Panama’s health care standards are up to par with first world hospitals and doctors, which is the reason why Panama is rapidly becoming a destination for medical tourism. For information on hospitals in Panama City, click here and outside of Panama City, click here.
Health care providers you know and trust have branches in Panama, such as Blue Cross Blue Shield, IHI BUPA, and World Wide Medical, as well as the local Panamanian Insurance Companies, like PALIC, ANCON and ASSA.
Health Insurance premiums can be significantly lower since Panama is not a litigious country.
It is extremely important to get health insurance in Panama since hospitals will require by law proof of insurance (your card) or a credit card before allowing you to be admitted into the hospital, even for persons in critical conditions.
Your health insurance policy can cover you for hospitalization and/or medical expenses. You can obtain Local or International Coverage.
HOSPITALIZATION
Maternity
Room and food
Intensive care
Special hospital services
Emergencies
MEDICAL EXPENSES
Doctor’s fees
Ambulatory consultation
Medicine
Lab exams and X-rays
LOCAL COVERAGE
Includes Hospitalization and Medical Expenses.
With Co-Payment: the insured person pays a fixed amount for each consultation and the rest the insurance company pays directly to the doctor or is later on reimbursed.
Medical Network: list of doctors in most hospitals in the country.
Doctors/Hospitals outside the network are covered up to a percentage negotiated with the network.
Coverage without maximum age.
Premium depends on age range.
INTERNATIONAL COVERAGE
You can choose between Hospitalization and/or Medical Expenses.
Coverage in Panama and in every country in the World.
Coverage without maximum age.
Premium depends on age range.
Higher insured sum (1- 2 million lifetime benefit)
Deductibles are done by policy or calendar year, they are not by event.
Depending on the company you can continue your policy if you move within Latin America and the Caribbean
More flexible to admit persons with pre-existing conditions.
MEDICAL AND/OR LAB REQUIREMENTS
Requirements depend on the company’s policies, some have no requirements, but the standard is:
For Panamanians – over 40 years of age
For foreigners – of all ages
For children – pediatric report required
When we present you with options for health insurance, we also include the medical requirements each one solicits. Medical exams costs must be covered by the person applying for the insurance. We will assist you in coordinating the medical appointment.
TO OBTAIN A QUOTE:
Send an email to forlacol@gmail.com with the following information:
Your birth date
Any pre-existing conditions
If you are looking for local or international coverage or want information on both options
We will send you a quote by email, then we recommend a meeting to go over your options and answer any questions you might have (health insurance is probably the most complex policy sold).
Remember insurance brokers are managed by their licenses with the Insurance Superintendency and we have the duty to protect your privacy.