All you need to know about
health insurance in South America

Understanding the importance of health insurance in South America

Moving to South America means choosing a life punctuated by a vibrant culture and breathtaking landscapes. Whether it’s for a new adventure or a long-term project, every expatriate needs to prepare for their new environment, and that includes their health. Before moving to Latin America, it’s essential to find out how the local healthcare system works. Taking out an appropriate health insurance plan will help you avoid unforeseen medical problems and ensure that your expatriation is a worry-free experience.

Specific features of healthcare systems in Latin America

In South America, access to healthcare varies enormously from one country to the next, which may come as a surprise to expatriates. In Brazil, the public system is open to all, but is often saturated, prompting many foreigners to turn to private establishments, which are more reliable but also much more expensive. In Argentina, care is a little more affordable, with a consultation with a general practitioner costing between 15 and 20 euros, while in Mexico, prices fluctuate between 15 and 55 euros depending on the region. In addition, certain diseases such as dengue fever and yellow fever are still present in several countries, sometimes requiring rapid treatment. Faced with these disparities and health risks, it’s essential to take out appropriate health insurance to ensure your peace of mind.

Why take out a health insurance policy in Latin America?

Taking out a mutual health insurance policy before leaving for South America, whether for a trip or an expatriation, is a precaution that can avoid many worries. Private health care, often preferred by expatriates for its quality, can quickly add up, and health insurance can help to alleviate these costs. In the event of a serious health problem, repatriation assistance can make all the difference, guaranteeing a return to a country where care will be better adapted to the situation.

Another point often overlooked is civil liability, which protects you in the event of damage caused to others – a detail that can prove essential in certain circumstances. What’s more, some countries, such as Argentina, Chile and Ecuador, require proof of insurance on entry to their territory. So it’s best to plan ahead and choose the right coverage to enjoy your adventure in Latin America with peace of mind.

How to choose a health insurance plan for Latin America?

To choose the health mutual that best suits your needs in Latin America.

• Medical needs assessment: analyze your specific needs, such as the frequency of consultations, pediatric care requirements if you have children, or the management of chronic illnesses.
• Scope of coverage: make sure that the insurance covers consultations, hospitalization, dental and optical care, as well as medical evacuation in the event of an emergency.
• Network of healthcare professionals: check whether the insurer offers access to a network of reputable local healthcare professionals.
• Flexibility and adaptability: if you plan to travel between several countries in the region, opt for multinational coverage. Well-known insurers such as April International, MSH International and Cigna offer packages tailored to expatriates in Latin America.

Your health insurance for South America

Going to live or travel in Latin America means opening up to an adventure rich in discoveries and encounters. But to make the most of it, it’s essential to plan ahead for health coverage. An appropriate health insurance plan not only gives you access to the best care when you need it, but also allows you to leave with peace of mind, without fear of unforeseen medical problems that could spoil the experience.