Suitable statuses: Caribbean or Malta citizenship; EU residency
Investments: $100,000+
EU countries provide all types of medical services, from the treatment of oncological diseases and complex operations to pregnancy follow-ups, rehabilitation and care for the elderly.
The cost of treatment depends on the chosen country, clinic, and specific services.
Caribbean citizenship allows you to come to the Schengen countries without a visa and spend up to 90 days out of 180 there. Thus, an investor can go for treatment without delay.
If the treatment requires more time than planned, an extended stay in the country can be requested.
Participation in Caribbean citizenship programs requires at least $100,000 if investments. The application can include a spouse, children, parents, and, sometimes, siblings.
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Individual cost calculation for Caribbean citizenship
An EU residence permit or permanent residence allows you to stay in the country of residence without restrictions. If it is part of the Schengen Area, you can spend up to 90 days out of 180 in other member states.
European residents can undergo complex procedures in one country and go for rehabilitation to another state. An investor can also choose a clinic in the country of residence and undergo a full course of treatment there without extra trips.
Portugal, Greece, Spain, and Malta grant residence permits by investment. Permanent residence programs for investors operate in Malta and Cyprus.
All these countries, except for Cyprus, are part of the Schengen Area; this expands the opportunities for investors to get treatment abroad. An investor doesn’t have to permanently live in the chosen state to maintain a residence permit obtained by investment. The minimum investment amount is €150,000.
Austria, Switzerland, Portugal, and other countries offer residence permits to financially individual persons. It is a non-investment path. A resident must spend at least 6 months a year in the country. Such residence permits are suitable for relocation, not just to get treatment.
A prerequisite for obtaining an EU residence permit is health insurance. It covers the cost of treatment in the clinics of the selected country in part or in full.
Malta citizenship allows you to be treated in the country or other EU states without time limits. Sometimes, investors pay for clinic services at reduced prices or are treated for free.
An investor can get a Maltese passport for exceptional services by direct investment. It is a naturalisation path: investors hold residence permits for one or three years before applying for citizenship.
How to save on treatment. Citizens of the EU states, including Malta, are covered by state healthcare systems. They get access to medical services in their country of residence on special conditions and can save on treatment in other member states.
European residents covered by the state social security system receive EHICs, European Health Insurance Cards. The card is valid when travelling to other EU countries, the UK, Iceland, Liechtenstein, Norway, and Switzerland. The cardholder is provided with emergency medical care on the same terms as the locals: free of charge or at reduced prices.
An EHIC doesn’t replace travel insurance and is not valid if medical treatment is the purpose of the trip.
You can receive reimbursement from the public health insurance fund in your country of residence for treatment abroad. There are two ways to get money back:
Fill out the S2 form in advance and get permission.
Request a refund after returning home.
In the first case, you can be treated only in public clinics. The latter path allows treatment in public and private clinics.
Some procedures must be approved in advance. The conditions depend on the rules in the country of citizenship; they can be clarified at a national contact centre.
If residents of the country where the investor went for treatment get medical care for a fee, the investor will have to pay for the procedures. The costs will be reimbursed under the rules of the country of treatment.
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Individual cost calculation for Maltese citizenship
