I am not sure if it's asked before and I could not find it in the threads in the forum, I wonder what private health insurance options out there for expats living in Mexico (full time or part time resident). I know you can always pay cash when you go to see doctors. I'd like to hear expats comments, suggestions, feedback with first hand experience on this. Thank you.
If you are young enough, say below 60-65 depending on the company, you may be able to buy private hospitalization coverage. Generally, it will not cover routine doctor visits or medications that are not the result of a covered incident. Those, you pay out of pocket & they are quite affordable. However, some pre-existing conditions may be excluded from coverage. As you age, the premiums will increase significantly each year, sometimes becoming impossible for elderly expats on a limited budget, forcing them to the public triage system, Seguro Popular, which is usually free for those without other insurance. Quality of medical care is excellent in the private system, especially in the Guadalajara area, but is quite variable, but improving, in the public system. Private insurance carriers often have offices in, or near, major private hospitals in the larger cities. They, and their agents, can be found online, as well.
We are currently visiting Queretaro. We talked to a few insurance agents (AXA, Mapfre, and New York Life) for a private health insurance. The quotes from the agents are anywhere between 30,000 and 36,000 pesos a year ($1,560 USD and $1,872 USD). The cost depends on ages and # of people in the family. We are in the 40's and have no kids.
If you know where you are going to settle, check out the best hospitals in that area. Note what companies have offices IN the hospital. (This is typical because the hospital is paid before the patient can leave the hospital.) I posted a long explanation about how insurance coverage works in Mexico previously. It's different than US systems. Example: Once you meet the deductible for a given diagnosis (currently 15,000 pesos -- about $750USD) you are fully covered for that diagnosis year after year.) To be reimbursed for anything, you MUST always get a Factura (official receipt with a stamp from Hacienda -- Mexico's IRS) for any expense. We've been with MetLife and have been satisfied with the coverage.
I've just sent you a verrrrry long compilation of posts I've written on the subject of health insurance in Mexico for the past 3 years. (To find these posts, I searched this forum for a term which I knew was in each of my posts: the name of my insurance company.) If anyone else wants this information-dense message, send me a PM. I have the info copied now, and I'll send it to you. (Too much to post again here, I think.)
Visit the hospital(s) that you plan to use in the event of a catastrophic emergency and see which plans they accept. ask them and the insurance company what coverage would be in the event of a heart attack or stroke and/or how much treatment typically would run via a cash payment, even. get something in writing from all of them. don't trust someone verbally quoting something. be careful and extremely cautious, indeed.