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Survey about Healthcare in Paraguay

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adminee
5/21/2014 13:07 EST

We've put together a brief survey about expat healthcare. The goal is to collect information from you about the quality and availability of medical services, health insurance, prescription medicines and emergency care in your region of Paraguay. We'll be soon publishing the responses to help others who are following in your footsteps. Please take several minutes to answer the survey. The more detailed you can be in your responses, the better. Thank you, in advance, for sharing and helping others moving to your area!

http://www.expatexchange.com/eetr/addtiptopic/7

juan27
6/21/2014 16:39 EST

Four days since my operation. On top of what I wrote yesterday regarding Assismed and their invoice to me as insured. To-day I went to visit my hairdresser and mentioned to him that I had just been under surgery for hernia. He replied that he had the same surgery last year, here in Piribebuy at the local private hospital. He told me that he had to pay 2.500.000 Guaranies for his surgery....without being insured, from his pockets! So I paid 2.200.000 + my insurance police of 12.000.000 making 14.200.000 in total for 2013. Not bad for Assismed. Too bad for me. In this case it would have been much better not to be insured!! :)

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juan27
6/20/2014 08:00 EST

Meanwhile I got my operation (two days ago) at the Assismed´s own, modern hospital. OPeration went well (2 hernias) and everything was fine. SEEMED fine until I got my bill. Remember, I had a similar operation in 2012 (an appendicitis AND a hernia) and paid there about 480.000 Guaranies (110 US$). I was expecting to pay about the same sum. Well, that was not the case. This time they charged 4000000 (4 Million) equivalent to 910 US$ !!!
Being not shy, I told them what I mean about this treatment for someone who since 2006 invested about 100.000.000 Guaranies and was only twice in their hospital for minor surgeries. I showed my invoice dated 2012 and threatened to engage a lawyer. It took about 20 minutes to get a discount of 50% on this invoice. We still had to pay 2000.000 (455 USD). A friend, a Paraguayan industrial, knows the CEO of Assismed and will talk to him to get some explanations about their way of making money.
Can you imagine what would happen to us if that would have been a serious, costs intensive, surgery ? Scaring!!
I´ll let you know how the story ends.
Remember: Assismed is supposed to be the best! :)

juan27
6/15/2014 14:28 EST

Dear Aramiss, please check out if the USA accept your contribution as insured once you are outside your country.
Most of European countries, except France, throws you out of their system as soon you are more than 6 months or a year away. Maybe the USA are more generous. Would be better anyway! :)

aramisss
6/15/2014 03:28 EST

Man this is a nice and important post. I find that the best solution that works for me is having Insurance in Paraguay and in the USA. The USA policy is by far the better, no limits. You can get an Obamacare bronze for about $200 or less with the subsidy, and even with my income, which is pretty nice I still was able to qualify for a subsidy. My USA plan costs me about $600 a month for a family of four, but I got the Gold plan, If I opted for a Bronze plan it would about $250. Hope this helps!

juan27
6/14/2014 08:08 EST

I totally agree with majbjb (what a name! :) ). In regard to Assismed, I was lucky this week to speak french with the Echography doctor and later on with the results in hand English with my surgeon. Both extremely polite and very friendly. From my surgeon I got an "order" (pedido) for the laboratory to check my blood, a second order for x-rays and also a request for coverage by Assismed for my bilateral hernias that needs to be fixed on next tuesday noon. The "cover" (cobertura) by Assismed was send to me via eMail two days later. Now comes the surprise: only a part of this surgery is covered by Assismed, pointing out to number "x" in my contract (VIP Plus) that says there only "Vesícula y Apéndice" for "videolaparoscopy" (the operation with three little wholes in your belly). Not for Hernias. So I checked my contract and their offerings in their Webpage. Surprise! There under nr.5.3.9 it says Surgical operations "Derechos operatorios cirugías convencionales, videolaparoscópicas, videoendoscópicas y artroscópicas: Cobertura total en los Sanatorios San Roque y La Costa...." which means that everything done with endoscopy is fully covered!! I wrote back to Assismed pointing that out, and I am waiting for an answer. I would not be too upset if I had not seen astronomical invoices by hospitals, received by friends. They give you an estimation for a few things but for example, in regard to the operation itself they wrote "surgeon is covered" but medicaments, injections and "material" should be paid by the patient. How much?? No one word. They allow me a room for 1 night. That means to me: I leave the operation room at 2pm (estimation by my surgeon) and must leave the hospital before noon, 22 hours later. Only one night? Then 90km road to Piribebuy where I live. Of which 90km there are 1,2km bumpy sand piste. Now, the best comes: I had last year a similar operation (the navel that time) by the same surgeon at the same Hospital. I was there two nights and paid...NOTHING!! I will report to the interested people, on this site, what the final costs were. Despite this I still love this country and I adore the Paraguayans who are really friendly to my family. But, I repeat, you need at least a good income to enjoy Paraguay as we do.

GeoBlue International Health Insurance

For more than 20 years, GeoBlue has helped the globally mobile navigate the complexities of international health insurance, providing members with confidence and peace of mind. Wherever your destination, GeoBlue can keep you and your family covered with the right health insurance. Click here to speak with GeoBlue's Sales Team.

majbjb
6/13/2014 22:34 EST

This thread sure has gotten a bit away from it's original subject. But MY two cents regarding health care mirror's Caja's. We have Assimed, and it is expensive,, (nearly $300 for a family "VIP" plan) but no where near as expensive as our family plan in the US was. But here's some free advice, you need to actually read and understand the contract before signing up and handing over money. And .."duh I don't know Spanish enough.." isn't an excuse. I mean, what in the heck are you doing here signing up for stuff like health insurance if you can't read or understand the language??!! Of course it's perfectly fine to get someone to translate for you, but still, it's on you to arrange. And sure there are exclusions and you better be sure you understand them.

One thing I like about Assimed is that one of the doctors I could choose from has his medical degree from the US and speaks excellent English and is board certified Internist in the US. It's easy to make appointments and see him and specialists so far. And frankly I feel in better hands with Assimed than with my insurance in the US. Can this change? Sure can! This is the third world and you can't forget that.

Now, since everyone else seems to want to rant, rave and bash away on this thread…allow me. It never ceases to amaze me the number of people from "first world countries" that are unhappy enough to immigrate to a "third world country" and then are shocked and upset that things aren't as organized, efficient and civilized as they are used to. And "gasp" they are also seemingly shocked and upset that they have actual "CORRUPTION" in the third world. I mean, what were you freakin' expecting people??!! You want sandy beaches and a wonderful easy life, go win the lottery and live in Hawaii or on the French Riveria! I've read stats that over half of the people who immigrate from the US/Canada and Europe to Latin America leave to go home in the first year. And I believe it. Guess that's what you get for being unrealistic and unprepared for the challenges of living in the third world.

I'll also second Juan's often expressed refrain about the low class sub group of expats out there who prey on new expats or wanna be expats and fleece them of lots of money by promising them unrealistic things in regards residency, naturalizations, passports, etc… This is getting to be more of a problem as Paraguay is becoming more popular for people to check out and/or come to as expats. Look at countries that are more established as expat destinations in Latin America like Panama, Costa Rica, Equador and Argentina and you can see this kind of thing in a much larger scale. I personally have experience with these type of "sharks" in Costa Rica as well as here in Paraguay. It all gets down to a personal responsibility. The old saying a "fool and their money are soon parted" apply's here in spades. There, now let the bashers bash away LOL ! I'm going to drink some more mate and watch some World Cup coverage in my little corner of paradise, Ciao!

anibalventura
6/6/2014 10:24 EST

hurrey

caja
6/6/2014 07:19 EST

I am not complaining. My God...all I say is keep comments in context of healthcare as was mentioned in the opening statement by the administrator.

Your mood is easily dectible. Of course persons who have no apparent disciplinary training resent when they are cautioned about remaining within guidelines.

Don't get so testy or bent out of shape..I don't live in a dream world any more than this country is a dream come true. In life, those who survive and can find happiness must adapt. Some unhappy people will remain unhappy no matter where they are. There are no utopias.

caja
6/6/2014 07:05 EST

I do not expect diffrring opinions;that is unreal. Order and adherence to the "topic of discussuon"as designated by the initiator.

This is nothing about free speech or the lack of it. Simply put stick to the topic. That should clarify your questions.

Furthermore,I will not apologize for pointing out that the general feel, mood or flow of this has drifted far from concern of healthcare.

juan27
6/5/2014 17:18 EST

Dear "Caja"
I am living here since January 2007.
I know what Paraguay is. Either you are one of these "helpers" looking for "work" or you never were in this country.
Certainly you will tell us that the sun is shining 12/12months and living here wil costs you no more than 500 USD/Month.
What "Lonewolf" is telling is the truth as is the truth what I am writing since a couple of years on this forum. I STILL ACCEPT THIS COUNTRY, AND I FEEL WELL. BUT I AM A LITTLE BIT UPSET WHEN I READ SUCH A CRAP FROM PEOPLE TRYING TO ATTRACT OTHERS. THIS IS UNFAIR. DISGUSTING.

Lonewolfnl2002
6/5/2014 13:01 EST

Personaly I don´t understand what you are complaining about caja?? You got first hand stories from people that ACTUALY live in PY! If that doesn´t match up to your dream idea of Paraguay I can´t help it. It is just like it is. I am NO basher...i just simp`ly told you how it is. I am sorry if there is no more positive things to say from paraguay. If you want better health care,better infrastructure and less corruption maybe you should go to Uruguay or to Chile...
regards.

anibalventura
6/5/2014 10:03 EST

ok caja, maybe not the best direction this topic had follow, but still , as Voltaire once said

"I do not agree with what you have to say, but I'll defend to the death your right to say it."

No more freedom of speach or just a request for proper moderation and stick to topic request ?

Enjoy ph

caja
6/5/2014 09:19 EST

After bring away from this for a brief period, it seems the conversation regarding healthcare has become a platform for the naysayers and those who either hate Paraguay or offer no positive comment. Bashers in another word.

Enough already, please stick to the topic of the administrator or start your own toxic comment section. This is not beneficial at all and frankly discouraging any effort at an intelligent conversation.

anibalventura
5/31/2014 22:45 EST

ah ok.
Right, Argentina is another country, another set of regulations as the entrey of USD etc..
We where talking about py :P

juan27
5/31/2014 22:43 EST

I must insist on that point. I was talking about problems if one dies. If both are alive, of course you will sell anytime. Will take about two months to have everything cleared if your escribana works diligently. They do not care if you are foreigner or not. There are presently no restrictions for buying or selling. A bit more difficult is to move your money outside: you have to tell them from where you got the money.

juan27
5/31/2014 22:36 EST

To sell registered things like your house or your car or other registered items (registered on your arrival for example) you have to go to an escribana. She must check the central cadaster and there she will see that your house was registered under both names (your wife and yourself). That means that BOTH must underwrite the selling document. To do so, both must show their cedula or passport. For a car or other items that are taxable, the same procedure: escribana - - > checking who is the owner (there too, if you are married, both are owner and BOTH must sign in front of the escribana in order to sell). The same is with money at your bank. To avoid that problem at the bank try to register (and insist!) under y/o your name y/o the name of your spouse. That means the account is owned by yourself and/or your spouse. In case of death there is than no problem for the survivor. Someone told me recently that he managed to register his house under y/o . I cannot guarantee if that is really true, but if your escribana accepts it, it should work too. You have to be very careful and check what you have to sign and also if the y/o has been typed in these documents.

Lonewolfnl2002
5/31/2014 20:53 EST

yes I have the cedula....Thing is you still need to go through the immigration red tape if you want to settle in Argentina or Brasil. If you have a PY wife (in my case) it speeds things up...but still you need some papers to fill out and pay some $$$. But why o why I wanted to go to AR or to Brasil?? Brasil is way to expensive....and I don´t like the language. Also treatment for autistic kids is NOT that good....so for us it was a NO BRAINER to move to Spain.

Lonewolfnl2002
5/31/2014 20:53 EST

yes I have the cedula....Thing is you still need to go through the immigration red tape if you want to settle in Argentina or Brasil. If you have a PY wife (in my case) it speeds things up...but still you need some papers to fill out and pay some $$$. But why o why I wanted to go to AR or to Brasil?? Brasil is way to expensive....and I don´t like the language. Also treatment for autistic kids is NOT that good....so for us it was a NO BRAINER to move to Spain.

Lonewolfnl2002
5/31/2014 20:49 EST

The spanish who will come to PY to "work" will get a nasty surprise!!! Don´t even think any PY boss will hire them, unless they realy have very special qualities to offer. Imho Mexico,Brazil or Panama are more suited destinations for spanish that are looking for work. But PY...?? hell no.

Lonewolfnl2002
5/31/2014 20:44 EST

Yes I was asking the same question! What Juan said about permission is applicable on ARGENTINA!! There you need permission IF you are a forreigner to buy real estate...but I think it´s only if you want to buy large portions of LAND nearby the border. What is a pain in the neck is that indeed you must wait 2 years before you can get out your OWN money from Argentina..!!On that yes...they are very strict. Money checks at the PY/Argentine border are very well known....sometimes I even saw the argentinians had special money sniffer dogs..! (no joke)
It realy is a semi-communistic country..the last few years under the Kirchners. Sad but true. But Paraguay?? NO...i never had to ask any permission to sell or buy anything....houses...cars...you can buy or sell whatever or whenever you feel like it.

anibalventura
5/31/2014 20:07 EST

@ juan

"you will need about two years before getting the permission to sell"

permission from who ?

anibalventura
5/31/2014 19:41 EST

@ Lonewolfnl2002 ,


i assume you have the "cédula".
Under mercosur treats, you are not able to move and live in Argentina, or Brazil ?

You have pint pointed many aspects i was totaly unaware of, and let me tell you, lots of spanish running from the european crisis , turned into economics refugee look at PY as an "eldorado" desiring to prosperate.

countr is far from beeing a "cheap" destination, you can eat much better and with higher quality in Portugal.

Sure not all might agree, but for prospective expats there is many important points here that one cant ignore.

Lonewolfnl2002
5/31/2014 10:18 EST

True that PY grows rapidly..but it also has a high inflation (6-8% on a year basis for 2013).
Also it is that the average people do not much take a profit from the growth....as in many developping countries. Only a few large companies and some very rich people take a profit from the growth. Mind you PY is a VERY corrupt country and actualy NOT a democrcy but more an oligarchy..but thats another thing.For most people PY still is a third world country and along it with social problems etc...etc...etc..

What attracted ME to PY?? Well first off my wife. (back then my GF).
Secondly it is so that one can put money in a cooperativa and get a good intrest. And without paying taxes!! Needless to say that this is NOT at present in teh US or Europe.

Thirdly...PY was (and still is) a country were you can get fairly easy a long term visa. If you fe want to do that in Brasil or Peru it will take much more money and way more red tape to cope with.

juan27
5/31/2014 09:39 EST

Best, coming to PY is to try to rent a decent house (not easy, unless in Asuncion). If you intend to build a large dream house, you must be aware that (here too ASU is an exception) you will not recoup your invested money. In case of death, if the life-partner wants to go back in his/her homeland, you must also be aware that, even you find a buyer at any price -low or high- you will need about two years before getting the permission to sell. This counts for all registered things like a car or a bike. No way. People being corrupt, you might be lucky to reduce it to one year! Will cost you a lot of money. If, on the other hand, you leave your property alone for more than three or four months, you will get "visitors" starting to dismantle it! To avoid that, and if you have a 100% trust in your heirs, best is to give them that property in life time. In case one dies, they than can sell immediately if that is wanted (same for car and other registered things). Otherwise the paraguayan state will try to find out about heirs in your country of origin. If there is a direct heir, he gets 50% of your possessions. Immediately, unless he refuses it (all via Embassy in your country). There is a lot of fun in this country. If you are living (also without being married) with a parayan woman, she gets the same rights as being married and you loose 50% of your possessions (separation with or without death!).
Still believe you are in paradise??

anibalventura
5/30/2014 23:30 EST

"lucky" is not the word i would use to describe that real estate flip !

anibalventura
5/30/2014 23:29 EST

@ Lonewolfnl2002 ,

before the dissapointment, back in 09, what was the main reason atraction to move there ?

Just curious.
Many people specially spanish all brags about the double digit grow of the py economy.

Lonewolfnl2002
5/30/2014 22:08 EST

Sir...my house was build in 2009...had a real value of 350 million Gs (about 78.000 usd)..after 3 years I had to sell for less then 40 grand..! The real estate market is very difficult in PY. I know people that are still waiting to sell their house...after 6 years. I was lucky I could sell after 3 years. With a loss....that is:-( But thats another chapter.
Fopr a gringo nearly everything is difficult here...except dying in the street in an accicent. regards.

anibalventura
5/30/2014 21:19 EST

Lonewolfnl2002 is 100 % True .

Country has some extensive coverage online due to his "atrative" access to citizenship program, and for those americans eager to have a second passport.

like 5 europeans i have nwtwork with on another platform - expat-blog.com - have returned whitin less that 2 years, 2 are waiting to liquidate real estate to return.

Unsuccessfully expatriation project dont often have echo, so hurra for Lonewolfnl2002 .

Lonewolfnl2002
5/30/2014 09:58 EST

First I would like to say that you can NOT find out everything via the internet!! And for sure not regarding countries like Paraguay. I can say that many companies don´t even respond if you send them an email...how´s that? Most normal people don´t even have internet in their houses because it´s too expensive (and slow)..NO sir...you have to go there in person and ask! At least that is my experience. Also as a western European one doesn´t understand this system of total corruption which is present in paraguay....this needs time to understand and cope with it...but accepting...NEVER! In these things paraguyans are very indefferent. They accept the system just as it is....I do NOT. That too is a reason why I am leaving this country forgood.

Another thing is that most people which have negative experiences don´t bragg about this in internet forums....most sites about emigration to Paraguay will describe it as a paradise one earth!!!! Far from it...it is actualy. Paraguay has more and more become a country for crooks to hide out......or for drugslords to wash their black money into white.

I could go on and on about this...but that doesn´t m,ake sense...it´s just not worth it. Also many forreigners also live ONLY in Asuncion area...and they do NOT know how Paraguay realy is!!!

Last thing I will say is....that many paraguyans don´t have the oppertunity to leave the country in search for better medical treatment. I do....so I am using it.

Take Lugo fe (the former president)....when he got seriously ill with cancer...were did he go???To a PY hospital?? NO sir...he went to Brasil!!!! And who can blaim him for that?

Also normal people if they have relatives or friends in Argentina (Buenos Aires in particular) they leave PY and go there for treatment. But not everybody can do this...as you understand.

The one realy important thing that PY misses is Quality of Life!!!! And that you can´t buy, not even with a million dollars!

best regards

juan27
5/30/2014 06:00 EST

Firstly and frankly, we did not know that.
We did not know the extend of corruption and the extend of Europeans betraying other Europeans.
Secondly, what I wrote medically did not concern myself and I am financially, thanks God and thanks my hard working during my life, not concerned. I have been writing about people I have known. Two, presently are concerned and are just waiting to die.
No one writes that on forums. If they do they get sarcastic observations. Certainly not those wanting to sell property or wanting to offer their services. Paraguay is very slowly improving, particularly for those calling themselves "politicians". The poor are poorer as before. Prices are on the constant rise since about 3 or 4 years. With this, I just want to warn others. If you have some fortune, its fine to stay here. If not avoid it! We still feel fine. :)

anibalventura
5/29/2014 23:33 EST

yeap, the day-to-day living of a healthy expat in PY for sure is not the same to an expat that needs medical assistence.
Then again, you did not know that before you moved away from your original country ?

juan27
5/29/2014 16:35 EST

At the end, a correct description of the health situation in this country as it really is. People have been ruined, ripped off of the money they have been saving a whole life, thinking that with a private insurance it would be OK in Paraguay. Here, nothing is OK in this regard. If you think Paraguay is a paradise, you must be blind or have mental problems. There is a paradise here: for crooks!! That includes, alas, a large part of physicians. Alas! And, at least for foreigners, no way to call for justice. Justice is there where the money is. If you have more money than your contrahent, you will win. But not against an hospital or insurance. Like poker. Read paraguayan news papers and enjoy a daily crime! :) . By the way, I am here since more than 7 years. I am Belgian.

Lonewolfnl2002
5/29/2014 14:26 EST

After living in PY for 5 years I think I am entitled to tell some stories about PY health insurance. For starters I thought it was a good idea to get a health insurance with Migones back in 2009....when I came to this country.Paying 240.000 gs a month (thats about US$ 53,- NOW) For US or european standards this might look not much...but mind you this is NOT cheap in Paraguay wereas an average monthly income doesn´t get over 450 US$..that is for MOST people. To make a long story short...I got sick after 2 months with an appendicitis. I went to the Hospital of Migones in Asuncion...I had heavy pains.....but still they kept me waiting for 6 HOURS! After that I got operated, whoch was realy a routine thing and lasted about 30 minutes, problem solved....after 3 days I was allowed to get out...BUT first I had to pay the bill...which was 6.000.000 gs at the time (now about US$ 1340,-). I told them that I had an in surance with them...but still NO SIR you gotta pay!! So I paid.....After that i was so angry that I ended my contract with Migones. After all HOW was I to know when to get an appendicitis?? They tried for MONTHS to collect the monthly fee.....but to my luck I signed the contract when I still didn´t had my PY cedula (thats an PY ID card)...so they could do nothing. To me they are a bunch of CROOKS...!! Migones doesnñ´t have a good rep at all....and there are many cases of negligence and other problems at that particular hospital.

Mind you...in that hospital were i was for 3 days the warm water didn´t function....well as this was end of MAY you have to know that PY can be cold during the night and so is the water:-(
So that was a very lousy service.....Other thing was I wasn´t allowd to eat normal food.....so my wife (back then still my GF) brought me some juice and stuff like that. BUT on the final bill Migones DID put up food costs for 3 days!!!! HA! Nice....

Thing is it is VERY difficult to get a realy good doctor or service in PY. Most of them are trained in private universities and are only there to lurk $$$$ out of your pockets!! Public health care is a true disaster...with long waiting hours....many undertrained medics and short of other staff everywere. Pressure on nurses is very high....etc...etc...etc.. Private healthcare looks better...but that just the outside...underneath it´s also a disaster. The real diffcult cases end up any way in a publich hospital...after the patient runs out of money....or the doctors at the private hospital don´t know what to do anymore!

My current wife is a Registrated Nurse...and she can confirm this. Right now we are about to leave PY and head back to Europe (I am Dutch)....why is this?? Simply because in PY there is NO proper treatment for our autistic son. So called „specialists“ only costs lots of money....and know nothing. Average treatment of 30 minutes a WEEK they call „good“..!! It´s terrible!!

Paraguay definately is NO place to settle down as a gringo if you have serious health issues!
You are NOT the first and NOT the last forreigner which heads back home to get a better treatment! If I had to do it again I definately would NOT sign ANY private healthcare insurance...because they are WORTHLESS imho.

my 2 cents.

regards

juan27
5/29/2014 10:29 EST

Now I start to understand why you are so enthusiastic about Paraguayan insurances.
You are an agent looking here on this forum, to find some clients?? :)
Another little experience this time with a car insurance: very recently a motorbike hit my car. The lady driver fell of her bike. There was only a very small damage to my car, to her bike and she lamented about pain. She was driving, maybe 10m/hr. I called the police and also my insurance. There was no question of who´s fault it was: it was crystal clear. I went with that lady to the hospital. Being myself in the health industry I could talk to the physician in charge after X-raying that lady. There was NOTHING, absolutely nothing. Even not a scratch on her skin. The doctor was smiling, knowing the paragayan game. In short, the lady wanted some money and, best of it, my insurance paid it without informing me. Then the insurance told me that it would be better paying a little, even when NOT faulty, to avoid troubles and time at court. Fine! But doing so, it looks automatically as if I were the culprit. Because of that, on my question about accident-free-discount , they told me, yes that would have an impact on my next invoice!!!!
Just because I threatened to withdraw all my vehicles, house and other insurances that they have with me under contract, they accepted "exceptionally" to leave the car contract as is. That too is Paraguay. And there is no small print on my policies about this way of making business...

caja
5/29/2014 09:43 EST

All and I mean all medical insurance has exclusions. This is characteristic of insurance contracts. The policies written here are really not different from those in other countries. As a person who worked in the insurance industry, I was taught to study the exclusionary clauses and any riders which might be attached to a policy...then you have a more clear picture of what is covered.

Here in Paraguay the waiting period to have a doctor's visit is shorter than many other places...ie. .. USA, UK and Canada. I know because of extended stays in those countries.

juan27
5/28/2014 07:54 EST

...and if you spent more than 4-5 years in PY , returning to your homeland is not always (except France) an option. Most of the time, you have to wait 6 months in a kind of quarantine until your "old" insurance in Europe covers your disease(s). Maybe better to wait 6 months in Europe than being treated by greedy doctors in Paraguay. Not all, but most of them vaguely heard about Hippocrates and the oath bound to his name is considered a joke!

anibalventura
5/27/2014 21:41 EST

thats not a unique problem of paraguay. All insurance have exclusions, typically diseases that translates into costy heath care and long term treatments etc.

While i spend 6 months in py ( which i hated) , meet a french dude that was forced to return to France for health reasons spite he had a private insurance. The old "socialism" solidarity health care system cant be easily beet by private insurance.

juan27
5/27/2014 16:30 EST

THe problem with medical insurance in Paraguay is that you have to read your contract ten times and still they get you if it comes to serious diseases. My wife and I are insured since 8 years with ASSISMED which is, I think one of the bests in PY (also one of the most expensive).
But, if it comes to very serious matters like heart diseases, cancer or other "expensive" treatments, except you have the very top and most expensive contract, you will discover that these diseases are not totally covered and that you have to pay for your medicaments. Cancer is only covered by the non-plus-ultra-contract. Even with the most complete covering there it is limited to 100.000 USD. That seems high, but Assismed decides when you have reached these 100.000!! Not you or someone else. And tariffing is also in their hands. As long you are not involved in real serious diseases or operations, most insurer are acceptable. You have to read the small print very carefully. This applies also for Migone.

caja
5/27/2014 09:38 EST

My wife and I are in the group with Banco Regional using Sanatorio-Migone...and a host of physicians with a wide array of specialities including dental and vision. We receive complete testing far more thorough than in the states twice annually. Our primary physician is probably the most interested and concise doctor I've ever known. Although he is not too fluent in English, he understands fairly well. There are very fluent doctors in the plan with some trained or educated abroad. explains things completely and it's common that he spends over an hour with us on each visit. Our plan is the best offered and is about $10 usd less for both of us than mine alone in the US. That's around $350 or so monthly. They have indicated they offer what amounts to "major medical" coverage to individuals above age 70...of course subject to certain health conditions. We are very satisfied.

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