Health Insurance – FAQs
Manufacturer of the product is: MAPFRE Middlesea
MAPFRE Middlesea p.l.c. (C-5553) is authorised by the Malta Financial Services Authority (MFSA) to carry on both Long Term and General Business under the Insurance Business Act. MAPFRE Middlesea p.l.c. is regulated by the MFSA.
Can I have health insurance if I already suffer from an illness?
So what if we suffer from an illness before we buy the insurance? Will the insurance company reject us? The joining process is usually very simple as no medical tests are normally required following the completion of the proposal form; as long as the person applying for cover is under a certain age, for example, 65 years old.
On Proposal Forms, clients have to declare their conditions by answering questions like if they ever had surgery or if they ever had any broken bone. Pre-existing medical conditions will be excluded from the cover. This does not mean that we are not allowed to have health insurance if we suffer from a chronic medical condition or if we need hospitalization regularly. Only, our health insurance will be different, in order to fit our state of health.
What is the purpose of the MAPFRE Middlesea Health Insurance Policy?
Does the MAPFRE Middlesea health policy offer cover for treatment in Malta only?
The MAPFRE Middlesea Insurance policy offers cover for everywhere in the world as explained below:
- Basic Scheme offers limited cover worldwide
- Hospital Scheme offers full cover of the reasonable fees locally and limited cover worldwide
- International Scheme offers full cover of the reasonable fees worldwide except in the USA and Canada, where a limit is offered.