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Updated: June 2026

Case study · Malta · Tax

How an Elderly Couple Obtained Malta Permanent Residence withoutActive Income and with Age-Appropriate Insurance

For retirees, the main barrier to permanent residence is not money per se, but the form in which income must be proven, and insurance coverage, which insurers are reluctant to provide at advanced age. Nikolay is 68, Tamara is 66; they wanted a peaceful European base near quality healthcare, but without active employment income and with insurance complicated by their age. We explain step-by-step how we compiled proof of stable income from pensions and assets, secured age-appropriate medical insurance, and guided the couple through the MPRP at the reduced threshold for the southern region.

Sergey EvdokimovSergey EvdokimovManaging Partner, BRIDGESReading time8 min readVerificationReviewed by an expert

This case is based on a real matter. The name and certain identifying details have been changed to protect confidentiality.

BRIDGES client story - How an Elderly Couple Obtained Malta Permanent Residence without Active Income and with Age-Appropriate Insurance
Contents

Case at a glance

Situation, solution and outcome in seven lines

Clients
Nikolay (68) and Tamara (66), retired
Objective
Peaceful base in the EU with access to quality healthcare
Programme
Malta Permanent Residence Programme (MPRP)
Challenge
No active employment income; insurers reluctant to provide age-appropriate coverage
Route
Rental residence in Southern Malta—reduced threshold option
Solution
Income proof from pensions and assets; insurance with age-appropriate coverage
Outcome
Permanent residence granted to both spouses

Client story

Client Story

Where they started

Nikolay and Tamara had completed their working years and wanted simplicity: a quiet haven in Europe, mild climate, and access to quality healthcare nearby. Malta was ideal—English-speaking, excellent clinics, peaceful pace of life. Permanent residence gave them the right to live there as long as they wished.

Why the standard route did not work

Yet their age and retiree status created two specific barriers. The first was income. The couple had no active employment salary, which compliance officers prefer to see; instead, they had pensions, savings, and investment income. The funds were stable, but in an unfamiliar form for compliance review—this needed to be presented correctly.

What BRIDGES had to solve

The second barrier was medical insurance. MPRP requires comprehensive medical coverage, but insurers at ages 66–68 are reluctant to issue policies, charge higher premiums, and often exclude pre-existing conditions. For a couple whose primary need was healthcare access, this was not a formality but a critical requirement.

Why a standard answer would not do

They approached BRIDGES, fearing their age would make the programme inaccessible. In reality, the task was not about age but translating their actual financial capacity and healthcare needs into language the programme would accept.

We were afraid that at our age we would be rejected everywhere: no salary, and insurers rarely want to cover retirees. Sergey and his team compiled our income from pensions and investments in a way that raised no questions, and found insurance that genuinely covers us. Now we have a quiet home in Europe near good doctors.

Nikolay, 68 · Nikolay, RetiredThe name and certain identifying details have been changed to protect confidentiality.

What Was at Risk

What Was at Risk

For elderly applicants, the barrier is not the absence of funds but the form of income and insurance availability. Compliance officers are accustomed to salaries, while retirees have income from pensions and assets; insurers are reluctant to cover advanced ages. Both issues are solvable but require precise preparation, not reliance on luck.

Rejection due to income in an unfamiliar form for compliance (no salary);

  1. 01Failure to find insurance with adequate coverage at ages 66–68;
  2. 02Exclusion of pre-existing conditions from the policy—leaving them without real protection;
  3. 03Overpaying by not utilizing the reduced rental threshold in Southern Malta;
  4. 04Case delays due to disorganized collection of financial proof.

The logic of the solution

How the matter progressed: from checks to result

The chart is built from the facts of this matter and shows the logic of the work without decorative or unverified data.

  1. 01
    Stage 1

    We compiled proof of stable funds without relying on employment: pension statements, investment income reports, and savings documentation, consolidated into a single picture of sustainable cash flow for years ahead - this resolved the solvency question under MPRP requirements.

  2. 02
    Stage 2

    We selected medical insurance from an insurer genuinely experienced with ages 66-68, achieving coverage for existing conditions rather than a hollow policy with exclusions - for a couple for whom healthcare was the priority, this was the critical point, not a formality.

  3. 03
    Stage 3

    We chose the Southern Malta rental route with a reduced qualification threshold to avoid burdening the retirees' budget with unnecessary expenses, and selected a property that qualifies under the program.

  4. 04
    Stage 4

    We concluded and registered the rental agreement with the competent authority, obtaining confirmation for attachment to the application.

  5. 05
    Stage 5

    We included both spouses in the composition - applicant and dependent spouse - and prepared documents for Due Diligence.

Takeaway. What appeared to be a barrier - age and lack of active income - was resolved through targeted preparation: the proper form of proving solvency and insurance from a specialized provider. The couple obtained a stable European base with quality healthcare nearby.

How we solved the problem

How we solved the problem

The work was split into verifiable stages so that every conclusion rested on documents.

  1. 01

    Stage 1

    We compiled proof of stable funds without relying on employment: pension statements, investment income reports, and savings documentation, consolidated into a single picture of sustainable cash flow for years ahead - this resolved the solvency question under MPRP requirements.

  2. 02

    Stage 2

    We selected medical insurance from an insurer genuinely experienced with ages 66-68, achieving coverage for existing conditions rather than a hollow policy with exclusions - for a couple for whom healthcare was the priority, this was the critical point, not a formality.

  3. 03

    Stage 3

    We chose the Southern Malta rental route with a reduced qualification threshold to avoid burdening the retirees' budget with unnecessary expenses, and selected a property that qualifies under the program.

  4. 04

    Stage 4

    We concluded and registered the rental agreement with the competent authority, obtaining confirmation for attachment to the application.

  5. 05

    Stage 5

    We included both spouses in the composition - applicant and dependent spouse - and prepared documents for Due Diligence.

  6. 06

    Stage 6

    We submitted the MPRP package to RMA: registered rental, state contribution, donation, age-appropriate insurance coverage, proof of funds - and guided the couple through the verification process to residency status issuance.

Expert comment

When older people come to me, I first address their concerns: it is not about age, but about two specific factors. Retirees have income, just not in the form of employment - it must be properly compiled from pension and assets. And insurance: young people receive it without question, but at 68 many are declined - so you must approach those who genuinely work with this age group and cover existing conditions. For Nikolay and Tamara we addressed both factors and took the reduced Southern threshold so they would not overpay. Age is not a sentence for this program.

Sergey Evdokimov, Managing Partner, BRIDGESSergey EvdokimovManaging Partner, BRIDGES

Outcome

What the client received

What was required
How we did it · Result
Prove income without employment
Pension + assets + savings · Solvency confirmed
Cover healthcare for the age group
Policy from a specialized insurer · Genuine condition coverage
Avoid overpayment
Southern rental (reduced threshold) · Lower mandatory payment
Register status for both
MPRP package to RMA · Permanent residence for the couple
Register status for both
MPRP package to RMA · Permanent residence for the couple

The couple obtained Malta permanent residence: fund stability was proven through pension, asset income, and savings instead of employment, medical insurance was secured with genuine age-appropriate coverage, and the Southern rental route reduced the mandatory payment. Both spouses are included in the status.

Practical takeaway

What matters in a similar situation

  • What appeared to be a barrier - age and lack of active income - was resolved through targeted preparation: the proper form of proving solvency and insurance from a specialized provider. The couple obtained a stable European base with quality healthcare nearby.
  • This case demonstrates that retirement age does not exclude the program. Success depends not on years but on two factors: income in a compliance-acceptable form and insurance that truly protects - both are prepared in advance.

FAQ

Questions people ask in a similar situation

01Can Malta permanent residence be obtained on pension?

Yes. Age is not an obstacle. The key is proving stable income (pension, asset income, savings) and securing medical insurance with age-appropriate coverage. Both factors are prepared in advance.

02How do you prove income without employment?

A combination of stable income sources: pension certificates, investment income statements, accumulated savings. These are consolidated into a unified picture of stable cash flow meeting program requirements.

03Will health insurance be available at ages 66-68?

Yes, but not from all insurers and at higher cost. It is important to find one that genuinely works with age and covers existing conditions rather than issuing a policy with exclusions. We specialize in this.

04Why rent in South Malta?

South Malta and Gozo have reduced qualification thresholds. For retirees who do not require large real estate properties, this lowers the mandatory payment and preserves funds for living expenses and healthcare.

05Will the spouse be included in the status?

Yes. MPRP includes the applicant's spouse as a dependent. Both spouses undergo Due Diligence and obtain status together.

06Do you think residency is no longer accessible at advanced age?

We will compile proof of income from pension and assets, select insurance with genuine age-appropriate coverage, and process through MPRP at the reduced threshold—a stable EU foundation close to quality healthcare.

About the author

Sergey Evdokimov

Author: Sergey Evdokimov

Managing Partner, BRIDGES

As Founder and Managing Partner of BRIDGES, I am responsible for the firm's strategy and personally lead its most complex client matters, including cases in which citizenship or residence decisions require a strategic view and consideration of capital.

I begin by defining the objective: the outcome the client needs, the facts that affect the choice, and the matters that require further review. I then establish the available directions, the sequence of work, and the key decision points.

Once the strategy has been agreed, I oversee the BRIDGES team's key decisions and remain involved at the stages that shape the course of the matter. The purpose is to give the client a clear rationale for the chosen direction and a precise understanding of the next steps.

Prepared on the basis of BRIDGES practice and reviewed by a subject-matter expert.

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Dmitry NagyInternational Tax Consultant, BRIDGES
Dmitry Nagy, International Tax Consultant, BRIDGES

Names and certain details have been changed to protect client confidentiality. The result described reflects one specific situation and is neither a public offer nor a guarantee of a similar outcome. Programme terms are stated as of 2026 and may change - please confirm current parameters with a BRIDGES consultant.