Travel insurance — Malta

[1] Medical expenses: €60,000 – €2,000,000 ↩

Emergency medical & other expenses - up to €2,000,000

[2] Medical transport: Covered ↩

Ambulance fees and rescue services to take the insured to hospital are covered within the overall Section B Emergency Medical Expenses limit; no separate sub-limit is stated.

[3] COVID-19 treatment: Covered ↩

Section L - Coronavirus Extension applies to all Cover Options at no additional premium, disapplying the pandemic/epidemic exclusion for Coronavirus-related cancellation, abandonment, emergency medical expenses, hospital benefit and missed departure claims, subject to specific testing/hospitalisation evidence conditions and quarantine sub-limits of €700 accommodation and €300 return travel.

[4] Personal liability: €1,250,000 ↩

Covers up to €1,250,000 (inclusive of legal costs) against amounts the insured becomes legally liable to pay as compensation for accidental bodily injury or property damage to third parties; the same limit applies across all Cover Options.

[5] Emergency dental: Covered ↩

Emergency dental treatment for the immediate relief of pain to natural teeth only, incurred outside Malta, is included within the overall Section B Emergency Medical Expenses limit with no separate sub-limit stated.

[6] Search & rescue: Covered ↩

There is no separate search-and-rescue benefit; rescue services to take the insured to hospital are covered as part of the ambulance benefit within the overall Section B Emergency Medical Expenses limit.

[7] Emergency medical treatment: €60,000 – €2,000,000 ↩

Emergency medical & other expenses - up to €2,000,000

[8] Hospitalization: €1,000 ↩

€30 for every complete 24 hours of in-patient hospital stay outside Malta, up to a maximum of €1,000, payable in addition to Section B Emergency Medical Expenses; the same for all Cover Options.

Hospital benefit - €30 for every complete 24 hours – maximum €1,000

[9] Outpatient treatment: Covered ↩

For simple out-patient treatment abroad the insured pays the hospital or clinic directly and claims back the expense from Atlas on return to Malta, within the overall Section B Emergency Medical Expenses limit.

[10] Medical evacuation: Covered ↩

With the prior authorisation of Global Response Ltd, additional costs of air transport or other suitable means, including qualified attendants, to repatriate the insured home if medically necessary are covered within the overall Section B limit.

[11] Repatriation of remains: Covered ↩

In the event of death outside Malta, reasonable additional funeral expenses abroad plus the cost of conveying ashes home, or the additional cost of returning the body home, are covered within the overall Section B limit.

[12] Pre existing conditions: Excluded ↩

Cancellation, Emergency Medical Expenses, Hospital Benefit, Personal Accident and Slalom sub-section 3 claims arising from any pre-existing medical condition (one for which prescribed medication or treatment was taken/received in the last 12 months) are excluded unless Atlas has agreed in writing.

[13] Winter sports cover: Optional ↩

Winter sports and dry-ski slope pursuits are excluded unless the optional Slalom Extension is purchased for an additional premium (€55 for ages 16-69, €110 for ages 70-75), limiting cover to a maximum of 15 days per Period of Insurance; certain hazardous winter sports remain excluded even with the extension.

[14] Adventure sports cover: Excluded ↩

Claims arising from engagement in extreme or hazardous activities (e.g. bungee jumping, scuba diving beyond 15 metres, mountaineering with guides/ropes, sky diving, hang gliding, rock climbing, hunting, quad-biking and similar) are permanently excluded, with no extension available to buy back this exclusion.

[15] Pregnancy complications: Conditional ↩

Normal pregnancy or childbirth without any accompanying complication is excluded, implying that complications of pregnancy are covered as an ordinary Bodily Injury/illness claim within the Section B Emergency Medical Expenses limit.

[16] Medical expenses: €35,000 – €600,000 ↩

Covers medical and emergency expenses arising from accidental bodily injury, illness or death abroad. Limits vary by tier: Economy €35,000; Standard €200,000; Club €600,000.

Medical Expenses € 35,000 € 200,000 € 600,000

[17] Medical transport: Covered ↩

24-hour emergency medical assistance provided at no extra cost through Global Response / International Medical Group, including liaison with doctors and hospitals and coordination of air ambulance transport.

International Medical Group operates a multilingual office, 24 hours a day, 365 days a year and will provide immediate help in relation to liaison with doctors and hospitals, medical bills, repatriation, air ambulance and liaison with relatives.

[18] COVID-19 treatment: Excluded ↩

Claims arising from any injury, illness, death, liability or costs attributable to HIV (including AIDS), SARS, MEERS, COVID-19 and related illnesses, and any potential or actual epidemic/pandemic, are excluded.

Claims arising from any injury, illness, death, liability or costs attributable to HIV (including AIDS), SARS, MEERS, COVID-19 and related illnesses

[19] Personal liability: €1,200,000 ↩

Personal legal liability to third parties for accidents resulting in death, bodily injury, or damage to property, covered up to €1,200,000 under all three tiers (Economy, Standard and Club).

Personal Liability €1,200,000 €1,200,000 €1,200,000

[20] Emergency dental: Covered ↩

Emergency dental treatment is covered under Section 3 (Medical and Emergency Expenses) of the Citadel Travel Policy, alongside medical, surgical and hospital charges: Expenses itemised below if You suffer accidental bodily injury, illness or death which occurs during a trip commencing during the Period of Insurance and within the maximum duration of such trip covered under this Policy: Medical, surgical or hospital charges (including rescue services to take You to hospital) and emergency dental treatment.

[21] Search & rescue: Covered ↩

Not mentioned in the available sources.

[22] Legal assistance: See details ↩

[23] Emergency medical treatment: €35,000 – €600,000 ↩

Section 3 - Medical and Emergency Expenses benefit; limit depends on chosen tier: Economy €35,000; Standard €200,000; Club €600,000.

Medical Expenses € 35,000 € 200,000 € 600,000

[24] Hospitalization: €700 ↩

In-patient hospital cash benefit paid in case of admission to hospital abroad due to accidental injury or illness. Not insured under Economy; €25 per day (€50 if the European Health Card is used) up to a maximum of €700 under Standard and Club cover only.

Hospital Cash Benefit NOT INSURED €25 (€50 if you use the European Health card) per day, maximum €700

[25] Outpatient treatment: Covered ↩

Outpatient treatment is covered as part of Section 3 (Medical and Emergency Expenses), which covers expenses itemised below if You suffer accidental bodily injury, illness or death which occurs during a trip commencing during the Period of Insurance and within the maximum duration of such trip covered under this Policy, including Medical, surgical or hospital charges. Only in-patient treatment or repatriation specifically requires prior authorisation, implying out-patient treatment is covered without that pre-authorisation requirement, as We shall not make any payment in respect of a medical condition of any Insured Person/Eligible Member for any expenses or fees for any in-patient treatment or repatriation which have not been notified to and authorized by Citadel Insurance p.l.c.

[26] Medical evacuation: Covered ↩

The 24-hour Emergency Medical Assistance service coordinates air ambulance and evacuation arrangements at no extra cost through International Medical Group / Global Response.

International Medical Group operates a multilingual office, 24 hours a day, 365 days a year and will provide immediate help in relation to liaison with doctors and hospitals, medical bills, repatriation, air ambulance and liaison with relatives.

[27] Repatriation of remains: Covered ↩

Emergency assistance service coordinates repatriation of the insured (or remains) at no extra cost as part of the 24-hour medical assistance service.

International Medical Group operates a multilingual office, 24 hours a day, 365 days a year and will provide immediate help in relation to liaison with doctors and hospitals, medical bills, repatriation, air ambulance and liaison with relatives.

[28] Pre existing conditions: Excluded ↩

Claims arising from pre-existing medical conditions are excluded; the Health Warranty voids claims under Sections 1, 2, 3 and 9 if the insured or travel companions were receiving or awaiting medical/surgical treatment, had a terminal prognosis, or were on a waiting list at the time of taking out the insurance.

Claims arising from pre-existing medical conditions

[29] Winter sports cover: Optional ↩

Winter sports cover (and other hazardous activities) is excluded unless the winter sports extension is purchased at an additional premium of three times the standard rate.

Winter Sports Cover - Three times the above rates.

[30] Adventure sports cover: Excluded ↩

Winter sports (unless additional premium is paid) and other hazardous activities are explicitly excluded from cover.

Winter sports (unless additional premium is paid) and other hazardous activities

[31] Pregnancy complications: See details ↩

[32] Extreme weather cancellation deadline: 10 days ↩

The IPID lists 'cancellation due to extreme weather conditions or natural catastrophes' as an optional extension available at extra premium, and specifically states that cover for extreme weather conditions must be purchased at least 10 days prior to departure. This 10-day minimum advance-purchase period applies specifically to the extreme weather/natural catastrophe extension, distinct from the general 'Cancellation of Trip' optional cover, for which the Proposal Form and the Summary of Cover state a separate minimum of two weeks (14 days) before departure.

Cover for extreme weather conditions must be purchased at least 10 days prior to departure.

[33] Medical expenses: €250,000 – €600,000 ↩

Aggregate limit for Section 2 (Medical and Emergency Travel Expenses) covering doctor's fees, prescribed medication, hospital treatment (in-patient and out-patient) and related costs necessarily incurred following unforeseen illness or accidental bodily injury abroad; €250,000 under Standard Cover, up to €600,000 under Extra Cover; subject to a €35 excess per claim

€250,000 if the Standard Cover is chosen • Up to €600,000 if the Extra Cover is chosen

[34] Medical transport: €250,000 – €600,000 ↩

Charges for medical transport to the nearest suitable hospital abroad, as deemed necessary by a recognised Medical Practitioner, are covered within the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra)

charges for medical transport to the nearest suitable hospital abroad, as deemed necessary by a recognised Medical Practitioner.

[35] COVID-19 treatment: Excluded ↩

General Exclusions state that any injury, illness, death, loss or expense attributable to the transmission of any communicable disease or virus is excluded; separately, travel to any destination where the World Health Organisation has declared an epidemic or pandemic, or where the Foreign Office or Health Authority of Malta has advised against travel, is excluded from medical expenses cover

Any injury, illness, death, loss, expense or other liability attributable to the transmission of any communicable disease or virus, or to HIV (Human Immunodeficiency Virus) and/ or any HIV related illness including AIDS

[36] Personal liability: €1,250,000 ↩

Covers personal liability of the insured person for death, bodily injury, disease or illness to any person, and accidental loss of or damage to material property, occurring during the insured journey, up to €1,250,000 per insured person under both Standard and Extra cover; this also includes all legal fees incurred in defending any claim with the insurer's written consent, subject to a €35 excess

€1, 250,000 per Insured Person in respect of both the Standard and Extra cover. This also includes all legal fees incurred in the defence of any claim with Our written consent.

[37] Emergency dental: €250,000 – €600,000 ↩

Covered within the aggregate Section 2 medical limit, but restricted to emergency treatment for the relief of pain or treatment rendered necessary by injury; the provision of dentures, artificial teeth or dental work involving precious metal is excluded

Charges for dental treatment other than emergency treatment for the relief of pain or where rendered necessary by injury (treatment shall not include the provision of dentures, artificial teeth or any dental work involving the use of precious metal)

[38] Search & rescue: €250,000 – €600,000 ↩

The policy only refers to 'rescue including repatriation' as part of the additional costs within the aggregate Section 2 medical limit; no separate, dedicated search-and-rescue benefit or limit is specified, and activities typically triggering search-and-rescue claims (mountaineering, rock climbing, pot-holing) are listed as excluded activities

The additional cost ... of travel accommodation and rescue including repatriation incurred in respect of the Insured Person

[39] Legal assistance: €1,250,000 ↩

Legal fees incurred in the defence of a personal liability claim, made with the insurer's written consent, are included within the €1,250,000 personal liability limit; there is no separate stand-alone legal assistance or legal expenses benefit in the policy.

This also includes all legal fees incurred in the defence of any claim with Our written consent.

[40] Emergency medical treatment: €250,000 – €600,000 ↩

Reasonable medical expenses for the immediate needs of an unforeseen medical emergency, including Medical Practitioner's fees and prescribed medication; shares the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra), not a separate sub-limit

Reasonable medical expenses for the immediate needs of an unforeseen medical emergency. This includes Medical Practitioner's fees and any prescribed medication that is needed to recover, hospital expenses, in-patient and out-patient medical treatment and charges for medical transport to the nearest suitable hospital abroad, as deemed necessary by a recognised Medical Practitioner.

[41] Hospitalization: €250,000 – €600,000 ↩

Hospital expenses and in-patient treatment abroad are covered as part of the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra); not a separate sub-limit. Costs of a single or private room are excluded

This includes Medical Practitioner's fees and any prescribed medication that is needed to recover, hospital expenses, in-patient and out-patient medical treatment

[42] Outpatient treatment: €250,000 – €600,000 ↩

Out-patient medical treatment abroad is covered as part of the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra); not a separate sub-limit

hospital expenses, in-patient and out-patient medical treatment and charges for medical transport to the nearest suitable hospital abroad

[43] Medical evacuation: €250,000 – €600,000 ↩

The additional cost of travel, accommodation and rescue including repatriation of the insured person (or an accompanying travelling companion) is covered within the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra)

The additional cost (less any saving by or recovery available to the person concerned) of travel accommodation and rescue including repatriation incurred in respect of the Insured Person or of any Travelling Companion who has necessity to travel, or to remain with, or escort the Insured Person

[44] Repatriation of remains: €250,000 – €600,000 ↩

The cost of returning the insured person's body or ashes to the home address, including their personal baggage, in the event of death abroad, is covered within the same aggregate Section 2 limit of €250,000 (Standard) / €600,000 (Extra)

the cost of returning an Insured Person's body or ashes to the home address including the Insured Person's personal baggage.

[45] Pre existing conditions: Excluded ↩

Claims arising directly or indirectly from a pre-existing medical condition known to the insured person before the travel insurance was issued, affecting the insured person, a close relative, close business associate or any person with whom the insured arranged to travel, are excluded

We will not pay any claims arising directly or indirectly from a Pre-Existing Medical Condition known to You before You issued this travel insurance affecting You, a Close Relative, a Close Business Associate or any person with whom You arranged to travel or stay with.

[46] Winter sports cover: Optional ↩

When the appropriate additional premium is paid (premiums are doubled), the policy extends Sections 1 (Personal Accident), 2 (Medical and Emergency Travel Expenses), 3 (Cancellation and Curtailment) and 4 (Personal Baggage) to non-competitive, non-professional winter sports up to the standard section limits; a €150 excess applies and the insurer is not liable unless the insured wears adequate protective head gear at all times

When the appropriate Premium is paid, this Policy will cover You whilst engaged in Winter Sports on a non-competitive and non-professional basis in respect of Sections 1, 2, 3 and 4.

[47] Adventure sports cover: Excluded ↩

Excluded activities include motor competition, motorcycling on machines exceeding 125cc, quad biking, mountaineering, rock climbing, hunting, trapping, pot-holing, white-water rafting or canoeing, bungee jumping, jet skiing, sub-aqua diving, organized team sports, flying other than as a passenger, horse jumping/racing/hunting, manual labour, power boating exceeding 30 knots, and combat sports

Motor competition, motor cycling (as a driver or passenger) on machines exceeding 125cc, quad biking, mountaineering, rock climbing, hunting, trapping, pot-holing, rafting or canoeing involving white water rapids, bungee jumping or similar activity, jet skiing, sub-aqua diving, organized team sports

[48] Pregnancy complications: See details ↩

The policy has no specific pregnancy exclusion or benefit.

[49] Medical expenses: €200,000 – €1,000,000 ↩

Total amount payable per insured for accidental bodily injury, illness or death during the trip, including emergency medical/dental treatment, additional accommodation and travel costs, and costs of returning home early: €200,000 under Standard Cover, €1,000,000 under Executive Cover

for Standard Cover €200,000 Executive Cover €1,000,000

[50] Medical transport: Covered ↩

Rescue services to take the insured to hospital are covered as part of the overall Emergency Medical and Associated Expenses limit; no separate transport sub-limit is stated

Emergency Medical & Associated Expenses – up to €1,000,000 for emergency medical treatment and additional reasonable expenses incurred if you suffer accidental bodily injury, illness or death during the period of insurance including repatriation expenses.

[51] COVID-19 treatment: €1,000,000 ↩

Cover for COVID-19 includes up to €7,500 for cancellation/abandonment charges, up to €100 per 24-hour period (max €1,000) for additional travel and accommodation expenses, up to €500 for additional return travel expenses, and up to €1,000,000 for emergency medical and associated expenses if the insured contracts COVID-19 while on a trip; this section overrides the general coronavirus exclusion elsewhere in the policy

COVID-19 cover – Up to €7,500 for cancellation and abandonment charges; up to €100 for every complete 24 hour period up to a maximum of €1,000 for additional travel and accommodation expenses.

[52] Personal liability: €1,250,000 ↩

Covers all sums the insured becomes personally legally liable to pay for accidents during the trip resulting in death or bodily injury of any person or loss of/damage to property, up to €1,250,000 for all claims from any one occurrence, plus extra costs and expenses awarded/incurred with written permission; this limit applies equally under Standard and Executive Cover

Personal liability – up to €1,250,000 for legal costs and expenses incurred if you cause an accident during your trip which results in death or bodily injury to third parties.

[53] Emergency dental: €1,000 – €1,250 ↩

Emergency dental treatment incurred outside Malta is covered within the overall Emergency Medical limit; treatment (medical or dental) required in Malta within 3 months of the booked return date is capped at a shared sub-limit of €1,000 (Standard) / €1,250 (Executive)

[54] Search & rescue: Covered ↩

Rescue services required to take the insured to hospital following an accident or illness abroad are covered within the overall Emergency Medical and Associated Expenses limit

[55] Legal assistance: Covered ↩

Extra legal costs and expenses awarded against the insured or incurred with GasanMamo's written permission are paid as part of the Personal Liability section, without a separately stated sub-limit

Personal liability – up to €1,250,000 for legal costs and expenses incurred if you cause an accident during your trip.

[56] Emergency medical treatment: €200,000 – €1,000,000 ↩

Emergency medical treatment (including rescue services to hospital) incurred outside Malta is covered within the overall Emergency Medical and Associated Expenses limit of €200,000 (Standard) / €1,000,000 (Executive), subject to a medical certificate from the treating doctor abroad

Emergency Medical & Associated Expenses – up to €1,000,000 for emergency medical treatment and additional reasonable expenses incurred if you suffer accidental bodily injury, illness or death during the period of insurance including repatriation expenses.

[57] Hospitalization: €750 – €900 ↩

Fixed in-patient cash benefit (not expense reimbursement) if admitted to a hospital abroad licensed for surgery: €25/24h up to €750 total (Standard) or €30/24h up to €900 total (Executive); increased to €50/24h if the European Health Insurance Card is used. Actual in-patient treatment costs are reimbursed separately under the Emergency Medical and Associated Expenses section

Hospital benefit – benefit of up to €30 per day, maximum €900 if you are admitted to hospital during your trip.

[58] Outpatient treatment: Covered ↩

Outpatient emergency medical treatment abroad is covered within the overall Emergency Medical and Associated Expenses limit; no separate outpatient sub-limit is specified in the policy

Emergency Medical & Associated Expenses – up to €1,000,000 for emergency medical treatment and additional reasonable expenses incurred if you suffer accidental bodily injury, illness or death during the period of insurance including repatriation expenses.

[59] Medical evacuation: Covered ↩

Reasonable additional travel and accommodation expenses necessary to get the insured home if the return ticket cannot be used, or to return early due to a close relative's injury, illness or death, are covered within the overall Emergency Medical and Associated Expenses limit

[60] Repatriation of remains: Covered ↩

The cost of returning the insured's body to their home address, or the cost of burial or cremation abroad where death occurred, is covered within the overall Emergency Medical and Associated Expenses limit

Emergency Medical & Associated Expenses – up to €1,000,000 for emergency medical treatment and additional reasonable expenses incurred if you suffer accidental bodily injury, illness or death during the period of insurance including repatriation expenses.

[61] Pre existing conditions: Excluded ↩

Claims under the Personal Accident, Cancellation and Curtailment, Emergency Medical and Hospital Cash Benefit sections are excluded if the insured was receiving or awaiting medical/surgical treatment at inception, or suffering from a serious or chronic illness/injury requiring consultation or treatment within the preceding 12 months (Health Warranty)

Claims arising from any insured person or persons with whom the insured arranged to stay was receiving or awaiting medical or surgical treatment at the time effecting this insurance.

[62] Winter sports cover: €1,000 – €2,000 ↩

Optional extension (additional premium required) covering loss/theft/damage to winter sports equipment up to €1,000 (Standard) / €2,000 (Executive); also unlocks related Piste Closure cover (up to €200/€350) and Ski Pack cover (up to €250/€500)

for Standard Cover €1,000 Executive Cover €2,000

[63] Adventure sports cover: Excluded ↩

Death, injury, illness or disablement resulting from mountaineering, rock climbing, hunting, trapping, pot-holing, white-water rafting/canoeing, bungee jumping, jet skiing, sub-aqua diving, kayaking, tubing or organised team sports is excluded

[64] Pregnancy complications: Not established from the reviewed documents ↩

Not addressed as a distinct benefit in the policy wording or IPID

[65] Medical expenses: €235,000 ↩

Covers emergency medical, surgical, hospital, ambulance (including rescue services to take you to hospital) and nursing fees and charges incurred outside the country of residence. Also covers continuation of treatment in the country of residence up to €1,165 within three months after the booked return date. Includes reasonable additional transport and accommodation if medically necessary to stay beyond scheduled return date, and repatriation costs with prior IMG authorisation.

Atlas will pay You up to the Emergency Medical and Other Expenses Limit shown in the Limits and Excesses Schedule for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering death, Bodily Injury or illness and/or compulsory quarantine

[66] Medical transport: €235,000 ↩

Reasonable additional transport (economy class) and accommodation expenses if medically necessary to stay beyond scheduled return date. Also covers reasonable additional travel expenses (economy class) to return the insured home if unable to use the return ticket. Subject to the overall Section B limit of €235,000 and €50 excess. Includes ambulance and rescue services to hospital.

Reasonable additional transport (economy class) and half board accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date.

[67] COVID-19 treatment: Conditional ↩

Section L extends cover for Coronavirus (SARS-CoV-2/COVID-19) under Sections A, B, C and I, partially overriding General Exclusion 13 (Pandemic and Epidemic). Under Section B, emergency medical expenses for COVID-19 are covered within the overall €235,000 limit. For quarantine without positive test, additional accommodation is covered at €50 per 24 hours up to €700, and additional travel expenses up to €300. Cover is conditional on the insured having tested positive during the trip or a Select Travel Companion testing positive. Cost of COVID tests is not covered.

For the purpose of this section, General Exclusion 13 – Pandemic and Epidemic - is not applicable solely in respect of Coronavirus and solely to the following Sections in the terms described

[68] Personal liability: €1,200,000 ↩

Covers amounts the insured becomes legally liable to pay as compensation for accidental bodily injury, death, illness or disease to any person not in the insured's employment or household, or accidental loss/damage to property not belonging to or under the control of the insured or household members. Includes legal costs and expenses awarded against or incurred by the insured with Atlas' written permission. Limit: €1,200,000 per insured person per trip, excess €50.

Atlas will pay up to the limit shown in the Limits and Excesses Schedule (inclusive of legal costs and expenses awarded against You or incurred by You with Atlas' written permission) against any amount You become legally liable to pay as compensation

[69] Emergency dental: Covered ↩

Emergency dental treatment for the immediate relief of pain to natural teeth incurred outside the country of residence. Covered under Section B within the overall €235,000 limit, subject to the €50 excess.

Emergency dental treatment for the immediate relief of pain to natural teeth incurred outside Your Country of Residence

[70] Search & rescue: Covered ↩

Ambulance and rescue services to take the insured to hospital are included within Section B - Emergency Medical and Other Expenses (overall limit €235,000). The policy does not specify a separate standalone search and rescue limit beyond the ambulance/rescue inclusion in Section B.

Emergency medical, surgical, hospital, ambulance (including rescue services to take You to hospital) and nursing fees and charges incurred outside Your Country of Residence

[71] Legal assistance: €1,200,000 ↩

Legal costs and expenses awarded against or incurred by the insured with Atlas' written permission are included within the Section G Personal Liability limit of €1,200,000. Atlas is entitled to take over and conduct the defence of any legal action in the insured's name. No separate standalone legal assistance benefit is specified beyond the personal liability cover.

Atlas will pay up to the limit shown in the Limits and Excesses Schedule (inclusive of legal costs and expenses awarded against You or incurred by You with Atlas' written permission)

[72] Emergency medical treatment: €235,000 ↩

Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred outside the country of residence as a result of bodily injury, illness or compulsory quarantine, all subject to the overall Section B limit of €235,000. Private in-patient treatment costs are not covered unless authorised by IMG or Atlas.

Emergency medical, surgical, hospital, ambulance (including rescue services to take You to hospital) and nursing fees and charges incurred outside Your Country of Residence

[73] Hospitalization: €475 ↩

€25 for every complete 24 hours the insured person must stay in hospital as an in-patient outside the country of residence, up to a maximum of €475 in aggregate per insured person per trip. Paid in addition to Section B emergency medical expenses. Requires notification to IMG or Atlas as soon as possible.

Atlas will pay You the limit shown in the Limits and Excesses Schedule for every complete 24 hours You have to stay in hospital as an in-patient outside Your Country of Residence up to a maximum limit in the aggregate

[74] Outpatient treatment: Covered ↩

For simple outpatient treatment abroad, the insured must pay the hospital/clinic directly and claim reimbursement from Atlas on return. Outpatient expenses are subject to the overall Section B limit of €235,000 and excess of €50. Continuation of treatment in the country of residence is covered up to €1,165 within three months of the booked return date.

For simple outpatient treatment, You should pay the hospital/clinic Yourself and claim back medical expenses from Atlas on Your return to Your Country of Residence

[75] Medical evacuation: €235,000 ↩

With prior authorisation of IMG, covers the additional costs of air transport or other suitable means, including qualified attendants, to repatriate the insured to their home if medically necessary. Repatriation is in the same class of travel as the outward journey unless IMG agree otherwise. Subject to the overall Section B limit of €235,000. Private repatriation costs are not covered unless authorised by IMG or Atlas.

With the prior authorisation of IMG, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary.

[76] Repatriation of remains: €235,000 ↩

In the event of death outside the country of residence, covers the reasonable additional cost of funeral expenses abroad plus the reasonable cost of conveying ashes to the insured's home, or the additional costs of returning the body home. Covered within the overall Section B limit of €235,000.

In the event of Your death outside Your Country of Residence, the reasonable additional cost of funeral expenses abroad plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home

[77] Pre existing conditions: Excluded ↩

Any pre-existing medical condition (defined as a medical condition for which the insured has received or is awaiting treatment, surgery, tests, investigations or prescribed medication within the 12 months prior to the date of booking or entry date, whichever is later) is explicitly excluded from all health-related sections (A, B, C, D). This exclusion also applies if a close relative, close business associate, accompanying person or person with whom the insured has arranged to stay is suffering from a pre-existing condition. Claims arising from pre-existing conditions remain excluded even if resulting in hospitalisation.

for any claims arising directly or indirectly from: i. any Pre-existing Medical Condition

[78] Winter sports cover: Optional ↩

Winter sports cover is excluded from the base policy and must be purchased as an optional extension (Section N) for specific trips up to 14 days, at €45 per week per insured person per trip (€15 per additional week, maximum 2 weeks). Not available to insured persons aged over 75. Covers accidental loss/theft/damage to ski equipment (up to €1,000), replacement ski equipment hire (up to €350), unused ski pack due to injury/illness (up to €500), and piste closure compensation (up to €350). Certain activities remain excluded even with this extension.

Only operative if this Section is purchased by eligible Insured Persons, the applicable Extension Premium (shown below) is paid per Insured Person per Trip and the relevant Extension Endorsement is issued

[79] Adventure sports cover: Excluded ↩

A wide range of adventure and extreme sports are explicitly excluded from all sections of the policy under General Exclusion 7. Excluded activities include bungee jumping, canoeing at grade 4 or above, caving, canyoning, extreme sports of any kind, gliding, hang gliding, high diving, hot air ballooning (unless organised with qualified pilot), hunting, jet skiing, kayaking, martial arts, micro lighting, parachuting, paragliding, polo, pot holing, quad-biking, rafting, rock climbing or mountaineering requiring guides or ropes, shark diving, sky diving, sky surfing, trekking/hiking above 2500 metres, tubing, underwater activities requiring artificial breathing apparatus, and wrestling.

Your engagement in or practice of: boxing, bungee jumping, canoeing at grade 4 or above, caving or cave diving, canyoning, crewing of a marine craft from one country to another, extreme sports of any kind

[80] Pregnancy complications: €235,000 ↩

Normal pregnancy and childbirth without accompanying complications is explicitly excluded (Important Conditions relating to Health, 1.d.iv). Complications of pregnancy are not explicitly excluded, meaning they may be covered under Section B (Emergency Medical and Other Expenses, up to €235,000) as an illness/bodily injury, provided the condition is not a pre-existing medical condition and all other conditions are met. The policy does not state a separate sub-limit for pregnancy complications.

normal pregnancy or childbirth without any accompanying complications.

[81] Medical expenses: €50,000 – €750,000 ↩

Covers emergency medical treatment outside Malta including rescue services to take the insured to hospital, nursing fees, emergency dental treatment for immediate pain relief (natural teeth only), additional accommodation and transport if advised to stay longer, cost of returning home, and follow-up treatment in Malta within 3 months of return. Three tiers: Low Cost €50,000, Economy €250,000, Club €750,000.

Emergency medical expenses Low cost: €50,000 Economy: €250,000 Club: €750,000

[82] Medical transport: €50,000 – €750,000 ↩

Covered under Section 2 as part of the emergency medical expenses limit. Includes rescue services to take the insured to hospital, additional economy-class transport costs if advised to stay longer, and the additional cost of returning home if unable to use the return ticket. The insurer reserves the right to arrange repatriation when medically safe.

[83] COVID-19 treatment: €50,000 – €750,000 ↩

COVID-19 emergency medical expenses (including rescue services) are excluded by default under the pandemic general exclusion. An optional COVID-19 Extension is available at additional premium per person per trip (Low Cost +€8, Economy +€15, Club +€33) for persons aged up to 80. When purchased, Section 2 is extended to cover emergency medical expenses and hospital benefit arising from COVID-19. Cover cannot be purchased if the insured, travelling companion, close relatives, or hosting persons already have symptoms, test positive, or are awaiting results for COVID-19.

Winter sports extension, Waiver of excess, and COVID-19 extension are available at an additional premium

[84] Personal liability: €1,250,000 ↩

Covers legal liability for damages, claimant's costs and expenses arising from an accidental bodily injury, illness, death or accidental property loss or damage during the trip. Limit: €1,250,000 across all three tiers (Low Cost, Economy, Club). Excess: €50. Defense costs covered if agreed in advance. Excludes liability for household members, close relatives, travelling companions, property in care, fines/penalties, business activities, and ownership/occupation of land or buildings.

Personal liability €1,250,000

[85] Emergency dental: Covered ↩

Covers emergency dental treatment for the immediate relief of pain to natural teeth only, incurred outside Malta. Included within the Section 2 medical expenses limit; no separate sub-limit stated in the IPID.

[86] Search & rescue: Covered ↩

Rescue services to take the insured to hospital are explicitly included under Section 2A as part of emergency medical treatment outside Malta. No separate standalone search and rescue limit is stated; covered within the overall Section 2 medical expenses cap.

[87] Legal assistance: €1,250,000 ↩

Defense costs and expenses are covered within the personal liability section (Section 5) if agreed by the insurer in advance. No separate standalone legal assistance limit; covered within the €1,250,000 liability limit.

[88] Emergency medical treatment: €50,000 – €750,000 ↩

Any sudden and unexpected medically necessary surgical or medical procedure, consultation, test or investigation to cure or actively and substantially relieve an acute medical condition, provided outside Malta. Excludes non-emergency treatment, treatment that can wait until return to Malta, cosmetic surgery, and medication known to be needed before departure.

[89] Hospitalization: €500 – €1,000 ↩

Cash benefit of €25 for every 24 hours spent as an in-patient in a hospital outside Malta towards incidental expenses (e.g. telephone calls). Maximum: Low Cost €500, Economy €750, Club €1,000. In-patient treatment must be notified and authorised by MAPFRE Middlesea in advance.

Hospital benefit of €25 per day spent in hospital abroad up to a limit of: Low cost: €500 Economy: €750 Club: €1,000

[90] Outpatient treatment: €750 – €1,250 ↩

Covers additional related treatment required in Malta within 3 months after the booked return date, up to Low Cost €750, Economy €1,000, Club €1,250.

Additional related treatment in Malta Low cost: €750 Economy: €1,000 Club: €1,250

[91] Medical evacuation: €50,000 – €750,000 ↩

Included within Section 2 emergency medical expenses. The insurer may relocate the insured from one hospital to another and arrange repatriation to Malta when the medical practitioner or World-Wide Assistance confirms it is safe to do so. Limit is shared with the overall Section 2 cap (Low Cost €50,000, Economy €250,000, Club €750,000).

[92] Repatriation of remains: €50,000 – €750,000 ↩

Covers the cost of burying or cremating the insured in the country outside Malta where death occurs, or the additional cost of returning the body or ashes to the insured's home. Included within the Section 2 medical expenses limit.

[93] Pre existing conditions: Excluded ↩

Explicitly excluded. A pre-existing medical condition is defined as any medical condition for which during the last 24 months the insured has been taking or has been taking prescribed medication, or is waiting to receive or has received treatment (including surgery, tests or investigations). Claims under Section 1 (Cancellation) and Section 2 (Emergency Medical) will not be entertained if directly or indirectly resulting from a pre-existing medical condition of the insured or any travelling companion.

Any pre-existing medical condition of a serious or chronic nature and/or injury which required consultation or treatment during the past 24 months;

[94] Winter sports cover: €50,000 – €750,000 ↩

Winter sports and the use of dry ski-slopes are excluded by default. An optional Winter Sports Extension is available at 2.5 times the basic premium. When purchased, coverage for winter sports is added, but certain activities remain excluded: off-piste skiing without a guide, skiing against local authoritative warning or advice, ski-racing, ski-boarding, ski-stunting, free-style skiing, Nordic skiing, ice hockey, bobbing, heli skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, snowcat skiing, snow carting, snow mobiling, or use of bob sleighs, luges, or skeletons.

Winter sports unless the extension is purchased but some extreme winter sports activities are still excluded;

[95] Adventure sports cover: Excluded ↩

Explicitly excluded under 'Excluded Activities'. Excluded activities include rock-climbing or mountaineering requiring ropes or guides, potholing, parachuting, hand-gliding, coasteering, rafting or canoeing involving white water rapids, bungee jumping, sky diving, jet skiing, kayaking, tubing, and sub-aqua diving (except scuba diving of less than 15 metres depth if suitably qualified or supervised by a professional instructor under the 2022 policy wording). Speed/time trials, sprints, or racing of any kind other than on foot, motor rallies, and motor competitions are also excluded.

Participating in excluded activities such as parachuting, bungee jumping and sky diving - all detailed in the policy wording;

[96] Pregnancy complications: Conditional ↩

Pregnancy or childbirth is excluded where the expected date of delivery is less than 12 weeks (or 16 weeks in the case of a multiple pregnancy) before the commencement date of the trip. Normal pregnancy and childbirth are not covered. Emergency complications of pregnancy before the exclusion threshold may be eligible under Section 2 emergency medical expenses subject to not being a pre-existing condition and not having travelled against medical advice.