Atlas Healthcare offers various levels of cover and optional add-ons to allow you choose the right package for you.
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 | €900,000 | €700,000 | €600,000 | €250,000 |
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 €185 per night, up to 5 nights daycare up to €130 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 €380 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 €1000 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 €75 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 €300 |
5. Additional person staying with child under 16 | 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 €40 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 Limited benefits elsewhere |
(a) €50/night, max 40 nights (b) No Limited benefits elsewhere |
(a) €30/night, max 40 nights (b) €25/treatment |
7. Psychiatric illness | Full settlement of reasonable charges for 28 days in a 5 year period | Full settlement of reasonable charges in Malta for 28 days in a 5 year period Limited benefits elsewhere |
Full settlement of reasonable charges for 28 days in a 5 year period Limited benefits elsewhere |
Up to €250 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 €500 per course of treatment |
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 |
€200 for in-patient, additional €200 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 €75,000 | 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) & (b) Up to €400 (c) Up to €100 per treatment |
(a) & (b) Up to €400 Drugs and dressing following impatient or daycare treatment (c) Up to €100 per treatment |
(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 | Included in benefit 15 |
17. Psychiatry | Up to €750 | Up to €600 | 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 €60 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 80 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. 24/7 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 €400 | No | No | No |
24. Hotel for outpatient oncology treatment in the UK | Up to €125 per night | 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 |
Yes | Yes | Yes | Yes |
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 |
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Preventive Care
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Benefits
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Preventive Care Plus All the above Preventive Care benefits PLUS:
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Benefits
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What's not covered | ||||
These are the main exclusions, for a full list refer to the membership handbook. |
Hello I’m Georgina Zammit, one of Atlas’ Customer Support Operators
Simply speak to me or one of my colleagues if you require any assistance on health insurance.
Our chat is open Monday to Friday: 8:30am to 6:15pm and Saturday: 8:00am to 12:30pm
Outside these hours, you can leave a chat message or send an email to health@atlas.com.mt