Middlesea introduces family health insurance

Middlesea Insurance has introduced a family health insurance scheme which covers a family against payment of a single premium.

This scheme protects all family members in case of any injury or other medical contingencies such as hospitalisation, medical expenses, and surgical expenses. It comes with generous out-patient benefits including refund for general practitioners’ fees, consultations with specialists, a dental benefit, maternity benefit and provision for funeral expenses.

Clients only need to pay a single premium per family, including family discounts, while the premium can be paid monthly, quarterly, half yearly or annually. It also comes with unemployment benefit, in case of redundancy. Middlesea will pay the renewal premium on behalf of the customer.

A personalised card is issued to all insured members of the family. Newborns can be included in the family scheme free of charge, until the next date of renewal. This scheme includes the second medical opinion service programme; if any member of the family is diagnosed with a serious illness and would like to get further confirmation, this benefit gives one access to a network of acknowledged international medical experts at no extra cost.

Although the purpose of the family scheme is to provide cover for treatment received in Malta, if the insured or an insured member of the family requires emergency treatment while overseas, the family scheme 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.