Moving to Panama sounds like a dream—sun-kissed beaches, lively markets, and the irresistible rhythm of salsa echoing through the streets
However, between sipping fresh coconut water and exploring the old quarters of Casco Viejo, there’s one detail that deserves your attention: health insurance. Yes, we know. It’s not exactly the most glamorous topic, but trust us—it’s essential. And in Panama, it’s also surprisingly approachable.
Why Think About Health Insurance in Panama?
First off, Panama’s healthcare system is a tale of two worlds. There’s the public system, which is highly affordable but can mean longer wait times and fewer frills. Then there’s the private system—think modern hospitals, English-speaking doctors, and efficient care at a fraction of U.S. prices. But here’s the kicker: without insurance, those costs add up fast. A simple check-up? Manageable. An unexpected surgery? Not so much.
So, What Are Your Options?
If you’re planning to stay in Panama for a while—or even just spend the winter avoiding snow—here’s the lay of the land:
Local Insurance Plans:
Affordable, tailored to Panama, and widely accepted. These plans often cap coverage at certain amounts (think $300,000 per year), and pre-existing conditions can be a bit of a sticking point. But for many, it’s a solid, budget-friendly choice.
International Health Insurance:
Are you a globetrotter? These plans follow you across borders and typically offer higher coverage limits, including evacuation coverage if you ever need to be flown out. They’re pricier but provide peace of mind for frequent travelers or expats who split time between countries.
Pay-As-You-Go:
Some expats, particularly the young and healthy, choose to skip insurance altogether and pay out of pocket. While Panama’s healthcare is reasonably priced, this strategy is risky. Emergencies don’t RSVP.
A Few Insider Tips:
Hospital preferences matter. If you want the top private hospitals in Panama City—like Hospital Punta Pacífica—you’ll want a plan that specifically includes them.
Age matters, too. The older you are when you sign up, the higher your premiums. Some local insurers have age cutoffs.
Bilingual doctors? Yes! In private clinics and hospitals, many doctors are trained in the U.S. or Europe and speak excellent English.
The Bottom Line
In Panama, securing health insurance isn’t just about protecting your bank account. It’s about peace of mind—knowing that whether you get food poisoning from a street vendor or take a tumble hiking Volcán Barú, you are covered.
So, before you get too lost in the magic of this tropical paradise, take a moment to plan. Health insurance might not be the most exciting part of your new life abroad, but it’s one of the smartest.
And once it’s sorted? You can get back to the coconuts and salsa.
WhatsApp or call Kevin at +507-6674-1063
WhatsApp or call Carmen at +507-6613-1063, Direct 322-1605
Email: panasurance@gmail.com