{"id":17274,"date":"2025-04-01T21:50:39","date_gmt":"2025-04-01T13:50:39","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=17274"},"modified":"2026-01-26T11:25:45","modified_gmt":"2026-01-26T03:25:45","slug":"top-panama-insurance-companies-expats","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/top-panama-insurance-companies-expats.html","title":{"rendered":"Top 10 International Health Insurance Providers in Panama for Expats"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Securing international health insurance in Panama is essential for expats who want access to quality private healthcare and financial protection against unexpected medical costs. The top 10 insurance companies offering expat-friendly plans in Panama are Allianz, AXA, Best Doctors Insurance, Bupa, Cigna, DavidShield, GBG, Blue Cross Blue Shield Global Solutions, IMG, and VUMI. These providers offer a mix of flexible coverage, extensive medical networks, and global benefits tailored to the needs of foreigners living abroad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Choosing the right <a href=\"https:\/\/www.pacificprime.com\/country\/americas\/panama-health-insurance-pacific-prime\/\">international health insurance in Panama<\/a> can feel overwhelming, especially with so many providers offering different levels of coverage. It\u2019s important to ensure that the <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\">health insurance plan<\/a> you select includes the essential benefits expats typically need, such as emergency care, outpatient services, and global support.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This <\/span><a href=\"http:\/\/www.pacificprime.com\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> article has compiled a list of the <a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-top-10-providers.html\">top 10 insurance companies<\/a> in Panama for expats. For each insurance company, we have also provided you with an overview of their benefits and coverage as well as the options for plan selection so you can better make informed decisions.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Overview: Best Insurance Providers for Expats in Panama<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20734 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/rooftop-pool-with-city-views-in-panama-city-panama.webp\" alt=\"Image of Rooftop Pool With City Views In Panama City, Panama with text overlay of &quot;Best Insurance Providers for Expats in Panama&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/rooftop-pool-with-city-views-in-panama-city-panama.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/rooftop-pool-with-city-views-in-panama-city-panama-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/rooftop-pool-with-city-views-in-panama-city-panama-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/rooftop-pool-with-city-views-in-panama-city-panama-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/rooftop-pool-with-city-views-in-panama-city-panama-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The top insurance companies such as Allianz and AXA have a lot to offer in their international health insurance plans\u2013 medical evacuation coverage, prescription drug coverage, telehealth services, emergency medical treatments, and comprehensive core inpatient and outpatient coverage.\u00a0<\/span><\/p>\n<p><b>The top 10 insurance companies in Panama for expats are:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.lat\/insurers\/best-doctor-insurance\/\"><span style=\"font-weight: 400;\">Best Doctors Insurance<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.lat\/insurers\/david-shield-health-insurance\/\"><span style=\"font-weight: 400;\">DavidShield<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.lat\/insurers\/gbg\/\"><span style=\"font-weight: 400;\">GBG<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Allianz: Comprehensive Global Coverage with Digital Services For Expats in Panama<\/span><\/h2>\n<p><a href=\"https:\/\/www.allianzcare.com\/en\/personal-international-health-insurance.html\"><span style=\"font-weight: 400;\">Allianz<\/span><\/a><span style=\"font-weight: 400;\"> is a world-leading health insurance provider with an extensive network of over 1.9 million medical providers. The international health insurance plan has three tiers of coverage, namely <\/span><b>Allianz Care, Care Plus, and Care Pro<\/b><span style=\"font-weight: 400;\">. The plan offers a maximum plan limit of US $5,000,000.<\/span><\/p>\n<p><b>Here are some common examples of benefits and coverage provided by Allianz Care plans:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oncology<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nursing at home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">MyHealth Digital services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Second medical opinion service<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rehabilitation treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency out-patient treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expat assistance program<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel Security services<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">High-tier plans typically offer enhanced coverage and benefits to policyholders. To give you an overview of what you can expect from the premiums you pay, <\/span><b>here is a concise comparison of the international health insurance plans provided by Allianz<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td colspan=\"4\">\n<p style=\"text-align: center;\"><strong>Allianz Care Expat Health Insurance Plans Comparison<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Benefits Coverage<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>Care Plan<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Care Plus Plan<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Care Pro Plan<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Maximum Plan Limit<\/em><\/td>\n<td>US $2,500,000<\/td>\n<td>US $4,000,000<\/td>\n<td>US $5,000,000<\/td>\n<\/tr>\n<tr>\n<td><em>Type of Room<\/em><\/td>\n<td>\n<p style=\"text-align: center;\">Semi-Private<\/p>\n<\/td>\n<td style=\"text-align: center;\">Private<\/td>\n<td>\n<p style=\"text-align: center;\">Private<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Inpatient \/ Day-Care<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Oncology<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Medical Evacuation<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Preventive Surgery<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2717<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2717<\/strong><\/p>\n<\/td>\n<td>US $40,500<\/td>\n<\/tr>\n<tr>\n<td><em>Laser Eye Treatment<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2717<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2717<\/strong><\/p>\n<\/td>\n<td>US $1,350<\/td>\n<\/tr>\n<tr>\n<td><em>Emergency Out-Patient Treatment<\/em><\/td>\n<td>US $338<\/td>\n<td>US $1,015<\/td>\n<td>US $1,015<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"font-weight: 400;\">AXA: Flexible Health Plans with Wide-Ranging Benefits For Expats in Panama<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><span style=\"font-weight: 400;\"> has over 50 years of experience offering insurance solutions to more than 95 million clients in 50 countries which makes AXA a great choice for expats looking for wide coverage and flexibility in their insurance policies.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">AXA\u2019s international insurance plans are the <\/span><b>Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.<\/b><span style=\"font-weight: 400;\"> The annual plan limits range from USD $160,000 to $8,000,000. <\/span><b>The key features of their international health insurance plans are:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Experienced 24\/7 personal support\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evacuation and repatriation coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulance transport<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Telehealth service<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CT, PET, and MRI scans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rapid claims repay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Second medical opinion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancer Treatments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mind Health Support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient hospital charges and surgeries<\/span><\/li>\n<\/ul>\n<p><b>The following list compares the benefits of the five AXA plans to better illustrate the core differences between these plans:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Foundation: <\/b><span style=\"font-weight: 400;\">The objective of the plan is to provide basic insurance coverage for cancer treatments and emergency care. Outpatient treatments such as tests and drugs are optional with top-up insurance. <\/span><b>The annual benefit limit is US $160,000.\u00a0<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Standard: <\/b><span style=\"font-weight: 400;\">The Standard plan is a step up from the Foundation plan, to provide extra dental care (with a waiting period) and a higher<\/span><b> annual benefit limit of US $1,600,000.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comprehensive: <\/b><span style=\"font-weight: 400;\">The plan includes out-patient coverage in its core (up to a limit) and also opens up the coverage for chronic conditions and eye tests. <\/span><b>The annual benefit limit is US $2,400,000.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prestige: <\/b><span style=\"font-weight: 400;\">If you are looking to do annual checkups, this could be the plan for you. AXA\u2019s Prestige plan also covers routine pregnancy care and routine health checks up to <\/span><b>the annual benefit limit of US $3,200,000.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prestige Plus: <\/b><span style=\"font-weight: 400;\">The Prestige Plus plan provides the same extent of coverage as Prestige, but with a higher<\/span><b> annual benefit limit of US $8,000,000.<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It is important to note that all of AXA\u2019s international health plans do <\/span><b>NOT<\/b><span style=\"font-weight: 400;\"> cover <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\"><span style=\"font-weight: 400;\">pre-existing conditions<\/span><\/a><span style=\"font-weight: 400;\">, so if it is a major consideration factor for you, you might opt for other insurance companies instead.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Best Doctors Insurance: Access Elite Hospitals Across Latin America For Expats in Panama<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.lat\/insurers\/best-doctor-insurance\/\"><span style=\"font-weight: 400;\">Best Doctors Insurance<\/span><\/a><span style=\"font-weight: 400;\"> has been an active leader in insurance provision in Latin America since 1989. Their insurance plans are specially designed to connect expats to the best hospitals and health centers around the world.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are a total of 7 tiers of plans, providing<\/span><b> annual benefit limits from US $1 million to US $10 million<\/b><span style=\"font-weight: 400;\">. All plans have worldwide coverage, with the exception of the US where limits apply. Some plans may also exclude coverage in Brazil, Guatemala, and Canada.<\/span><\/p>\n<p><b>The benefits of securing international health insurance from Best Doctors are as follow:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eligibility up to age 74<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Free choice of provider outside the US<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage for in-patient hospital charges, intensive care unit services, prescribed medications, and diagnostic services\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage for out-patient emergency room, physicians and specialists visits, surgery, and prescribed medication<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to a network known as \u201cCenters of Excellence\u201d with some of the best hospitals in Latin America<\/span><\/li>\n<\/ul>\n<p><b>High-tier health plans from Best Doctors insurance also offers:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventive care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Routine health checkup<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Palliative care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity treatments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency transportation<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Bupa: Trusted Global Coverage with Telehealth Support For Expats in Panama<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20735 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/city-skyline-with-tall-buildings-in-ciudad-de-panama-panama.webp\" alt=\"Image of City Skyline With Tall Buildings In Ciudad De Panam\u00e1, Panam\u00e1 with text overlay of &quot;Bupa: Trusted Global Coverage with Telehealth Support&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/city-skyline-with-tall-buildings-in-ciudad-de-panama-panama.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/city-skyline-with-tall-buildings-in-ciudad-de-panama-panama-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/city-skyline-with-tall-buildings-in-ciudad-de-panama-panama-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/city-skyline-with-tall-buildings-in-ciudad-de-panama-panama-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/city-skyline-with-tall-buildings-in-ciudad-de-panama-panama-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa<\/span><\/a><span style=\"font-weight: 400;\"> is considered one of the best insurance companies because of its long-established brand name, dedicated customer service, and 24\/7 medical help through Bupa\u2019s <\/span><a href=\"https:\/\/www.bupaglobal.com\/en\/resources\/global-virtual-care\"><span style=\"font-weight: 400;\">Global Virtual Care<\/span><\/a><span style=\"font-weight: 400;\">, a leading telehealth platform capable of offering personalized treatment through technology.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bupa is reputed for its excellent benefit provision across all plan tiers, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.bupaglobal.com\/en\/facilities\/finder\"><span style=\"font-weight: 400;\">Extensive network of providers<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.bupaglobal.com\/en\/resources#:~:text=Second%20Medical%20Opinion-,Digital%20services,-Manage%20your%20health\"><span style=\"font-weight: 400;\">Online and in-app access to support services<\/span><\/a><span style=\"font-weight: 400;\"> through MembersWorld<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customized insurance plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.bupaglobal.com\/en\/resources\/second-medical-opinion\"><span style=\"font-weight: 400;\">Second medical opinions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct access to specialists without referral<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct billing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lifetime renewal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for two children under 10 at no additional cost<\/span><\/li>\n<\/ul>\n<p><b>The table below shows the annual plan limit and the coverage of Bupa\u2019s international health insurance for expats:<\/b><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td colspan=\"5\">\n<p style=\"text-align: center;\"><strong>Bupa International Health Insurance Comparison<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Benefits Coverage<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>Major Medical<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Select<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Premier<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Elite<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Annual Plan Limit<\/em><\/td>\n<td>GBP \u00a32,500,000<\/td>\n<td>GBP \u00a31,250,000<\/td>\n<td>GBP \u00a31,875,000<\/td>\n<td>GBP \u00a33,750,000<\/td>\n<\/tr>\n<tr>\n<td><em>Private Hospital Room Coverage<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Medical Repatriation\u00a0<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2717<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2717<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Medical Evacuation\u00a0<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Outpatient Prescriptions<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2717<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Health Checks<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2717<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Maternity<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2717<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2717<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2717<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Dental &amp; Optical<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2717<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2717<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"font-weight: 400;\">Cigna: Worldwide Health Coverage with Custom Plan Options For Expats in Panama<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><span style=\"font-weight: 400;\"> provides expatriates from more than 200 countries and jurisdictions with global health insurance. The extensive network of hospitals and doctors, along with their 24\/7 customer support, have garnered high praise from numerous expats due to the convenience and professional service they offer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cigna\u2019s international health insurance plan is separated into three plan tiers: <\/span><b>Silver, Gold, and Platinum.<\/b> <b>Here, Pacific Prime presents you with a table of benefits covered in all tiers (but to different extents).<\/b><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td colspan=\"4\">\n<p style=\"text-align: center;\"><strong>Cigna Health Insurance Plans: Standard Medical Benefits<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Benefits Coverage<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>Silver<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Gold<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Platinum<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Annual Limit Amount<\/em><\/td>\n<td>US $1,000,000<\/td>\n<td>US $2,000,000<\/td>\n<td>Unlimited<\/td>\n<\/tr>\n<tr>\n<td><em>Inpatient Treatment<\/em><\/td>\n<td><strong>\u2713<\/strong><\/td>\n<td><strong>\u2713<\/strong><\/td>\n<td><strong>\u2713<\/strong><\/td>\n<\/tr>\n<tr>\n<td><em>Accident and ER Treatment<\/em><\/td>\n<td>US $500<\/td>\n<td>US $1,000<\/td>\n<td>US $1,200<\/td>\n<\/tr>\n<tr>\n<td><em>Advanced Medical Imaging<\/em><\/td>\n<td>US $10,000<\/td>\n<td>US $15,000<\/td>\n<td><strong>\u2713<\/strong><\/td>\n<\/tr>\n<tr>\n<td><em>Rehabilitation<\/em><\/td>\n<td>US $5,000<\/td>\n<td>US $10,000<\/td>\n<td><strong>\u2713<\/strong><\/td>\n<\/tr>\n<tr>\n<td><em>Ambulance Services<\/em><\/td>\n<td><strong>\u2713<\/strong><\/td>\n<td><strong>\u2713<\/strong><\/td>\n<td><strong>\u2713<\/strong><\/td>\n<\/tr>\n<tr>\n<td><em>Out-of-Area Emergency Hospitalization<\/em><\/td>\n<td>US $100,000<\/td>\n<td>US $250,000<\/td>\n<td><strong>\u2713<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Cigna provides expatriates with a range of deductible and cost-share options to effectively manage the premiums associated with their international health insurance plans. Below are the available choices for deductibles, cost-share percentages, and out-of-pocket maximums that can be selected:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deductible:<\/b><span style=\"font-weight: 400;\"> US $0, $375, $750, $1,500, $3,000, $7,500, $10,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cost-share after deductibles:<\/b><span style=\"font-weight: 400;\"> 0%, 10%, 20%, 30%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Out-of-pocket maximum:<\/b><span style=\"font-weight: 400;\"> US<\/span> <span style=\"font-weight: 400;\">$2,000 or $5,000<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">DavidShield: Seamless, Cashless Healthcare Experience For Expats in Panama<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.pacificprime.lat\/insurers\/david-shield-health-insurance\/\"><span style=\"font-weight: 400;\">DavidShield<\/span><\/a><span style=\"font-weight: 400;\"> Group is a prominent global private health insurance provider, offering coverage to clients across more than 150 countries. Through strategic partnerships with other international providers, they have built an extensive network of high-quality medical service providers worldwide.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Committed to exceptional customer service, DavidShield aims to simplify access to premium healthcare for its members. Their system eliminates the need for out-of-pocket expenses or claim form submissions, streamlining the healthcare experience.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Members receive a DavidCard, which facilitates cashless transactions for various medical services. This includes doctor consultations, prescription medications, laboratory tests, diagnostic imaging, and emergency room visits, enhancing convenience for policyholders.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">GBG: Customized Health Plans for Expats and Locals in Panama<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.lat\/insurers\/gbg\/\"><span style=\"font-weight: 400;\">GBG Insurance<\/span><\/a><span style=\"font-weight: 400;\"> delivers customer-oriented health insurance products for expats in Panama, offering them an extensive medical provider network and coverage plans to meet their diverse yet unique needs. GBG also partners with local insurance companies to meet specific country regulations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">GBG offers adaptable and affordable health insurance policies for both individual customers and group plans. What sets GBG apart is their ability to customize benefits according to client needs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They can design comprehensive plans with low deductibles and extensive coverage, as well as more budget-friendly options featuring higher deductibles and streamlined benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The insurance plans from GBG are specifically crafted to serve those residing or employed in foreign countries. What\u2019s more, GBG extends its services to local individuals and groups who may not have access to similar coverage options in their home countries, filling a crucial gap in the insurance market.<\/span><\/p>\n<p><b>Most GBG plans include the following health insurance benefits (dependent on the plan selected):<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to private doctors and specialists<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customized deductible and copayment options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for accidents and illnesses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical evacuation and air transportation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription drug benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to discounted U.S. prescriptions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient and outpatient coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health screenings and wellness checks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible coverage for dependents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mental health benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for pre-existing conditions (with underwriting approval)<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions: U.S.-Backed Health Insurance with Global Reach For Expats in Panama<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20736 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/high-rise-buildings-in-panama-city-under-a-clear-daytime-sky.webp\" alt=\"Image of High-rise Buildings In Panama City Under A Clear Daytime Sky with text overlay of &quot;GeoBlue&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/high-rise-buildings-in-panama-city-under-a-clear-daytime-sky.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/high-rise-buildings-in-panama-city-under-a-clear-daytime-sky-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/high-rise-buildings-in-panama-city-under-a-clear-daytime-sky-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/high-rise-buildings-in-panama-city-under-a-clear-daytime-sky-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/high-rise-buildings-in-panama-city-under-a-clear-daytime-sky-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a><span style=\"font-weight: 400;\">\u2019 Xplorer is an international health insurance for expats that has a network of providers spanning more than 180 countries with over 1.7 million providers. Every member can access phone-based or online support and telehealth services (<\/span><a href=\"https:\/\/about.geo-blue.com\/mobile-resources#:~:text=your%20ID%20card.-,Global%20TeleMD%E2%84%A2,-In%20addition%20to\"><span style=\"font-weight: 400;\">Global TeleMD<\/span><span style=\"font-weight: 400;\">TM<\/span><\/a><span style=\"font-weight: 400;\">) all year round.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats can also expect the following benefits provided by Blue Cross Blue Shield Global Solutions:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cashless appointments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless claims resolutions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appointment scheduling support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Destination health intelligence<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extensive direct billing network<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Expats who secured insurance with Blue Cross Blue Shield Global Solutions automatically become their members and can gain exclusive access to their member services application available in Apple and Android. Members can:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receive up-to-date news and safety information notifications for their locations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to the provider directory which includes doctor profiles, preferred hospitals, and contact information and addresses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic copy of ID cards and the ability to request a new physical copy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get a medical term and phrase glossary for common healthcare terms and phrases in multiple languages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use a medicine equivalent tool to help figure out what country-specific equivalent prescriptions and over-the-counter medications<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">There are a total of two plan levels\u2013 <\/span><b>Xplorer Essential and Xplorer Premier. <\/b><span style=\"font-weight: 400;\">The former provides minimal to no US coverage, while the latter provides worldwide coverage. The core benefits of the plans outside the US are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unlimited telemedicine visits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optional dental and vision coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Immediate coverage of pre-existing conditions with proof of previous coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A waived deductible for prescriptions, office visits, and preventative care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventative care and examinations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient drugs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical equipment<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you would like <\/span><b>coverage in the US<\/b><span style=\"font-weight: 400;\">, you have Xplorer Premier or Xplorer Essential with add-on coverage. <\/span><b>Here are the differences below, with all dollar amounts listed in USD:<\/b><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td colspan=\"3\">\n<p style=\"text-align: center;\"><strong>Xplorer Plans USA Coverage Comparison<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\n<p style=\"text-align: center;\">Xplorer Essential w\/ Add-on<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Xplorer Premier<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Medical Maximum Benefit Amount (USD)<\/em><\/td>\n<td>$1,000,000<\/td>\n<td>Unlimited<\/td>\n<\/tr>\n<tr>\n<td><em>Coverage Duration within the United States (for US Citizens)<\/em><\/td>\n<td>Maximum of three trips per calendar year, 21 days per trip<\/td>\n<td>Capped at 9 months<\/td>\n<\/tr>\n<tr>\n<td><em>Preventative Care within USA<\/em><\/td>\n<td>Not Covered<\/td>\n<td>Yes<\/td>\n<\/tr>\n<tr>\n<td><em>Ability to Travel to USA for Treatment<\/em><\/td>\n<td>No<\/td>\n<td>Yes<\/td>\n<\/tr>\n<tr>\n<td><em>Outpatient Prescription Drug Coverage (USD)<\/em><\/td>\n<td>$1,000 for prescriptions only related to emergency medical care, illness, and accidental injury<\/td>\n<td>$2,500 for Basic Benefit Package, $25,000 with Enhanced Prescription Upgrade<\/td>\n<\/tr>\n<tr>\n<td><em>Birth Control Coverage in USA<\/em><\/td>\n<td>Not Covered<\/td>\n<td>See plan outpatient drug limit<\/td>\n<\/tr>\n<tr>\n<td><em>Inpatient Mental Health Benefits within the USA<\/em><\/td>\n<td>Not Covered<\/td>\n<td>In-network: 80%, Out-of-network: 60%<\/td>\n<\/tr>\n<tr>\n<td><em>Outpatient Mental Health Benefits within the USA<\/em><\/td>\n<td>Not Covered<\/td>\n<td>In-network: 100% after $30 copay; Out-of-network: 60%<\/td>\n<\/tr>\n<tr>\n<td><em>USA Benefits for Covered Pre-existing Condition (USD)<\/em><\/td>\n<td>$500<\/td>\n<td>Unlimited<\/td>\n<\/tr>\n<tr>\n<td><em>Co-pay for each USA In-Network Physician Office Visit (USD)<\/em><\/td>\n<td>$50<\/td>\n<td>$30<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">IMG: Tiered Global Coverage with Optional Add-ons For Expats in Panama<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG<\/span><\/a><span style=\"font-weight: 400;\"> Health provides expatriates in Panama with an international health insurance plan featuring four tiers: <\/span><b>Bronze, Silver, Gold, and Platinum<\/b><span style=\"font-weight: 400;\">. These tiers offer varying lifetime coverage limits, reaching up to US $8,000,000 per person.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The plan is tailored for expatriates and families on extended travels, offering comprehensive benefits with a non-renewable lifetime limit to maintain affordable premiums. However, those planning permanent relocation might want to consider more sustainable insurance options.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The coverage from IMG is extensive, encompassing inpatient care, prescription medications, cancer treatments, and emergency medical services. Plan holders can also customize their coverage by adding optional riders, such as dental, vision, maternity, or sports coverage, depending on their chosen tier.<\/span><\/p>\n<p><b>Here\u2019s a comparison of the core benefits provided by IMG\u2019s international health insurance of different tiers:<\/b><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td colspan=\"5\">\n<p style=\"text-align: center;\"><strong>IMG Health Insurance Plans Benefits Comparison<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Benefits Coverage<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>Bronze<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Silver<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Gold<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Platinum<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Physician Visits<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Hospitalization room\/board<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\">US $600 per day; 240 days max<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Surgery<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Labs &amp; X-rays<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Specialist\/ Physician visits<\/em><\/td>\n<td>Maximum Limit: US $500 (Before Inpatient Treatment) Maximum Limit: US $500 (90 days following Inpatient Treatment or Outpatient Surgery)<\/td>\n<td>Maximum per visit: US $70<\/p>\n<p>Chiropractic maximum per visit: US $50 (with a referral from a physician)<\/p>\n<p>Surgical Intervention Consultation maximum: US $500<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><em>Outpatient Surgery<\/em><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>\u2713<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u2713<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Note:<\/b><span style=\"font-weight: 400;\"> For more information on coverage details, you may want to check out our insurer introduction <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/img\/\"><span style=\"font-weight: 400;\">page<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">VUMI: Five Levels of Expats\u2019 Health Insurance Tailored to Your Needs<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><span style=\"font-weight: 400;\"> has over 35 years of experience offering international health insurance options for expats with outstanding customer service. They also offer corporate plans, individual plans, life insurance, and travel insurance policies as parts of their product and service provision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are five different plan levels\u2013 namely<\/span> <span style=\"font-weight: 400;\">Global Flex VIP<\/span><b> Basic, Standard, Superior, Ultra, and Total<\/b><span style=\"font-weight: 400;\">, each providing certain benefits up to the annual benefit limit. Expats can also opt for maternity, routine dental, and optical coverage if they have these needs (subject to a waiting period).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a list showing the benefits of their respective plan levels:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Basic Plan:<\/b><span style=\"font-weight: 400;\"> With an annual limit of US $3,000,000, the VIP Basic plan is the most affordable insurance option for expats in Panama. It offers comprehensive inpatient coverage, with outpatient services only being covered before and after surgery.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Standard Plan: <\/b><span style=\"font-weight: 400;\">With an annual limit of US $3,500,000, this plan offers a step-up in coverage from the Basic plan and offers optional wellness and optical benefits for an additional premium.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Superior Plan<\/b><span style=\"font-weight: 400;\">: With an annual limit of US $4,000,000, the Superior Plan has options for additional optical and maternity benefits. It also includes coverage for outpatient benefits like complementary therapies.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Ultra Plan:<\/b><span style=\"font-weight: 400;\"> With an annual limit of US $4,500,000, the Ultra plan includes routine dental coverage and maternity benefits. Optical benefits can be added as well.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Total Plan<\/b><span style=\"font-weight: 400;\">: The most comprehensive of VUMI\u2019s health insurance policies, the Total Plan offers an annual limit of US $5,000,000. This plan includes the highest benefit limits and includes high coverage for dental and maternity benefits.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">How to Choose the Right Health Insurance in Panama as an Expat<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Through understanding the top 10 insurance companies in Panama for expats, you can make informed decisions on which company you think is the right choice for you by comparing the flexibility, comprehensiveness, and cost-effectiveness of the <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health plans<\/span><\/a><span style=\"font-weight: 400;\"> offered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, the above details are just the tip of the iceberg, there is so much more that can\u2019t be covered in such short paragraphs. You may want to know about the exclusions, the premiums, and the exclusive benefits. <\/span><b>And here\u2019s where a reputed insurance broker like Pacific Prime shines.<\/b><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/pp-profile\/about\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> has over 20 years of experience in the industry, our team of expert advisors can help you find and compare <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/americas\/panama-health-insurance-pacific-prime\/\"><span style=\"font-weight: 400;\">international health insurance plans for Panama<\/span><\/a><span style=\"font-weight: 400;\"> from these insurance companies so you can further verify your initial thoughts and impressions on these insurers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We also streamline your insurance process by assisting you with form-filling issues, assessing your healthcare needs, supporting you with claims and renewal processes, and giving you impartial advice on all insurance matters.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact our team of expert advisors<\/span><\/a><span style=\"font-weight: 400;\"> today, or start by <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">getting an obligation-free quote<\/span><\/a><span style=\"font-weight: 400;\"> with our advanced online quote generator!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can also check out our top 10 insurance companies for expats in <a href=\"https:\/\/www.pacificprime.com\/blog\/top-colombia-insurance-companies-expats.html\">Colombia<\/a> and <a href=\"https:\/\/www.pacificprime.com\/blog\/top-malaysia-insurance-companies-expats.html\">Malaysia<\/a> if you think that would be relevant to your expat journey.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Do you need health insurance in Panama?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Since expats have limited access to public services, many prefer to visit Panama\u2019s private healthcare facilities for quality medical services. As these services are expensive, it is recommended to secure health insurance to cover these expenses to guarantee financial stability in the unexpected.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How good is medical care in Panama?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Private medical care in Panama is top-notch, with world-class services and short wait times. Expats can also enjoy the convenience of access to an extensive network of these hospital facilities as Panama is a small city.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Securing international health insurance in Panama is essential for expats who want access to quality private healthcare and financial protection against unexpected medical costs. The top 10 insurance companies offering expat-friendly plans in Panama are Allianz, AXA, Best Doctors Insurance, Bupa, Cigna, DavidShield, GBG, Blue Cross Blue Shield Global Solutions, IMG, and VUMI. These providers &#8230;<\/p>\n","protected":false},"author":72,"featured_media":20733,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-17274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Insurance Companies in Panama for Expats<\/title>\n<meta name=\"description\" content=\"Get insights into the top 10 expat health insurance providers in Panama, from Allianz to VUMI. Understand their coverage options, benefits, and what makes each plan unique for expats.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/top-panama-insurance-companies-expats.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Insurance Companies in Panama for Expats\" \/>\n<meta property=\"og:description\" content=\"Get insights into the top 10 expat health insurance providers in Panama, from Allianz to VUMI. Understand their coverage options, benefits, and what makes each plan unique for expats.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/top-panama-insurance-companies-expats.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-01T13:50:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-26T03:25:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/view-of-large-water-body-with-city-skyline-along-av-balboa-panama.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1300\" \/>\n\t<meta property=\"og:image:height\" content=\"731\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Eric Chung\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric Chung\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-panama-insurance-companies-expats.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-panama-insurance-companies-expats.html\"},\"author\":{\"name\":\"Eric Chung\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/8da03284672ed34d05706dd9bd2d1b89\"},\"headline\":\"Top 10 International Health Insurance Providers in Panama for Expats\",\"datePublished\":\"2025-04-01T13:50:39+00:00\",\"dateModified\":\"2026-01-26T03:25:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-panama-insurance-companies-expats.html\"},\"wordCount\":2860,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-panama-insurance-companies-expats.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/view-of-large-water-body-with-city-skyline-along-av-balboa-panama.webp\",\"articleSection\":[\"Expat Insurance\",\"Health\"],\"inLanguage\":\"en\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-panama-insurance-companies-expats.html\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-panama-insurance-companies-expats.html\",\"name\":\"Best Insurance Companies in Panama for Expats\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-panama-insurance-companies-expats.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/top-panama-insurance-companies-expats.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/view-of-large-water-body-with-city-skyline-along-av-balboa-panama.webp\",\"datePublished\":\"2025-04-01T13:50:39+00:00\",\"dateModified\":\"2026-01-26T03:25:45+00:00\",\"description\":\"Get insights into the top 10 expat health insurance providers in Panama, from Allianz to VUMI. 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