Costa Rica Expat Forum

INS

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5/4/2015 10:03 EST

I will be in Costa Rica for six months each year. I prefer not to establish Pensionado status or CAJA health insurance, but INS instead. Websites are vague about INS. Can anyone tell me if their experiences with INS and the approx. costs for a single man of 68? Thanks

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Kohl

5/4/2015 10:17 EST

You should contact an INS agent, as they recently it was announced that they would no longer offer a policy to a non-resident...but then I heard that this is not the case. So to be sure, email them for more information. You may have to go through another International company.

http://www.garrettbrokers.com/

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carolvaughn

5/4/2015 15:03 EST

Another option is to join ARCR,
Which gets you a discount (for
me it's about $1200 less a year) for health insurance, as well as other
helpful discounts and info.
www.arcr.net
for rates or
for all
insurance rates.
Check with them for exact rates.

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Kohl

5/4/2015 15:18 EST

Whatever insurance company you decide to use, ask about any pre-existing conditions that you have.

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shermanwc

5/8/2015 08:29 EST

Last year I was given the following approximate rates at age 62, male, for INS health insurance:
$2550/yr Regional Medical Coverage, $200,000 max.
$2085/yr International insurance with $2 million max and $5000 deductible.
$3500/yr International Insurance with $2 million max and no deductible, with co-pays.

Pre-existing conditions are not covered or have limits.

Two years ago I was told that ARCR provides a 32% discount on the INS insurance rate for the Regional Insurance Plan only.

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