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When it comes to being insured out of your home country, it can be very difficult to find a program that suits all your needs: Direct payment to hospitals and doctors, English speaking assistance 24/7, affordable costs and a program with a system similar to other health insurance companies in your home country are all important concerns for mot expats in Mexico.
Novamar understands the struggle you can have when choosing the right option for your individual needs and budget. When talking about insurance programs specifically for expats in Mexico, Novamar leads the way with English speaking staff located in Mexico, not thousands of miles away in the U.S. or Canada. Novamar’s local service is where you need it – locally, in Mexico.
Our Health Insurance programs in Mexico have been specifically designed to suit the needs of our clients providing the peace of mind that every program we have can be quoted, sold and handled in English.
From basic to elite companies, our Health Insurance plans differ from the rest of the market for many reasons. Some of them are here:
|Sum Insured (annual)||2 million or 5 million USD option||3 or 5 million USD option (lifetime insured amount)||2 million, 3 million or 5 million USD option|
|Waiting periods||2 years for AIDS, 60 days for any other illness and 10 months for maternity. Lowest waiting period in Mexico||From 12 months (maternity) up to 2 years depending on the type of illness||2 years for AIDS, 60 days for any other illness and 10 months for maternity. Lowest waiting period in Mexico|
|Maternity||10 months||N/A||10 months|
|Cancer Waiting Period||After 60 days||From 6 months to 2 years (case by case)||After 60 days|
|Hospital Network||Free choice of hospitals in Mexico and around the world, including the U.S., Canada & Europe.||Free choice of hospitals in Mexico and around the world (excludes the U.S.)||Free choice of hospitals in Mexico and around the world, including the U.S., Canada & Europe.|
|Direct payment||Included worldwide||Included in Mexico. Requires authorization for other countries||Included worldwide|
|Worlwide coverage||Included in your policy for regular and emergency coverage||Included in your policy for regular and emergency coverage (excludes the U.S. and your native home country)||Included in your policy for regular and emergency coverage|
|Coinsurance/copay||Zero coinsurance worldwide||Zero coinsurance worldwide (excludes the U.S.)||Zero coinsurance worldwide|
|Deductible||From $1,000 to $20,000 USD with maximum of 1 deductible per year.||From $250 to $5,000 USD with a maximum of 1 deductible per insured per year||From $1,000 up to $5,000 USD with a maximum of 1 deductible per insured per year.|
1) After 3 consecutive years of no claims, Pan American will automatically reduce your deductible by 50% for your next claim if your deductible is $5,000 USD or less.
2) Zero deductible for accidents regardless the amount of deductible contracted.
3) Maximum of two deductibles per policy after two or more people insured.
|1) Maximum of three deductibles per policy after three or more people insured||1) Zero deductible for accidents regardless the amount of deductible contracted.|
|Call center service||Multilingual||Multilingual||Multilingual|
|Amateur or professional sports||Amateur||Amateur||Both|
|Acceptance age limit||75||74||74|