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Mexican Health Insurance

Mexican Health Insurance

Health Insurance for Expats in Mexico


When it comes to being insured out of your home country, it can be very difficult to find a medical insurance 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 health insurance companies in Mexico, 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.)


  Health Insurance Bussiness Partner
Vumi
Health Insurance Bussiness Partner
Sum Insured (annual)2 million or 5 million USD option1.5 million, 4 million or 7 million USD option (lifetime insured amount)2 million, 3 million or 5 million USD option
Waiting periods2 years for AIDS, 60 days for any other illness and 10 months for maternity. Lowest waiting period in Mexico30 Days2 years for AIDS, 60 days for any other illness and 10 months for maternity. Lowest waiting period in Mexico
Maternity10 months10 months Depends on the plan10 months
Cancer Waiting PeriodAfter 60 days30 Days (case by case)After 60 days
Hospital NetworkFree 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 paymentIncluded worldwideIncluded in Mexico. Requires authorization for other countriesIncluded worldwide
Worlwide coverageIncluded in your policy for regular and emergency coverageIncluded 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/copayZero coinsurance worldwideZero coinsurance worldwide (excludes the U.S.)Zero coinsurance worldwide
DeductibleFrom $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 yearFrom $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 serviceMultilingualBilingualMultilingual
Amateur or professional sportsAmateurAmateurBoth
Acceptance age limit757474