The University of Malta, Mediterranean Insurance Brokers (Malta) Ltd (MIB) and Atlas Healthcare Insurance Agency Limited are pleased to announce the renewal of the Employee Benefit Scheme for the period 1^st March 2026 up to and including 28^th February 2027.  The rates of contributions are the following:

Option 1a is covered in full by the UM for its full-time staff. Staff under Option 2a and 3a have to deduct the relevant Option 1 premium paid by the University for its full-time staff.

The following rates have to be added to the rates for standard option 1, 2 or 3:

Staff members who wish to upgrade their level of cover are required to complete an application form. If dependants are being added for the first time or are upgrading their cover, their details should be included in Section 2 of the staff member’s proposal form, while Section 1 should contain the staff member’s own details.

It is important that proposal forms are fully completed and manually signed by all applicants aged 18 or over. Please note that images of signatures are not accepted.

All existing employees and dependents upgrading their cover will be medically underwritten for the upgrade and an application form giving full medical history would need to be completed. This means that any pre-existing medical conditions and/or symptoms will only be covered up to the level of the previous cover but new unrelated medical conditions arising after the upgrade, will be covered by the new upgraded plan as per terms and conditions of the policy.

Dependants may be added to the policy only at renewal, except in the following cases:

• New-borns – Atlas Healthcare must be notified through your HR within 3 months of birth and provided with a copy of the birth certificate.
• Dependants of new employees
• Newlywed spouses

Please note that dependants cannot be insured on a higher level of cover than the employee. If an employee wishes to place a dependant on a higher level of cover, the employee must upgrade their own cover accordingly.

All dependants joining the policy for the first time, on any level of cover, are required to complete an application form and declare their medical history. Any pre-existing medical conditions or symptoms will be fully excluded from cover.

Upgrades or downgrades to the policy can only be made at renewal. Unless advised otherwise, Atlas Healthcare will assume that there are no changes and the policy will be renewed on the same level of cover for the following year.

In line with previous practice, Atlas Healthcare is offering the Dental Corporate to staff and their dependants who are insured under options 2 or 3 only.  Staff or dependants wishing to enrol to this benefit are to complete a Dental Corporate application form.

The University will continue to give the opportunity to its employees to pay the premium in monthly instalments. Therefore, members of staff who have not taken this option last year, and would like to opt for it now, are required to fill in the relevant form.

UM undertakes to contribute on a pro-rata basis, the premium of its employees who are engaged on a part-time or reduced hour basis. These members of staff are not automatically insured. Contact Ms Rebecca Vella Psaila to check whether you are insured or not.

All relevant forms and the new ‘Table of Benefits’ may be downloaded from the following page.

Alternatively, forms may be obtained from the Office of the Employee Benefit Scheme, Room 217, Administration Building, University of Malta, Msida. 

Please note that several option 2 and 3 benefits will be revised with effect from 01/03/2026. Such revisions are being denoted in red for ease of reference.

Procedure

Staff wishing to make changes to their level of cover should inform the Employee Benefit Scheme Office by not later than 20 February 2026. In the case where a form is required completion, Ms. Vella Psaila (details below) will be providing a copy of same, and the full completed form needs to be forwarded to MIB by email to Mr Gabriel Attard by not later than 20 February 2026. 

Late submissions will not be accepted. Employees are advised to retain a copy of the final form/s submitted to the insurance. 

On a separate note, please ensure that Atlas Healthcare is informed of any changes to your residential address. Renewal documentation is sent by post, and it may not reach you if their records are not updated. Kindly communicate any address updates directly to Ms. Vella Psaila by email (contact details below).

Remarks

Please also note that claims submitted during March and April may take slightly longer to be settled. This is due to Atlas Healthcare’s need to finalise the renewal process for the entire University group and to reconcile the membership lists with your HR team. In the meantime, claims should continue to be submitted as usual by uploading the documentation through the following link.

Kindly ensure that original documents are retained, as Atlas Healthcare may request them should any clarification be required or if the uploaded images are unclear. Claim forms can be accessed here.

Changes to the Membership Handbook

Atlas Healthcare constantly review their policies and often make changes to update or clarify the members’ cover. With effect from renewal of this group’s policy, a new Membership Handbook will be introduced.  Atlas will be updating and clarifying their terms as noted in the ‘Overview of updated to your Membership Handbook’ accessible through Overview of changes to membership-handbook.

The updated Membership Handbook may be accessed from Membership Handbook.

Contact:

Ms Rebecca Vella Psaila or send an email

Mr Gabriel Attard on Tel: +356 2343 3116 or send an email.