Health Insurance in Sri Lanka

Sri Lanka offers a universal system that is free for all citizens. However, the public healthcare system may have limitations in terms of facilities and waiting times. Therefore, many people, including expats and digital nomads, opt for private healthcare services, which are usually covered by health insurance.

Health Insurance Companies in Sri Lanka

Several health insurance companies operate in Sri Lanka, with some of the most popular ones being Ceylinco Health Insurance, Union Assurance, and Sri Lanka Insurance Corporation. These companies offer a range of health insurance plans that cater to different needs and budgets. Expats are generally eligible to purchase health insurance from these companies. Ceylinco Health Insurance is known for its comprehensive coverage and cashless hospitalization services. Union Assurance offers flexible plans that can be tailored to individual or family needs. Sri Lanka Insurance Corporation, being the state-owned insurer, provides a wide range of plans with varying degrees of coverage.

Expat Health Insurance in Sri Lanka

Some expats living in Sri Lanka choose to buy specialized expat health insurance plans designed for those living abroad. These plans often provide international coverage, ensuring that policyholders are covered not just in Sri Lanka but also in other countries. Some expats prefer these plans because they offer benefits such as emergency evacuation, repatriation, and coverage for pre-existing conditions, which may not be included in local health insurance plans.

Local Health Insurance vs. Expat Health Insurance

The choice between local health insurance and specialized expat health insurance often depends on individual preferences and circumstances. Some expats and digital nomads may opt for local health insurance companies due to their familiarity with the local healthcare system and the relatively lower cost of premiums. However, others might prefer specialized expat health insurance providers for their international coverage, comprehensive benefits, and the convenience of having a single insurer that covers them globally.

Considerations When Choosing Health Insurance Overseas

When deciding on health insurance while living overseas, it is crucial to consider factors such as the extent of coverage, the reputation of the insurer, and the claim process. One important aspect to consider is whether the insurer offers direct billing, where the insurance company pays the hospital directly, or if the policyholder must pay out-of-pocket and later submit claims for reimbursement. Additionally, it is essential to review the policy's coverage for any exclusions, waiting periods, and limits on benefits.

Expats talk about Health Insurance in Sri Lanka

"We have had no experiences with regard to the use of our health insurance as either the cost was too low to even bother with it or it was pre-existing and was not going to be covered so was out of pocket. Yes, we have Cigna Global Health Insurance as to be a foreign resident in Sri Lanka it is required to have health insurance coverage. It has been vague if the insurance will cover Nawaloka, Negombo Branch but their map showing most hospitals for us to go to are in Colombo (27 miles distance). I can't get an answer from Nawaloka Hospital, Negombo Branch either if they would accept Cigna here locally. I did pick Cigna Global as most of the other insurance outfits seemed kind of dicey and it was the best of the lot. ," commented one expat living in Negombo, Sri Lanka.

"Healthcare is free for everyone. Every city and town has a state run hospital/s which has super qualified doctors and treatments and medicine for free of charge. But sometimes line are long. You also have the option to go for a private hospital or clinic which is paid. Insurance usually covers all general treatments and can be claimed. Insurance providers are many in Sri Lanka - with Ceylinco Life, AIA and Janashakti been just a few. Each has different tiers of insurance depending on your budget. You can go as low as you want or as high. ," mentioned one expat living in Sri Lanka.