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Best medical insurance for expats in Mexico
All foreigners need a health insurance in Mexico. If you plan to visit the country, you’ll have to choose one. We help you choose the best one!
Mexico is an especially attractive country for foreigners from all over the world, be it for its large cities, its white sandy beaches on the shores of the Caribbean Sea, its tasty cuisine, its colourful Pueblos Mágicos or its numerous archaeological sites. So no matter why you decide to spend an extended or permanent stay in the country, you’re sure to be surprised for the better. But what if spicy food plays tricks on your stomach? Or if you get hurt snorkelling in Isla Mujeres? Well, it’ll be much easier to deal with such situations with medical insurance in Mexico. If you’re a foreign national, whether you’re a student, digital nomad, remote worker or tourist, you’ll need to have this type of cover for the time you spend in the country.
Medical services in Mexico can be expensive, even more so in private clinics. So if you have any kind of emergency, medical insurance’ll allow you to receive better medical care. Moreover, unlike local citizens, as a foreigner you won’t have direct access to public health care. In short, having medical insurance will allow you to live a peaceful experience while you work, study or travel around the country.
Are you planning to travel to Mexico and don’t know what medical insurance to take out? Don’t worry! We help you choose the right one with this in-depth analysis of the best medical insurance for foreigners in Mexico.
Which type of foreigners need medical insurance in Mexico?
There are many profiles of foreigners who may need medical insurance in Mexico. For example, you may be an exchange student or a remote worker fulfilling your work obligations while travelling around the country. You can also be an expatriate planning to try your luck and live there or a retiree who wants to enjoy your retirement by the sea.
Here are some of the main types and the details of why it’s crucial for them to have medical insurance in Mexico:
- Expatriates or long-term residents: For foreigners who plan to live in Mexico for an extended period of time, whether for work or personal reasons, medical insurance is essential. Although some employers offer health plans to expatriates, they don’t always cover all eventualities or may have limitations in coverage and access to certain hospitals.
- International students: Those who come to Mexico to study, whether on university exchanges or longer academic programmes, also need medical insurance. Universities and academic programmes often require international students to have medical coverage, and often offer arrangements with local insurers. However, even in these cases, students should seek insurance that includes not only emergencies, but also regular consultations and access to specialists if required.
- Digital nomads and remote workers: This growing group chooses Mexico as a destination due to its affordable cost of living and cultural attractiveness. Even if they aren’t tied to a local employer that offers insurance, digital nomads and remote workers should consider medical insurance. It’ll allow them to access quality services without worrying about high costs. By the way, if you plan to work from the country’s capital, don’t miss this complete guide for digital nomads in CDMX.
- Retirees: Mexico has become a popular destination for retirees, especially from the United States and Canada, due to its climate and lower living costs. For retirees, medical insurance is essential, as their age means that they tend to need more frequent medical care, preventive check-ups and treatment for chronic illnesses. Lack of insurance can result in high costs for regular care, emergencies and long-term care.
- Business travellers or short stays: Those visiting Mexico for business meetings, conferences or specific projects may also benefit from medical insurance, even if the stay is short, involving risks of unexpected illness or accidents. Medical insurance for foreigners on business trips usually includes coverage for emergencies, hospitalisation, and even repatriation in case it is necessary to return to the home country for further treatment.
As you can see, having medical insurance in Mexico will allow each of these groups of foreigners to enjoy their stay in the country with peace of mind and security, as well as avoid health-related concerns and ensure that they have access to quality medical care without unpleasant financial surprises. After all, you don’t want to spend money on hospital bills, do you?
Medical insurance in Mexico: What’s the best plan for a foreigner?
There are different medical insurance options for foreigners in Mexico. Each plan has unique features and levels of coverage, so the choice will depend on the individual’s particular situation, including aspects such as the length and purpose of their stay in the country.
Below, we explain the main types of medical insurance for foreigners in Mexico and in which cases they are most advisable.
- International medical insurance is a common option for expatriates, students and digital nomads who require health coverage in several countries, not just Mexico. Global companies such as Allianz, Cigna and Aetna offer this type of insurance. They include an extensive medical network and usually cover everything from outpatient care to hospitalisation, emergencies and medical evacuation in serious cases.
International insurance may include coverage for specialist consultations, diagnostic tests, dental treatment and treatment of pre-existing conditions, depending on the plan purchased. However, as they provide worldwide coverage, their costs are often high compared to local insurance. It’s an excellent option for those who need mobility in different countries or seek care in high quality private medical networks.
- Local medical insurance: Designed specifically to cover health needs in Mexico, it’s a more accessible and economical alternative to international insurance. Mexican companies such as AXA, GNP and Mapfre offer a variety of health plans covering emergencies, medical consultations, hospitalisation and other services in the country. These insurance plans are usually tailored to those who plan to live in Mexico on a long-term basis or are already established in the country, as the coverage isn’t valid outside the borders.
Unlike international insurance, local insurance usually limits coverage to national services and a network of hospitals and clinics within the country. However, costs are more affordable and many offer basic and advanced plans to suit different needs. They’re ideal for expatriates, students and retirees who reside permanently in Mexico and want comprehensive coverage at a lower cost.
- Insurance for international students: These medical insurance plans are specifically designed for international students who plan to study in Mexico. They usually include cover for emergencies, visits to general practitioners and specialists, and hospitalisation. Some universities in Mexico require international students to have medical insurance, and in some cases, offer their own agreements with insurance companies to facilitate the enrolment process.
These insurance options can cover study-related activities, such as accidents on campus or field placements, which is ideal for students on exchange programmes or long-term studies. Companies such as International Student Insurance and Student Health offer affordable insurance, with coverage for emergencies and routine consultations.
- Seguro Popular and Seguro Privado del IMSS: The Mexican government offers medical insurance options through the Mexican Social Security Institute (IMSS) for resident foreigners. There are two types: Voluntary affiliation to IMSS and Seguro Popular, although the latter is mainly for people without access to private services and with limited resources. Voluntary IMSS membership offers coverage at IMSS clinics and hospitals, with general medical care, emergency care and basic medicines.
It’s an affordable option for permanent residents who meet the programme’s entry requirements. However, coverage and speed of service may be limited compared to private options. This type of insurance can be useful for expatriates who are looking for additional support at low costs and have the availability to receive care in the public system.
- Temporary medical insurance: Ideal for those with a short stay in Mexico. Frequent business travellers or extended tourist will especially benefit from this type of temporary cover. While these plans are often considered travel insurance some offer extended coverage that includes hospitalisation and treatment of medical emergencies, without focusing on chronic illness or long-term care. Companies such as World Nomads and SafetyWing offer such plans, which can be contracted on a daily, weekly or monthly basis.
These temporary medical insurance plans are recommended for those who do not want a long-term commitment to local or international insurance, but want to be covered for any emergencies or accidents that may occur during their stay in Mexico.
How much do health services cost in Mexico?
Prices for health services in Mexico may vary depending on the region and whether it is a public or private institution. This table gives you an overview of the costs of medical services in Mexico in private clinics. It’s important to remember that medical insurance can significantly reduce these costs, so it’s beneficial to take out insurance, especially for long stays or in case of emergencies.
| Medical Service | Approximate cost in dollars (private clinics) |
|---|---|
| General medical consultation | $30 – $70 |
| Consultation with a specialist | $50 – $100 |
| Emergencies | $50 – $150 (depending on severity) |
| Emergency room consultation | $100 – $300 |
| Day of hospitalisation | $500 – $1.500 |
| Minor surgery | $1.000 – $5.000 |
| Major surgical intervention | $5.000 – $20.000 |
| Laboratory test | $20 – $100 |
| X-ray | $20 – $50 |
| Ultrasound | $50 – $100 |
| Tomography | $100 – $300 |
| Magnetic Resonance Imaging | $300 – $600 |
| Natural childbirth | $1.500 – $3.000 |
| Caesarean section | $2.000 – $5.000 |
| Diagnostic tests (COVID-19) | $50 – $200 |
| Mental health consultation | $30 – $100 |
| Physiotherapy (per session) | $30 – $50 |
| Basic dental treatment | $20 – $50 |
| Dental consultation | $20 – $60 |
| Medicines for acute treatment | $10 – $100 |
| Medicines for chronic treatment | $20 – $200 (month) |
| Ophthalmological care | $50 – $150 |
Best medical insurance in Mexico for foreigners
What is the best medical insurance for foreigners in Mexico USA? Answering this question is not easy, as there are many alternatives. Moreover, as you know, the choice depends on many factors. That’s why we tell you about four great insurance options, including their plans, advantages and disadvantages. As you’ll see, each is geared towards different types of foreigners and has its pros and cons. Take note and, in the end, you’ll be sure to know which is the best option for you.
Allianz Care
Allianz Care is one of the best medical insurance for foreigners in Mexico. Its plans are perfect for expatriates, digital nomads and professionals who reside in the country but are constantly internationally mobile. Its extensive coverage and additional services offer peace of mind and security anywhere in the world.
Plans: Allianz Care offers international plans with coverage in Mexico.
- Essential Plan: This is the most basic plan of all, with coverage for hospitalisation and emergencies, but not for routine consultations or specialities.
- Classic Plan: Is an intermediate plan that adds coverage for outpatient consultations and diagnostic tests, in addition to hospitalisation.
- Premier Plan: Provides comprehensive coverage, including maternity, dental and vision options.
- Elite Plan: This is the most comprehensive plan, covering all the aspects mentioned above, plus additional services such as medical evacuation and repatriation.
Advantages: It allows access to medical services in multiple countries. It has an extensive network of quality hospitals and doctors around the world. It offers 24-hour assistance, wellness programmes and access to online medical consultations.
Disadvantages: High costs, especially for comprehensive plans. Some services, such as mental health, may not be covered in basic plans.
Cigna Global
Cigna Global is a leading international medical insurancecompany specialising in providing medical cover for individuals and families living or working outside their home country. With a global presence and an extensive network of healthcare providers, its plans are flexible and customisable to suit each client’s specific needs.
Cigna Global is ideal for expatriates, professionals working abroad, international students and families seeking comprehensive and flexible medical coverage while residing outside their home country. Its extensive network and customisation options make it an attractive option for those who value quality and accessibility in international medical care.
Plans: Cigna Global offers three main plans: Silver, Gold, and Platinum. Prices start at approximately $150 per month for the Silverplan, which is the most basic.
- Silver Plan: This plan provides essential coverage for inpatient and outpatient treatment, with an annual benefit limit of $1,000,000. Includes private room, full coverage for oncology treatment and certain diagnostic procedures.
- Gold Plan: Offers broader coverage with an annual benefit limit of $2,000,000 In addition to the benefits of the Silver Plan, it includes coverage for hospital maternity and newborn care.
- Platinum Plan: The most comprehensive plan, with unlimited coverage for inpatient and outpatient treatment. Includes all the benefits of the above plans, plus full mental and behavioural health coverage.
Advantages: 24/7 customer service with support in Spanish. Extensive medical coverage internationally and in Mexico. Customisation options, which allow specific coverages to be added or removed.
Disadvantages: High costs for more comprehensive plans. Some limitations on dental coverage, depending on the plan.
AXA Mexico
It’s one of the leading insurers in the country, with a wide range of medical insurance products designed to meet the needs of foreigners residing in Mexico. Its plans are aimed at providing comprehensive coverage, ensuring access to quality medical services throughout the country. It’s ideal for foreigners seeking comprehensive and personalised medical cover, with the option to include international protection.
Plans: AXA Mexico offers local plans that cover a wide range of medical needs in Mexico, from emergencies to specialty consultations. Its basic plans start at $80 per month.
- Plan Vital: Basic coverage for consultations and hospitalisation in case of emergency.
- Comprehensive Plan: Includes hospitalisation, outpatient consultations and some preventive services.
- Comprehensive Plan: Comprehensive coverage including dental care, ophthalmology and rehabilitation therapies.
Advantages: More affordable costs for local coverage. Extensive network of clinics and hospitals throughout Mexico. Additional services such as dental care and ophthalmology can be added to the most comprehensive plans.
Disadvantages: Limited coverage outside Mexico. It doesn’t cover certain pre-existing conditions or specific treatments.
Bupa Global
Bupa Global is an international medical insurance company offering plans designed to meet the needs of foreigners in Mexico. Its plans provide comprehensive medical coverage both domestically and internationally, which is especially beneficial for expatriates and frequent travellers.
Plans: Bupa Global offers several medical insurance plans with different levels of coverage. Costs vary depending on factors such as the age of the insured, the level of cover selected and medical history.
- Global Select Health Plan: This plan provides access to a wide range of essential benefits, including hospitalisation, outpatient treatment and medical evacuation. It has an annual coverage limit of $2,000,000 and is ideal for those seeking solid protection across the board.
- Global Premier Health Plan: In addition to the benefits of the Select plan, this plan includes more extensive maternity coverage and preventive benefits. It‘s suitable for families or individuals planning to have children, offering an annual limit of coverage of $3,000,000,
- Global Major Medical Health Plan: This plan is designed to cover major medical expenses, providing peace of mind in cases of hospitalisation or serious illness. It provides global coverage with an annual limit of $3,000,000.
Advantages: Bupa Global plans offer medical protection in multiple countries, which is ideal for expatriates and frequent travellers. Through alliances with networks such as Blue Cross Blue Shield, policyholders have access to a broad network of high-quality medical providers in the United States and other countries. They include preventive health programmes, dental care and access to digital health platforms such as Blua, which allows medical consultations from home.
Disadvantages: Due to the breadth of coverage and services offered, premiums may be higher compared to other local insurance options. The variety of options available can be overwhelming for some users when choosing the most suitable plan.
What’s the best medical insurance for foreigners in Mexico?
The choice of the best medical insurance for foreigners in Mexico depends on the individual needs of each person, the length of stay, the budget and the specific coverage required. However, Bupa Global stands out as a solid option for several reasons:
For starters, it provides coverage in and out of the country, which is ideal for expatriates who travel frequently or who want comprehensive coverage. Another plus point is its extensive network of high quality hospitals and doctors in Mexico, facilitating access to first class medical services. We must also highlight its flexible plans, which adapt to different needs and budgets, allowing policyholders to choose the cover that best suits their circumstances. Finally, it provides support in several languages, including Spanish and English, which facilitates communication and management of services for foreigners.
Despite this, it’s important to compare the options available and consider factors such as exclusions, waiting periods and coverage limits before making a decision.
Medical insurance in Mexico: Frequently Asked Questions
It isn’t compulsory for all foreigners, but it’s highly recommended. Medical costs can be high, and medical insurance allows you to receive quality medical care without facing unforeseen expenses.
Yes, most medical insurance plans for foreigners in Mexico includes coverage for private hospitals. Depending on the plan, coverage may vary in terms of hospital network, covered expenses and requirements for care.
Prices vary by company, type of plan and coverage. A basic plan can start at around $100 per month, while premium plans with international coverage and access to a wide network of private hospitals can exceed $400 per month.
Yes, most plans include emergency care. Some also cover prescription drugs, although this coverage may be limited in the most basic plans.
It depends on the type of plan. International medical insurance plans such as Bupa Global or Allianz Care usually offer coverage in several countries, while some local insurance plans don’t cover medical care outside the country.
