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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|
Pan American Mexico, with its corporate offices in Mexico City, is one of the premier health insurance companies in Mexico and around the world, and is a branch of Pan American Life Insurance Group, Inc., a company based in Miami, Florida, and founded in 1911 with a remarkable financial strength. As an elite company, they compete head to head with the best around the globe, guaranteeing a satisfaction of the highest quality, and access to the best hospitals and doctors throughout the world, including full coverage in the U.S., Canada, and Europe.
Their reputation and commitment earned them the label of a ¨AAA¨ company with a stable outlook by Fitch Ratings. And the fact that their policies are issued in pesos makes them a very competitive company at much lower costs than others sold in the U.S. or Europe.
Reasons like those ones and our business relationship with Pan American, made us believe this is the right company to suit your needs in every way: coverage, premiums, and the elite company you look for.
WEA is a sub-company of PA Group, a company dedicated to expatriates around the world and based in Coral Gables, Florida.
WEA works with international network providers around the world, and it offers good coverages at reasonable costs. Its policies are underwritten by a coverholder of Lloyd's, a leader in the insurance and reinsurance market around the world.
If what you need is a policy to cover you in your country of residence, WEA's programs are a perfect fit, considering that they have 5 deductible options from $250 and up to $5,000 USD to suit the different needs of each expat.
Bupa is a world-class health insurance company, and has been in the market for many decades, making a name for itself as one of the most recognized brands around the world, not just in the insurance industry, but also as a strong and distinctive brand that inspires reliance and matches the class of lifestyle you live.
Bupa holds one of the largest networks of healthcare everywhere, with more than 800,000 medical providers, giving you the opportunity to choose where and how you want to be treated or receive medical assistance, in one country or another.
Bupa has been in the market for more than 65 years, and is undoubtedly a peace of mind when it comes to ensuring your health -and financial security-. Their corporate offices are located in Miami, Florida, but also have offices in Mexico City to work closely with their clients in this beautiful country.