Here are a couple of the new BUPA Latin America (issued directly from Miami) plans that I like. I have BUPA Secure with a $5,000/yr. deductible.
Secure Care offers members up to USD2 million of coverage a year through the Bupa Secure Hospital Network. Designed as a comprehensive plan, it provides coverage from out-patient diagnosis through in-patient surgery, including coverage for cancer and emergency evacuation, if needed. For additional peace of mind, customers can select optional benefits for complications of maternity and transplant procedures.
Essential Care is designed to offer an excellent value plan
that covers essential health care needs. Using our Essential Hospital Network in Latin America, the Caribbean and the
USA, Essential Care covers out-patient diagnostics, the cost
of in-patient surgery, cancer treatment and coverage for any out-patient physiotherapy that you may need after a hospital stay. In addition, the plan provides coverage for emergency repatriation and additional coverage options for complications of maternity and transplants.
Panama has very reasonable Homeowners protection to cover the contents of your residence for Fire, Theft, Liability. We insure the building and the contents under separate policies.
We recommend that you insure a portion of the contents under a homeowner´s multirisk policy. This policy will include coverage for fire, theft, explosion, earthquake, hurricane/windstorm, flood, smoke and water damages. It will also cover your electronic equipment ( % of the basic sum insured); theft ( % of the basic sum insured); assault (up to $250.00 cash); breakage of windows; general liability up to $100,000.00 and ambulance service. Liability is also a provided for damage sustained by your neighbors from a fire or water leak originating in your residence.
Here in Ducruet, we have designed a special program to cover your property and extend certain coverage to your TENANTS.
First of all, we recommend that you insure YOUR contents under a homeowner´s multirisk policy. This policy will include coverage for fire, theft, explosion, earthquake, hurricane/windstorm, flood, smoke and water damages. It will also cover your electronic equipment ( % of the basic sum insured); theft ( % of the basic sum insured); break in with forced entry and assault (up to $250.00 cash) inside or outside the premises.
Within this basic policy, there is General Liability Coverage up to $100,000.00. This protection also extends to damage sustained by your neighbors from an incident originating in your residence.
If you are renting to third parties, we recommend that you request a "special endorsement" extending the Personal Liability coverage to these inquilinos(renters):
This special endorsement will extend coverage to the damages caused to third parties as a result of the renter’s negligence for which they are legally liable.
A very serious Explosion and Fire occurred yesterday behind the Marriot Hotel in the Bella Vista Banking District. Several apartments were damaged and many autos parked on the street were totally destroyed.
Here is a link to the video from several perspectives:
The following information from a post in AIP by Mary Roush may help new arrivals through the process of obtaining a Panama Drivers license.
• -Resident Card
• -Driver's License from Country of Origin
• -Blood Test (Your blood type is indicated on the license, which is pretty cool if you don't know what it is! I'm O+!)
• -Glucose Test (To show that your blood sugar levels are not outside the standard range)
Procedure (I think it is virtually impossible to do this in one day, but if you start at 7 a.m., you may make it):
• 1. Consult with lawyer to obtain residency card…That's a whole other article!
• 2. To obtain your blood and glucose test, go to a medical center while fasting (en ayunas) and mention that the tests are for your "licencia de conducir." The results are ready in an hour or so and costs approximately $15.
"The Insurance Institute for Highway Safety conducted a unique crash test to demonstrate the advances in motor vehicle safety over the last 50 years. In this test, a 2009 Chevrolet Malibu and a 1959 Chevrolet Bel Air are both going 40 mph and the vehicles collide offset, driver side to driver side. This is the same crash configuration represented by the Institute's 40 mph frontal offset barrier test, which is used to rate the frontal crash performance of new cars."
As you probably know, in Panama all cars must have insurance in order to get the vehicle inspected, registered, and to obtain license plates. I bet the people in this video are happy they have insurance. At least in Panama we don't have to worry about snow and ice.