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Below you will find a web page describing several local health insurance plans that I believe are acceptable. You should know that local companies change rates and coverage often, so please don’t hold me to these as chiseled in stone. Be very careful of “coverage” sold by local hospitals, they are not insurance contracts and these “agreements” may change at the whim of the hospital. They are woefully inadequate for any serious condition and most will only pay up to $15,000 lifetime. Remember, most intensive care facilities are $800.00/day. MORE…

An automobile accident or sudden serious illness such as a heart attack, could put you in a precarious financial emergency. While a doctor’s office visit may be less than $50 and routine lab work/medicine are reasonable in Panama, an operation + surgeon’s fees and prolonged confinement to an intensive care facility ($800/day) could quickly surpass $50,000. Adequate coverage is available from local companies selling health insurance. The following plans are from Aseguradora Mundial, a popular local hospital insurance carrier in the Panama market. While other companies offer similar plans here in Panama, the Spanish description of the plans will give you a general idea about rates and coverage. From PPO Panama (which covers you in only one hospital) to the Plan Dorado (which has coverage for ALL Panama Hospitals + limited international coverage) their whole spectrum of protection is displayed. The cutoff age to apply for these plans is 62. The policies have limitations, some requiring use of their network of Doctors and hospitals. Benefits reduce at certain ages and the PPO’s have very strict underwriting requirements. It has been my experience that preexisting conditions will trigger a rejection for coverage in most cases. You must be a resident of Panama to obtain this coverage. Once you leave Panama for residence in another country, your coverage terminates. As an expatriate or new resident of Panama you will be required to take certain lab tests to prove your insurability. These exams are routine and the upfront cost can be expensive $100.00+ women and $120.00+ for men (PSA required). I do business with ALL the local companies offering hospital insurance coverage in Panama. If you wish to see plans from other companies operating in Panama, for more information call Carmen 322-1605.

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