Whichever scheme customers choose, it will enable them to access the best medical care at times and locations that suit them most, whilst offering peace of mind for them and their loved ones.

Three levels of cover

These schemes provide THREE levels of cover, with the first two valid in Malta only, and the third scheme providing cover on a worldwide basis except USA and Canada. The schemes offering In-patient and Out-patient cover are:

Basic Scheme

Hospital Scheme

International Scheme

Cost-reducing options

In order to make its schemes more accessible to a wider section of the public, Mapfre Middlesea p.l.c. is also introducing a number of cost-reducing options whereby the applicable premium may be significantly improved when the following variations are selected:

Basic Scheme (In-patient cover only)

Hospital Scheme (In-patient cover only)

These two variations provide insurance protection for hospitalisation as an in-patient. By opting not to be covered for out-patient treatment and consultations, a person could still have the peace of mind that he/she is covered for expensive in-patient treatment costs.

Further flexibility

Further flexibility is provided by allowing customers to introduce a voluntary excess of 10% or 20% and enjoy a further reduction in their premium.

Second Opinion

We care for your health as if it were our own. Read how you can get a second opinion from an international panel of doctors.

Your MAPFRE Middlesea Health Insurance policy includes a wide range of interesting benefits for you and your family:

We offer you different levels of cover to best suit your individual requirements and budget: Basic (1), Hospital (2), International (3), Family Health (4).

We offer you cost-reducing options, such as Basic and Hospital in-patient cover only schemes, that pay for valuable in-patient treatment charges.

We provide further flexibility by letting you introduce a voluntary excess of 10% or 20% and enjoy a further reduction in your premium.

Our 24-hour telephone medical advice service, Mediphone, provides you the possibility to contact a doctor who can offer guidance in any health-related circumstance. This includes extensive services such as sending a doctor, nurse and medication to your home.

Second Medical Opinion service program: If you are diagnosed with a severe illness and would like to get further information, this benefit gives you access to a network of recognised international medical experts.

Both Mediphone and Second Medical Opinion service are provided at no charge on policyholders having a Mapfre Middlesea Hospital or Mapfre Middlesea International policy. Policyholders on a Schemes 1 and 2 may subscribe these additional benefits at a nominal premium.

As a policyholder, you are entitled to a special discount on a number of services offered by We Care, a care agency which assists the elderly, disabled, and people with mobility problems to live an independent life. We care offers day and night care, help with house work such as laundry and ironing, nurse services, occupational therapy, psychologists assistance, physiotherapy, speech language pathologists service and social workers assistance.

Parent accommodation (staying with a child under 14) is full refunded for Hospital and International Schemes.

International Scheme offers in-patient and out-patient cover on a worldwide basis (except USA and Canada.).

Consultant oncologist fees for all the active phase of the cancer treatment are full refunded for Hospital and International Schemes. Hospital charges for cancer tests and drugs, including chemotherapy and radiotherapy for each course of treatment are also included.

The Family Health Scheme offers payment options to choose from: monthly, quarterly, half year, annually. New born children can be included in the Family scheme free of charge, until the next date of renewal.


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MelitaUnipol Insurance Agency Ltd is licensed to act as an insurance agent for Mapfre Middlesea p.l.c. and both companies are authorised to transact insurance business by the Malta Financial Services Authority.