Original Medicare
Original Medicare generally doesn't cover health care you receive outside the United States, including in Mexico. There are narrow exceptions, mostly near the border.
Health insurance
Health insurance in Mexico, without surprises
Private hospitals in Mexico are excellent, and they expect payment. I'll help you choose a major medical plan with a deductible and coinsurance you can live with.
Medicare and Mexico
What Medicare does, and doesn't, do here
Medigap travel benefit
Many Medigap plans include a foreign travel emergency benefit, typically for the first 60 days of a trip and with a lifetime limit. It's meant for trips, not for living here.
A Mexican major medical plan
Covers hospitalization, surgery and serious illness at private hospitals in Mexico. Some plans add coverage abroad.
How it works
How much would you pay for a hospital stay?
Your plan doesn't pay from the first peso. You first cover the deductible, a fixed amount, and then a percentage of the rest, the coinsurance, commonly 10% or 20%.
Many plans cap the coinsurance you pay per event. Waiting periods apply to some conditions, and pre-existing conditions are usually excluded, so it pays to buy before you need it.
- Higher deductible: lower premium
- Coinsurance cap: your cost has a limit
- Maximum entry ages vary by insurer
Example (Condusef figures, MXN)
Treatment cost$100,000
Deductible (you pay)$10,000
10% coinsurance on $90,000 (you pay)$9,000
You pay in total$19,000
The insurer pays$81,000
Illustrative example. Every plan has its own amounts and conditions.
Insurers
I compare plans from several insurers
Each insurer has different strengths in hospital networks, coverage abroad and price.
GNP
AXA
MAPFRE
Bupa
MetLife
and more
Free quote
What I need to quote you
- Who you'd like to insure
- Age and sex of each person
- Your postal code in Mexico
- Your residency status
- Your current policy, if you have one
Send my details on WhatsApp
Health questions come later, separately and with your consent
FAQ
Health insurance questions
Is there an age limit to buy a policy?
Each insurer sets maximum entry ages, and premiums rise with age. If you're considering a policy, it's better to apply sooner rather than later.
Are pre-existing conditions covered?
Usually not. It's essential to declare them when applying: leaving them out can lead an insurer to deny a claim.
Can I use the policy in the US or Canada?
Some plans include emergency coverage abroad or international options. We'll compare them if you travel often.
Do I need residency?
Requirements vary by insurer. Some ask for residency or a Mexican address. I'll find the options that fit your situation.
Will you help me with a claim?
Yes. I'll tell you which documents to gather, help with the paperwork in Spanish and follow up with the insurer.
Other coverage you may need
More than insurance: a complete strategy to protect your life in Mexico and everything you've built.