Mexican Health Insurance

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 most 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:

• 24/7 assistance in your own language
• Worldwide coverage, including full coverage in the U.S., Canada and Europe
• Deductibles from $250 - $10,000 USD
• The lowest waiting periods in Mexico
• Only one deductible per insured per year. Most health insurance companies in Mexico have a deductible per illness or accident regardless the number of times of use your policy in a year.
• Wellness benefits
• Zero coinsurance/co-pay in your policy
• Renewal for life
• Direct payment to hospitals and doctors
• Pre-existing conditions options
• Coverage for amateur and professional sports (hunting, climbing, football, bungee, etc.)

		Vumi
Sum Insured (annual)	2 million or 5 million USD option	1.5 million, 4 million or 7 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	30 Days	2 years for AIDS, 60 days for any other illness and 10 months for maternity. Lowest waiting period in Mexico
Maternity	10 months	10 months Depends on the plan	10 months
Cancer Waiting Period	After 60 days	30 Days (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 (as long as it is not your native 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.
Additional benefits	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) Zero deductible for a first serious accident (at least 23 hour hospital stay).	1) Zero deductible for accidents regardless the amount of deductible contracted.
Call center service	Multilingual	Bilingual	Multilingual
Amateur or professional sports	Amateur	Amateur	Both
Acceptance age limit	75	74	74