Mr. Micallef is a healthcare and insurance professional with a career spanning thirty-five years in the healthcare sector, eighteen years of which in insurance and financial services management. He is an Associate of the Chartered Insurance Institute and a Chartered Insurer. He holds a master’s degree in business administration (Henley Management College UK) authoring his theses on “Word-of Mouth Marketing - The Key Elements for Growth in the Private Medical Insurance Sector”. Starting his career in 1980 as a registered nurse, he subsequently became senior registered nurse responsible for the surgical ward in the national health sector. Mr. Micallef was also the first Ward Manager at St Philip’s Hospital, which was Malta’s first private hospital in 1994. He also acted as a management consultant for a private hospital, Capua Palace Hospital Malta where he advised management in the design and implementation of theatre operations and ward management systems. In 1998 he joined BUPA Healthcare as Claims Manager where he restructured the claims department focusing on reduced costs and improvement in customer service systems. In 2005 he joined Middlesea Insurance plc (a member of the Mapfre group) and moving upwards to Senior Executive Manager for the Underwriting and Administration department for group and Individual health and group life policies. Throughout his career he managed teams that almost doubled the income for both group life and group health insurance combined business. He was responsible for product design and marketing, and implementation of underwriting and claims policies and procedures in the health insurance department. In 2013 he joined a newly established insurer to set the Health Insurance Department including all claims and underwriting systems, network providers, health insurance business development for Malta, Middle East and North Africa. Mr. Micallef’s experience as an insurance trainer spans over twelve years as a visiting lecturer at the Malta Insurance Training Centre, the Gulf Insurance Institute (Bahrain and Saudi Arabia), the Malta Chamber of Commerce (LCCIEB) and RISC Institute. He has developed and delivered several workshops for a diverse audience in medical insurance and provided tuition for CII subjects in (a) Private Medical Insurance, (b) Claims Management, (c) Economics and (d) Insurance Law.