Atlas Insurance

Emergency Medical and Other Expenses

Covered

Covers emergency medical, surgical, hospital, ambulance (including rescue services), and nursing fees incurred outside Malta due to death, bodily injury, illness or compulsory quarantine; also includes emergency dental treatment for immediate pain relief (natural teeth only), funeral/repatriation of remains expenses, and additional transport/accommodation if medically necessary to extend stay. A sub-limit applies for treatment in Malta within 3 months after the booked return date. Limits vary by cover option: Budget €50,000 / Standard €250,000 / Premier €750,000.

Emergency Medical Treatment

Covered

Emergency medical, surgical, hospital, ambulance and nursing fees incurred outside Malta. Covered under Section B as part of Emergency Medical and Other Expenses. Limits: Budget €50,000 / Standard €250,000 / Premier €750,000. A separate Malta sub-limit applies (Budget €750 / Standard €1,000 / Premier €1,250) for post-return treatment in Malta within 3 months.

Hospital Benefit (Daily In-Patient Benefit)

Covered

Pays €25 for every complete 24 hours as an in-patient in hospital outside Malta, up to a maximum of €700, as a result of bodily injury or illness. This benefit is payable in addition to any amount under Section B – Emergency Medical and Other Expenses.

Out-patient Treatment

Covered

Out-patient emergency treatment is covered under Section B as part of the Emergency Medical and Other Expenses limit (Budget €50,000 / Standard €250,000 / Premier €750,000). For simple out-patient treatment abroad, the insured pays first and reclaims on return to Malta. The IEAP arranges direct payment only for in-patient admissions.

Emergency Dental Treatment

Covered

Covers emergency dental treatment for the immediate relief of pain to natural teeth only, incurred outside Malta. Included within the Section B Emergency Medical and Other Expenses limit (Budget €50,000 / Standard €250,000 / Premier €750,000). No separate sub-limit specified for dental in the policy document.

Medical Transport / Repatriation

Covered

Covered under Section B. Includes reasonable additional transport (economy class) and half-board accommodation if medically necessary to stay beyond scheduled return date, and additional costs for a friend or close relative to remain with or travel to the insured. Repatriation by air transport or other suitable means with qualified attendants is covered with prior IEAP authorisation. Repatriation expenses are in respect of the identical class of travel utilised on the outward journey unless IEAP agrees otherwise.

Medical Evacuation

Covered

With the prior authorisation of the IEAP, covers the additional costs of using air transport or other suitable means, including qualified attendants, to repatriate the insured to Malta if medically necessary. The IEAP also arranges transport home when considered medically necessary and has the expertise to facilitate hospital relocation. Covered within Section B limits (Budget €50,000 / Standard €250,000 / Premier €750,000).

Repatriation of Remains

Covered

Covered under Section B. In the event of death outside Malta, 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 to Malta. Covered within the overall Section B limit (Budget €50,000 / Standard €250,000 / Premier €750,000).

Search and Rescue / Ambulance Rescue Services

Covered

Ambulance services including rescue services to take the insured to hospital are explicitly covered under Section B – Emergency Medical and Other Expenses. No separate standalone search and rescue benefit or separate limit is stated; it forms part of the Section B medical expenses limit (Budget €50,000 / Standard €250,000 / Premier €750,000).

COVID-19 / Coronavirus Treatment

Covered

Covered under Section M – Coronavirus Extension (included in all cover options at no extra premium). Emergency medical expenses under Section B are covered if the insured contracts Coronavirus during the trip. Additional accommodation expenses of up to €50 per day up to €700 and up to €300 for additional travel expenses to return to Malta are payable if the insured or select travel companions are forced into quarantine due to Coronavirus (even absent a positive test). Hospital Benefit (Section C) is also payable whilst in hospital due to Coronavirus. General Pandemic/Epidemic exclusion (Exclusion 22) is disapplied solely in respect of Coronavirus under the Coronavirus Extension conditions.

Personal Liability

Covered

Covered under Section G at €1,250,000 (inclusive of legal costs and expenses awarded against or incurred by the insured with Atlas's written permission) for all three cover options (Budget, Standard, Premier). Covers compensation for accidental bodily injury/death/illness/disease to third parties, and loss of or damage to third-party property. Excludes trade/business liability, owned/used vehicles, aircraft (including drones), firearms, and transmission of communicable diseases.

Legal Costs (within Personal Liability)

Covered

Legal costs and expenses awarded against or incurred by the insured are included within the personal liability limit of €1,250,000 under Section G, subject to Atlas's prior written permission. There is no separate standalone legal assistance/legal expenses section. The insurer is entitled to take over and conduct defence of any claims in the insured's name.

24/7 International Emergency Assistance

Covered

The International Emergency Assistance Provider (IEAP) – Global Response – operates 24 hours a day, 365 days a year. Contact number: +44 292 066 2438. Provides advice and assistance for hospital admission, repatriation, authorisation of medical expenses, and arranges transport home when medically necessary. For in-patient hospital treatment or repatriation, the insured must contact the IEAP as soon as possible. Private medical in-patient treatment and repatriation costs are not covered unless authorised by the IEAP or Atlas Insurance.