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Best medical insurance in Costa Rica for expats
Are you going to spend some time enjoying the Costa Rican country? We tell you everything you need to know to choose medical insurance in Costa Rica.
Thinking of moving to Costa Rica or spending some time enjoying its many charms? The Costa Rican country, known for its biodiversity, friendly people and relaxed lifestyle, is a popular choice for many foreigners. However, before embarking on this adventure, it’s crucial that you ask yourself: What type of medical insurance for Costa Rica do I need if I want to be protected in case of medical emergencies?
In this article, we’ll explore the medical insurance options available to foreigners in Costa Rica, helping you make informed decisions to make your stay as pleasant as possible. Health care in Costa Rica combines a public system, administered by the Costa Rican Social Security Fund (CCSS), and a variety of private health care options. Although medical care in the country is generally of high quality, it’s essential to understand how the health care system works and which insurance options are most suitable for expatriates and visitors.
Which foreigners need medical insurance in Costa Rica?
Before going into detail about medical insurance for foreigners in Costa Rica, it’s essential to understand the context of the Costa Rican health care system. The CCSS provides public services to residents and citizens, functioning as a universal health system. Although it offers low-cost medical care, be aware that there can be long waits and limitations on the availability of medicines and treatments, especially for non-urgent procedures.
For foreigners, access to public health care is restricted. They can only benefit from the CCSS in emergencies, unless they are residents. Once a foreigner acquires residency, it is mandatory to join the CCSS and contribute a percentage of his or her income for full medical care. However, many expatriates opt for private medical insurance to complement CCSS coverage, as private care tends to be faster and of higher quality.
That said, groups that typically require medical insurance in Costa Rica include:
- Digital nomads: This group, which has grown significantly with the rise of remote work, chooses Costa Rica for its nature, quality of life and opportunities. Due to their active lifestyles, digital nomads in the country need medical insurance to cover consultations, emergencies and hospitalisation.
- International students: Young people moving to Costa Rica to study, both in exchange programmes and at universities, must have adequate medical insurance. This not only gives them peace of mind, it’s also a requirement for enrolment in most educational institutions.
- Long-term expatriates: Those who move to Costa Rica for work, family reasons or simply to enjoy the “pura vida” should have insurance to protect them in the long term. This group includes professionals who plan to settle in the country and want to be prepared for any medical eventuality.
- Long-term tourists: Although this group does not reside permanently in the country, tourists who plan to stay longer than 90 days should also consider taking out medical insurance to cover accidents or illnesses that may arise during their visit.
What types of medical insurance are required for foreigners in Costa Rica?
Do you belong to any of the groups mentioned in the previous section? They all have different needs and there are some insurance plans that are better suited to some circumstances than others. So that you can make an informed choice, we’re going to review the different types of medical insurance for foreigners in Costa Rica.
1. International medical insurance
Perfect for those who travel frequently or plan to live in several countries. These policies offer extensive coverage that includes medical care at prestigious hospitals and access to a wide network of doctors and specialists. Companies such as BUPA Global and Cigna Global are renowned for their quality and reliability, enabling policyholders to receive medical care both at home and abroad. If you decide to take out one of these, be sure to check out our guide to the best international medical insurance policies for 2025.
2. Local medical insurance
Designed specifically for those living in Costa Rica, these insurance plans offer a variety of coverage options to suit different needs and budgets. Many insurers provide policies that cover everything from consultations to hospitalisation. These are more affordable options than international insurance.
3. Supplementary medical insurance
For those who’re affiliated to the public health system (CCSS), there are complementary insurance plans that offer additional coverage. These policies help cover expenses not covered by public care, such as certain treatments or medications.
4. Student medical insurance
Some insurers offer specific plans for international students. These insurance options are often cheaper and tailored to the health care needs of young people studying in the country.
How much do health services cost in Costa Rica?
It’s important to note that prices for medical services in Costa Rica at private clinics or hospitals vary according to location and quality of care. Even so, the Costa Rican Social Security Fund (CCSS), which is the body in charge of public health in the country, has a section detailing the prices of various medical procedures and services. This information allows citizens and residents to access clear prices for consultations, hospitalisations, laboratory tests and other services.
Although it is advisable to have insurance to avoid large outlays if necessary, the prices of medical services in Costa Rica are much more affordable than in other countries such as the USA, here are some examples:
| Service | Price |
|---|---|
| General medical consultation | From ₡39,520 ($77) |
| Consultation with a specialist | From ₡78,000 ($152) |
| Hospitalisation per day | From ₡70,000 ($130) |
| Diagnostic tests | From ₡69,500 ($135) for the blood test |
| Emergency care | From ₡62,400 ($122) |
| Surgical intervention | From ₡1,698,990 ($3,308) |
| Maternity (childbirth) | From ₡1,117,000 ($2,175) |
| Paediatrics | From ₡64,272 ($125) |
Top 5 best medical insurance for foreigners in Costa Rica
Now that you know which foreigners need medical insurance in Costa Rica and the different types that exist, you may be wondering how to find the best one. Although we anticipate that the best one will depend on your circumstances and requirements, we’ve made a list of the five best options you have if you’re going to spend a long time enjoying the wonders of the Costa Rican country. Here they’re:
INS (National Insurance Institute)
This is a slightly different type of insurance, but it deserves a mention. The National Insurance Institute (INS) is a public entity and one of the pillars of the insurance system in Costa Rica, founded in 1924. It acts as a state insurer, offering various policies including health, life and motor insurance, among others. Its focus is on providing coverage not only to Costa Rican citizens, but also to foreigners residing in the country, thus complementing the public health system administered by the Costa Rican Social Security Fund (CCSS).
This is particularly beneficial in a system where the CCSS, while offering universal health services at low cost, often presents challenges such as long waiting times and limited availability of certain treatments. INS is therefore positioned as an attractive option for those seeking faster and more efficient medical care, while ensuring the peace of mind of knowing that they are backed by an institution with decades of experience and a firm commitment to customer satisfaction.
Coverage and services
INS offers comprehensive coverage that covers a variety of medical needs, including:
- Medical consultations: Access to consultations with general practitioners and specialists, ensuring that insured persons receive adequate care for any health problems.
- Hospitalisation: Cover for hospitalisation, including costs of surgery and care in accredited medical centres.
- Diagnostic tests: Laboratory tests and other diagnostic procedures necessary for the treatment of various medical conditions.
- Emergency care: Access to emergency care at hospitals and clinics in the INS network.
Plans and prices
INS offers various medical insurance policies for foreigners, adapting to different needs and budgets. Prices can vary considerably depending on the type of cover chosen and the duration of the policy.
| Advantages | Limitations |
|---|---|
| Emergency care at hospitals and clinics in the INS network. | Limited dental care coverage |
Exclusions for pre-existing conditions | |
| Longer waiting times than other insurance plans |
BUPA Global
Bupa Global is one of the world’s most recognised international health insurers, offering high quality medical insurance for expatriates and travellers. With more than 70 years of experience in the sector, it has established itself as a reliable choice for those seeking first-class medical care, regardless of location. The company focuses on providing exceptional service and access to medical care through an extensive network of hospitals and healthcare professionals around the world, which is especially valuable for expatriates residing in Costa Rica.
Bupa Global plans are designed to suit the needs of policyholders, providing options ranging from basic coverage to more comprehensive plans that include preventive care, mental health services and specialised medical assistance.
Coverage and services
Bupa Global offers coverage that guarantees access to the most demanded medical services by foreigners:
- General and specialist medical care: Allows unlimited consultations with general practitioners and specialists in different fields.
- Diagnostic tests and laboratory examinations: Includes X-rays, MRI and other imaging studies.
- Hospitalisation: Covers the costs of hospitalisation in the event of surgery or illness, with access to private rooms.
- Emergency care: Access to emergency care both in private clinics and in state-subsidised hospitals.
- Dental care: Offers a basic package of dental services including cleanings and fillings.
- Coverage for chronic and pre-existing conditions: Covers some chronic conditions from day one, which is a plus, although certain pre-existing conditions may be subject to medical assessment.
Plans and prices
- Individual and family plans: Rates vary depending on the type of coverage and the age of the insured, starting at approximately $1,200 per year.
| Advantages | Limitations |
|---|---|
| Extensive network of hospitals and clinics throughout Costa Rica | Limited coverage for certain pre-existing conditions |
| Exceptional customer service | Mental health exclusions |
| Flexibility in tailor-made plans | More expensive than other local insurance plans |
Cigna Global
Cigna Global’s one of the world’s most recognised health insurers, offering a wide range of medical insurance products specifically designed for expatriates. With a solid reputation in the sector, it stands out for its commitment to customer care and the quality of its medical services. The company operates in multiple countries and has established an extensive network of hospitals and doctors, ensuring that policyholders can access quality medical care wherever they are. In Costa Rica, Cigna offers plans that are flexible and adaptable, allowing policyholders to choose the coverage that best suits their individual needs.
Cigna not only provides coverage for emergencies and hospitalisations, but also includes preventive services and outpatient consultations. In addition, its digital platform, which you can use at any time if you take out your Holafly eSIM, allows policyholders to manage their policies, access information about their cover and make queries quickly and easily. This is especially useful for digital nomads and expatriates who value accessibility and ease in managing their insurance.
Coverage and services
Cigna Global offers coverage that guarantees access to the most demanded medical services by foreigners:
- General medical consultations and specialties: Wide range of medical specialties, including preventive medicine. Up to $500,000.
- Hospitalisation and emergency cover: Covers medical emergencies in partner hospitals and clinics worldwide.
- Diagnostic tests (MRI, etc.): Up to $2,500.
- Dental and vision cover: With International Vision &Dental package
- Mental health care: Includes psychology and psychiatry services with some limits. Up to $3000.
- Medical evacuation: Up to $50,000
- Maternity cover: Optional in certain plans and subject to a qualifying period.
Plans and prices
Cigna provides different insurance plans tailored to the needs of policyholders, with prices ranging from:
- Cigna Close Care℠ Plans: $1,200 to $3,500, depending on coverage, age of insured and additional services selected.
| Advantages | Limitations |
|---|---|
| Extensive network of hospitals in Costa Rica | Exclusions for pre-existing conditions |
| International coverage | Limited psychological care |
| Flexibility in the plans | Policy prices can vary significantly |
ASSA
ASSA is a renowned insurer in Latin America, especially known for its commitment to customer service and customised solutions for expatriates. With a strong presence in Costa Rica, it offers plans designed to meet the needs of those residing in the country. Its “ASSA International” plan focuses on providing comprehensive coverage that ensures access to a wide network of hospitals and doctors, allowing policyholders to receive the care they need at any time.
ASSA stands out for its personalised care (with telemedicine service) and its focus on integral health, making it a preferred option for those seeking reliable medical insurance in Costa Rica. In addition, the insurer offers a variety of policy options, allowing policyholders to select the plan that best suits their requirements and budget.
Coverage and services
The ASSA International plan provides coverage that includes the medical services most requested by expatriates in Costa Rica:
- General and specialist medical care: Allows unlimited consultations with general practitioners and specialists, essential for those who require regular medical care.
- Diagnostic tests and laboratory examinations: Includes tests such as blood tests and imaging studies, which are essential for accurate diagnoses.
- Hospitalisation: Covers hospitalization expenses for surgeries or long-term treatments, offering private rooms in many facilities within the network.
- Emergency care: Access to emergency services both in private clinics and in agreed hospitals, guaranteeing rapid care in critical situations.
- Basic dental care: ASSA provides a dental service package that includes cleanings and basic care.
- Coverage for chronic and pre-existing conditions: Covers some chronic diseases from the start of the policy, although certain pre-existing conditions may require an evaluation.
Plans and prices
ASSA presents various plans to suit different periods of stay in Costa Rica. Rates vary according to location and whether the plan is individual or family. Prices start from €90 ($97) per month.
- ASSA Novus Blue: Protection up to $50.000 .
- Dominus Blue Plus: Worldwide coverage up to $2,000,000 .
- Dominus Blue: National and international coverage up to $1,000,000 .
| Advantages | Limitations |
|---|---|
| Wide range of medical services including primary care, specialised care, hospitalisation and emergency care. | Limited mental health coverage |
| Various policy options tailored to the specific needs of expatriates. | Age restrictions |
| Focus on customer service | It doesn’t cover treatment related to accidents at work or traffic accidents |
GeoBlue
GeoBlue is one of the leading insurers in the field of expatriate medical insurance, offering policies specifically designed to meet the needs of those living outside their home country, including Costa Rica. With a focus on international healthcare, GeoBlue has earned the trust of many policyholders through its extensive provider network and commitment to quality service. Its digital platform makes it easy to manage policies and claims, which is particularly useful for expatriates.
Coverage and services
GeoBlue provides coverage that includes the medical services most requested by expats in Costa Rica:
- General and specialist medical care: Allows unlimited consultations with general practitioners and specialists in different fields.
- Diagnostic tests and laboratory examinations: Includes X-rays, MRI and other necessary studies.
- Hospitalisation: Coverage for hospitalization in case of surgery or illness, with access to private rooms in network hospitals.
- Emergency care: Emergency services at contracted clinics and hospitals, ensuring quick care in critical situations.
- Dental care: Offers a basic package of dental services including cleanings and fillings.
- Coverage for chronic and pre-existing conditions: Some chronic illnesses are covered from day one, although pre-existing conditions may be subject to evaluation.
Plans and prices
GeoBlue offers different plans that cater to the needs of policyholders. Prices can vary considerably, starting at around $120 to $400 per month, depending on the coverage chosen and the age of the insured.
| Advantages | Limitations |
|---|---|
| Access to medical care worldwide, ideal for frequent travellers. | Rates can be high depending on the coverage and the age of the insured. |
| Its digital platform makes it easy to manage policies and claims. | There may be limitations on the coverage of pre-existing illnesses. |
| Focused on the holistic well-being of the patient | Although it includes services, they are not as extensive as those offered by other insurers. |
Which is the best medical insurance for foreigners in Costa Rica?
Choosing medical insurance for Costa Rica, among the many options available, isn’t easy. Mostly because it depends on the age, circumstances and needs of the expat. However, based on all the information we have reviewed in this article about each company and the experiences of expatriates who’ve used these insurance plans during their stay in the country, we could say that there is one that stands out from the rest: Bupa Global.
Why Bupa Global?
- Comprehensive medical coverage: Offers a special plan designed for expatriates, including access to an extensive network of doctors and hospitals. Its policy covers unlimited consultations with general practitioners and specialists, outpatient treatment, hospitalisation and emergency care, giving policyholders peace of mind.
- Health provider network: With an extensive network of partner hospitals and clinics, policyholders can choose from numerous health care options in Costa Rica, ensuring that they’ll receive quality care when they need it most.
- Coverage for pre-existing conditions: Unlike other insurers, Bupa Global can offer coverage for certain pre-existing conditions from the inception of the policy, which is essential for many expats and retirees who require ongoing medical care.
- Dental and vision care: The plan includes basic dental and vision care services, which adds significant value, as many insurance plans do not offer this coverage and can result in unexpected expenses.
- Flexibility in plans and prices: Bupa Global has different plan options tailored to individual needs, from student insurance to more comprehensive policies for families and retirees. Prices are competitive, starting from $150 per month, depending on the chosen level of coverage.
- Emergency care: Access to emergency care at private clinics and affiliated hospitals is a key feature that provides peace of mind, allowing policyholders to act quickly in medical emergencies.
So much for our review of medical insurance in Costa Rica. Do you need more information about life in Costa Rica? Be sure to check out our guides on what to pack for places like Tamarindo or San José or how to get internet once you arrive. You may also be interested in our guide to visas for remote workers.
