-minor procedures performed by a general practitioner under local anaesthetic Up to €50 procedure fee per episode
Up to €50 surgery fee per episode
Up to €50 procedure
fee per episode
Up to €50
surgery fee per episode
Up to €50 procedure fee per episode
Up to €50 surgery fee per episode

Emergency Road Ambulance

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
Emergency local road ambulance Up to €600 per policy year Up to €600
per policy year
Full Refund

Nursing Care

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
Home nursing by a professional nurse following a surgical intervention and if prescribed by a specialist Up to €190 per week
Up to 15 weeks per policy yea
Up to €190 per week
Up to 15
weeks per policy year
Up to €190 per week
Up to 15 weeks per policy year
MMDNA Nursing Care As required As required As required

Alternative Therapy

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
Osteopathy,
Homeopathy,
Acupuncture,
Chiropractic
Treatment
Not coveredUp to €470
per policy year
Full Refund

Emergency Dental Treatment

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
Eligible Dental Treatment Not coveredUp to €470
per policy year
Up to €700 per policy year

General Practitioner’s Charges

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
General Practitioners' ChargesUp to €60 per policy yearUp to €60
per policy year
Up to €60 per policy year

Cash Benefits

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
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
€50 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
€35 per episode
Maternity cash benefit Not covered €240
Per newborn
child / episode
€470 Per newborn child / episode

Other

 Basic Scheme
In-Patient & Out-Patient cover
Hospital
Scheme
In-Patient & Out-Patient cover
International Scheme
In-Patient & Out-Patient cover
Prescription Drugs following a surgical procedureNot coveredUp to €105
each policy year
Up to €105
each policy year
Cover for funeral expensesUp to €1,200 Up to €1,200 Up to €1,200
Annual overall Maximum payable per person€120,000 €120,000 €175,000

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.

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Our Address

222, The Strand, Gzira GZR1022, Malta

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Branch Office

Triq Ta' L-Ibrag, Ibrag STJ03, Malta

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