Daily life in Malta — healthcare, housing, transport, and services

Malta has a public healthcare system. The main public hospital is Mater Dei Hospital in Msida — a large modern facility providing emergency, specialist, and inpatient care. Outpatient health centres (polyclinics) are distributed across Malta and Gozo and handle general practice and routine care.

As a worker paying social security contributions, you are entitled to access public healthcare. Register with a local health centre as soon as you arrive. For non-emergency care, you will typically visit a health centre first and be referred to specialist services if needed.

Private clinics and hospitals are also available (such as St James Hospital and Karin Grech Hospital) for those who prefer private care or need faster access to specialists. Many employers include private health insurance as a benefit — check your employment contract.

Malta has a private rental market that is heavily in demand, particularly in the northern harbour area (Sliema, St Julian's, Gzira) and around the Grand Harbour. Rents have increased significantly in recent years — budget for this in advance.

Rental contracts are typically for one year, sometimes shorter. Ensure any rental agreement is in writing and that you understand your obligations regarding utilities, maintenance, and notice periods.

Your employer may assist with initial accommodation or provide a reference for landlords. EU law and Maltese tenancy law protect you from certain forms of housing discrimination.

Malta has a public bus network operated by Malta Public Transport. Routes cover most inhabited areas of Malta and there is a ferry connection to Gozo (operated by the Gozo Channel Company). The bus network is the primary form of public transport — there is no underground or rail system.

A Tallinja card (the rechargeable public transport card) reduces bus fares significantly compared to cash payment. Cards are available from public transport offices and certain retail outlets.

Many workers use private cars or motorbikes. Malta drives on the left — an important fact if you are used to right-hand traffic. Roads in the urban areas are often narrow and traffic congestion is significant during rush hours.

Opening a bank account in Malta as a TCN requires your permit, passport, and proof of address. The main local banks are Bank of Valletta (BOV) and APS Bank. International banks including HSBC also operate in Malta.

Many employers pay salaries directly into a bank account — setting up your account as early as possible after arrival is a priority. Some banks have waiting times for new account approvals.

ATMs are widely available across Malta. Card payment is widely accepted, though some smaller local businesses still prefer cash.