Buying Health Insurance In Mexico
Everyone who works in Mexico is enrolled in the public healthcare sector by their employer, regardless of whether the employee is an expat or a citizen. However, many who can afford it, choose to get private health insurance as well, in order to have access to the better quality of healthcare available in private hospitals.
buying health insurance in mexico
There are two main types of public health insurance in Mexico: the Instituto de Salud para el Bienestar (INSABI) and the Instituto Mexicano del Seguro Social (IMSS), as well as the private insurance sector.
You cannot opt-out of IMSS and subscribe solely to a private health insurance company. You can, however, take out an additional insurance policy from a private provider, which will give you access to private healthcare and more flexibility on where you are treated.
You can buy private health insurance through international health insurance companies, or insurance brokers such as Insubuy or International Citizens Insurance which allow you to compare plans from different companies online to choose what best suits your needs:
The reason why many US expats in Mexico combine both public and private health insurance is that private insurance gives you coverage in private clinics and hospitals, as well as the opportunity to choose your own healthcare provider.
Although healthcare in Mexican private hospitals is only about half as expensive as it is in the United States it can still be too much to pay out-of-pocket, and so a good private health insurance policy is a must.
Remember: If you are enrolled only in the public health insurance scheme, there are specific doctors and clinics which you can visit, depending on locale. This means you cannot choose your doctor and you cannot be treated in private clinics or hospitals, otherwise, you pay from your own pocket.
Private health insurance: Whether a private health insurance scheme will cover you for pre-existing conditions will depend solely on the company and the plan you purchase. Read the policy carefully. You can find an expat health insurance plan that fits your needs for Mexico at Insubuy or International Citizens Insurance.
No, in most cases, you will not be able to use the health insurance you have in the US for treatment in Mexico. Your American health insurance policy, such as Medicare, will not extend outside the borders.
Even if you have an insurance policy with international coverage, you still have to pay out-of-pocket initially, before being reimbursed back in the US. Or, if you have expat health insurance in Mexico but have continued your insurance policy in the US as well, you may use the latter for evacuation to the States for treatment, but there is usually a time cap on this.
If you subscribe to the IMSS health insurance scheme, the cost of Mexican health insurance ranges from MXN 4,650 (appx. USD 218) per year to MXN 12,750 (appx. USD 590) per year. Here the cost of expat health insurance in Mexico by age range:
When it comes to private health insurance for Mexico expats, the cost will depend on the specific company you purchase from, your age, medical history, the amount of coverage you choose, and the policy you subscribe to.
If you regularly travel to the US, you should choose a policy with worldwide coverage, including the USA. However, this will bring up the price of your premium, considering the high cost of healthcare, but it is better than facing those prices without health insurance.
In this post, you will learn why health insurance in Mexico for expats is one of the best in the world. See the cost of the healthcare service in the country and which policies and insurance providers work well with expats and immigrants.
When it comes to choosing the best health insurance in Mexico for foreigners, one major thing to consider is where you can receive treatment given your insurance limitations, whether in a public or private hospital. Sure, any local insurance program can cover immediate care, however, having a global health insurance plan not only guarantees immediate care but also equips you with options of getting it from the best treatment centers in Mexico.
For foreigners living in Mexico, the average cost of a comprehensive health insurance plan is $5,900 per year. Most U.S. citizens also purchase additional coverage in the U.S., and so their premiums are higher.
However, if you are an expat covered through the IMSS for your regular insurance needs, getting supplemental expat health insurance must be highly considered since the standard government-provided care is fundamental.
Non-residents, retired expats, freelancers, or nomads are not eligible for IMSS coverage, and they will need to get their own private international healthcare insurance plan. In any case, it is essential to remember that even a good insurance policy does not guarantee not having to pay for medical emergencies. It is still best to keep a reserve of cash since, in many cases, clinics and hospitals in Mexico do not participate in direct billing programs for international insurance. Patients may have to pay before leaving the hospital and submit the relevant paperwork for reimbursement. They may even have to pay a deposit upfront before getting treated or admitted to the hospital.
Under these conditions, never assume your health insurance in Mexico for expats will still cover you if you leave the country. In particular, visits to the United States may be catastrophically costly if you are so unfortunate as to get involved in an accident or unexpectedly get seriously ill. As with all travel experiences, it's good to plan to make sure you are covered every time.
Use the links below to research Mexico health insurance plans further and request a quote from your preferred global medical insurance programs. These private health plans have been vetted by our expert health insurance agents and are designed specifically for expats and foreigners living in Mexico.
Foreign residents (temporary or permanent) can apply for the Mexican public healthcare insurance system known an IMSS on a voluntary basis which provides access to certain doctors, clinics and hospitals in Mexico. Some medications are also covered under this plan. Coverage costs depend on your age; restrictions and limitations apply and, like all publicly-funded healthcare systems, patient demand is usually higher than the supply of services, so you may have to wait for care. (Note also that people who are enrolled in IMSS through an employer get priority over those who enroll voluntarily.) This article explains the IMSS medical insurance system in Mexico.
Most foreign residents who can afford to do so will take out a private medical insurance plan that covers their personal needs and gives them direct access to private doctors, clinics and hospitals in Mexico. Policies are crafted to the individual situation of the person, couple, or family, and premiums depend on things like your age, term of coverage, coverages included, and the deductible you are willing to pay in the event of a claim. You can complete this health insurance request and our associate will contact you personally to discuss your situation and needs, and provide a no-obligation quote for you to review.
There are several pros and cons to both the public healthcare system and private health insurance in Mexico. If you are relocating to this country, you will want to fully understand your options. Our Mexico healthcare system overview will help guide your decision so you can find the options best suited to your needs.
The Mexican health system aims to provide universal coverage for everyone in the public sector. However, many prefer to use the private sector. We will discuss the institutions from the public sector, including the Health for Welfare Institute (Instituto de Salud para el Bienestar, INSABI), which was established in January 2020. We will also look into the private sector, which is comprised of a network of hospitals and private outpatient clinics (accessed either by purchasing private health insurance or paying directly). Additionally, in this section you will find information on other essential aspects of health care, such as finding a doctor and giving birth.
Bear in mind that Mexican public hospitals and healthcare facilities are overcrowded. Expats should consider acquiring private health insurance. Private hospitals in Mexico are also equipped with the latest technology, you will get more personalized treatment, and have shorter wait times.
The IMSS does not cover some pre-existing conditions, such as malignant tumors, congenital diseases, chronic degenerative diseases, addictions, mental illness, and HIV. If you have any of these conditions, you will not be able enroll in the IMSS insurance program. The IMSS covers other specific pre-existing conditions on deferment, which means that you will be subjected to specific waiting periods before you can seekhealthcare services within the program.
How does health insurance work in Mexico? If you decide to take out health insurance or supplement public care with a private policy, you will want to understand the ins and outs of the private system. If health coverage is not offered to you as part of your employee benefits package, and you can afford it, you might want to consider it, as it will allow you to choose the level of care you get, and how and when it is provided.
In Mexico, you will have good private and public health insurance options. Public health care is usually provided by the IMSS through employment or voluntary enrollment. The INSABI provides health care to individuals who are not covered by IMSS or who do not have private insurance.
Bear in mind that healthcare services are mainly provided in Spanish and may not be available in English. Even though many Mexicans also speak English, particularly employees in the medical system, you should not assume that you will be seen by English speaking staff. Luckily, most private insurance providers include telephone support for their clients. They may help you find a local translator, or even provide the interpretation directly over the phone. 041b061a72