{"id":29913,"date":"2026-04-15T16:50:48","date_gmt":"2026-04-15T08:50:48","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=29913"},"modified":"2026-04-21T02:34:30","modified_gmt":"2026-04-20T18:34:30","slug":"how-to-get-health-insurance-brazil","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/how-to-get-health-insurance-brazil.html","title":{"rendered":"How to Get Health Insurance in Brazil: Step-by-Step for Foreigners"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Expats can get SUS coverage in Brazil by first getting their Cadastro de Pessoas F\u00edsicas (CPF), then their National Migratory Registration Card (CRNM). Once they\u2019ve done that, expats can get their National Health Card, which allows them to visit public hospitals and receive care at no cost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Public SUS coverage may be free, but private healthcare is popular with expats for improved quality of care and shorter wait times. To get private insurance, expats should evaluate their health needs, pick a provider and plan, and apply online. <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Brokers can simplify this process<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an expat who is trying to find out how to get health insurance in Brazil? This guide will outline the steps to get both public and private health insurance, help give advice on key considerations for coverage, explain <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/americas\/brazil-health-insurance-pacific-prime-international\/\"><span style=\"font-weight: 400;\">Brazil\u2019s healthcare system<\/span><\/a><span style=\"font-weight: 400;\">, and more.\u00a0<\/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;\">How to Get Public Healthcare as a Foreigner in Brazil<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29918 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-physician-measuring-senior-mans-blood-pressure-during-clinic-consultation.webp\" alt=\"Image of Female Physician Measuring Senior MAN\u2019s Blood Pressure During Clinic Consultation with text overlay of &quot;How to Get Public Healthcare as a Foreigner in Brazil&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-physician-measuring-senior-mans-blood-pressure-during-clinic-consultation.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-physician-measuring-senior-mans-blood-pressure-during-clinic-consultation-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-physician-measuring-senior-mans-blood-pressure-during-clinic-consultation-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-physician-measuring-senior-mans-blood-pressure-during-clinic-consultation-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-physician-measuring-senior-mans-blood-pressure-during-clinic-consultation-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Expats can access Brazilian public healthcare once they have a Cart\u00e3o Nacional de Sa\u00fade (CNS), commonly known as a SUS card. Before they can get their CNS, expats must get their Cadastro de Pessoas F\u00edsicas, National Migratory Registry Card, and gather other necessary documents.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step One: Get a Cadastro de Pessoas F\u00edsicas (CPF) as an Expat in Brazil<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To get your Cadastro de Pessoas F\u00edsicas (CPF) as an expat in Brazil, follow these steps:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Complete the CPF Form: <\/b><span style=\"font-weight: 400;\">Fill out the <\/span><a href=\"https:\/\/servicos.receita.fazenda.gov.br\/Servicos\/CPF\/cpfEstrangeiro\/Fcpf.asp\"><span style=\"font-weight: 400;\">required form<\/span><\/a><span style=\"font-weight: 400;\"> online and submit it. You will be given a protocol number after submission, which you should also keep on hand.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gather the Necessary Documents:<\/b><span style=\"font-weight: 400;\"> Ensure you have your valid passport, birth certificate (for parental information), and your completed CPF form with your protocol number.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Apply Online:<\/b><span style=\"font-weight: 400;\"> Use the <\/span><a href=\"https:\/\/econsular.itamaraty.gov.br\/\"><span style=\"font-weight: 400;\">online consular registration<\/span><\/a><span style=\"font-weight: 400;\"> to apply for your area. Upload all required documentation and set your appointment for the in-person portion of your application.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Attend Your Appointment:<\/b><span style=\"font-weight: 400;\"> Attend your appointment at your Brazilian consulate. Bring original copies of all required documents.<\/span><\/li>\n<\/ol>\n<h3><span style=\"font-weight: 400;\">Step Two: Get a National Migratory Registry Card (CRNM) as an Expat in Brazil<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Getting a National Migratory Registry Card (CRNM) as an expat in Brazil is simple. Here\u2019s how to do it:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gather the Necessary Documents:<\/b> <a href=\"https:\/\/www.gov.br\/pf\/pt-br\/assuntos\/imigracao\/registrar-se-como-estrangeiro-no-brasil\/registro-de-imigrante-reconhecido-como-refugiado-pelo-comite-nacional-para-os-refugiados-conare\"><span style=\"font-weight: 400;\">Visit the Federal Police website<\/span><\/a><span style=\"font-weight: 400;\"> to find what you will need for your application.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Anticipate Costs:<\/b><span style=\"font-weight: 400;\"> Be prepared for the cost of receiving your CRNM; costs are outlined on <\/span><a href=\"https:\/\/www.gov.br\/pt-br\/servicos\/obter-autorizacao-de-residencia-e-carteira-de-registro-migratorio\"><span style=\"font-weight: 400;\">the Federal Police website<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Complete the SUS Form:<\/b><span style=\"font-weight: 400;\"> Fill in the <\/span><a href=\"https:\/\/servicos.dpf.gov.br\/sismigra-internet\/faces\/publico\/tipoSolicitacao\/solicitarRegistroEmissaoCie.seam\"><span style=\"font-weight: 400;\">form<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Make and Attend Your Appointment:<\/b><span style=\"font-weight: 400;\"> Set an <\/span><a href=\"https:\/\/servicos.pf.gov.br\/agenda-web\/formulario\/2\"><span style=\"font-weight: 400;\">appointment<\/span><\/a><span style=\"font-weight: 400;\"> to visit the Federal Police and collect your CRNM.<\/span><\/li>\n<\/ol>\n<h3><span style=\"font-weight: 400;\">Step Three: Get a Cart\u00e3o Nacional de Sa\u00fade (CNS) as an Expat in Brazil<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once you\u2019ve gotten your CPF and CRNM, you\u2019re ready to get your SUS card\u2014the card that allows you to be treated at public facilities in Brazil at no charge. You can register for it at your municipal health office, at a hospital, or at a clinic. Basic Health Units (UBS) are easy places to get a CNS.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats do not need an appointment to get their CNS, and they can find UBS locations all across the country. Bring your CPF, CRNM, passport, and proof of address; remember that the form will be in Portuguese, so bring a Portuguese-speaking friend or be prepared with translation tools.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your card will be issued the same day.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your card is best accessed through the <\/span><a href=\"https:\/\/meususdigital.saude.gov.br\/login\"><span style=\"font-weight: 400;\">Meu SUS Digital<\/span><\/a><span style=\"font-weight: 400;\"> app, which also stores your vaccination records and clinical history, in addition to your digital SUS card.\u00a0<\/span><\/p>\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;\">How to Get Private Insurance as a Foreigner in Brazil<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To get private health insurance as an expat moving to Brazil, compare providers, pick a plan, consider add-on riders, and complete an online application. Expats can choose from local or international private plans.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Top local providers include SulAm\u00e9rica, Bradesco, Amil, and Unimed, or you can opt for international expat insurance. Favorite international providers for expats in Brazil include <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">Cigna Global<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s go through each of the steps to getting private health insurance in more detail.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step One: Compare Providers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The first thing you should do when looking for a private health insurance plan as an expat living abroad is to compare providers. Some providers offer only local coverage for Brazil, while others offer regional or international coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When choosing between providers, consider not just the area of coverage but also the provider\u2019s network. If you have specific hospitals or doctors you want covered in Brazil, ensure any provider you\u2019re looking at covers that location or doctor.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cost and reputation are also important to evaluate when comparing providers. International plans will cost more than regional or local plans, but they come with more perks. To see how reputable a provider is, don\u2019t forget to check reviews from consumers.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step Two: Gather Quotes and Pick a Plan<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once you\u2019ve picked your provider, narrow in on the plan that is best for you. We will address top considerations below, but don\u2019t just pick the cheapest plan; consider your health history and how best to balance that with your budget.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best way to see what you can get for your health needs is to get quotes for plans you\u2019re considering. Pacific Prime offers a <\/span><a href=\"https:\/\/health.pacificprime.com\/ALP\/general\/R\/pg1?mtch=p&amp;kwds=pacific%20prime&amp;cmid=13071692362&amp;dgid=127509589412&amp;kwid=kwd-303749081929&amp;dvce=c&amp;crtv=549937214290&amp;adps=&amp;netw=Search&amp;gad_source=1&amp;gad_campaignid=13071692362&amp;gbraid=0AAAAAD88GYraea5VgW2SUideQrv0wtxf4&amp;gclid=CjwKCAjwyYPOBhBxEiwAgpT8P1MZaVpkAN4n-wuFXfB5I58nzCCLJBjnC3qrdD-OXo76RwbWWWKIAhoCv9EQAvD_BwE\"><span style=\"font-weight: 400;\">free quote tool<\/span><\/a><span style=\"font-weight: 400;\"> where you can compare quotes from top providers and hundreds of plans.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step Three: Consider Add-On Riders<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One way to customize a plan to your lifestyle and budget is to consider any add-on riders offered by your provider. For example, dental benefits are often excluded from basic plans but can be added as a rider.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step Four: Complete the Online Application<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You\u2019ve picked your plan, and you\u2019re ready to move forward, so submit a formal application on the provider\u2019s website. This generally requires submitting information such as your age, gender, and health history.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Always be honest, especially about any pre-existing conditions you may have to avoid denied claims in the future, which can result in costly out-of-pocket expenses for you.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step Five: Review Terms and Finalize Your Plan<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats who have been approved for a plan should carefully read through the terms and conditions of the offered plan. Some plans come with exclusions, waiting periods, and moratoriums for certain benefits, such as maternity benefits or pre-existing condition coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you\u2019ve reviewed your plan conditions thoroughly, submit payment and start receiving coverage! You will choose whether to pay monthly or annually.<\/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;\">How to Pick the Right Health Insurance Plan for Brazil<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Most expats use Brazil\u2019s public SUS coverage for vaccinations and emergencies while relying on private insurance for more specialized care. However, each expat is different, so here are the most important considerations when picking insurance.<\/span><\/p>\n<ul>\n<li><b>Range of Benefits: <\/b><span style=\"font-weight: 400;\">Look for comprehensive coverage that includes inpatient and outpatient services, preventive care, maternity, mental health services, and prescription medications.<\/span><\/li>\n<li><b>Pre-Existing Conditions: <\/b><span style=\"font-weight: 400;\">SUS coverage includes treatment for pre-existing conditions for free, but it can be hard to get into public specialists quickly. In contrast, many private plans offer coverage for pre-existing conditions only after a given waiting period.\u00a0<\/span><\/li>\n<li><b>Exclusions:<\/b><span style=\"font-weight: 400;\"> Review the policy exclusions carefully, as many plans may not cover specific pre-existing conditions or certain treatments, leading to unexpected out-of-pocket costs.<\/span><\/li>\n<li><b>Local vs. Regional vs. International Coverage:<\/b><span style=\"font-weight: 400;\"> If you plan to spend most of your time in Brazil, a local or regional plan may suffice and would help lower the cost of your plan. If you plan to travel frequently, an international plan is advisable so that you\u2019re covered wherever you are.<\/span><\/li>\n<li><b>Waiting Periods:<\/b><span style=\"font-weight: 400;\"> As mentioned above, private plans often require a waiting period for higher-risk benefits for the insurance company, such as pregnancy or other pre-existing conditions. Always check with a provider about waiting periods before securing a plan.<\/span><\/li>\n<li><b>Language Assistance Needs:<\/b><span style=\"font-weight: 400;\"> If you don\u2019t speak Portuguese, an international plan is highly recommended. Brazil has very few public system doctors who speak English, while international networks cater to expats with translation services and many English-speaking doctors.<\/span><\/li>\n<li><b>Cost:<\/b><span style=\"font-weight: 400;\"> Your premium, deductible, copayments, and out-of-pocket maximums all work together to determine how much you\u2019ll pay each month for insurance and how much you\u2019ll pay whenever you get medical services.\u00a0<\/span><\/li>\n<li><b>Coverage Limits:<\/b><span style=\"font-weight: 400;\"> Assess the maximum amount the insurer will cover for medical expenses to ensure it meets your needs, especially if you expect extensive care.<\/span><\/li>\n<li><b>Convenience:<\/b><span style=\"font-weight: 400;\"> If receiving care quickly and having comfortable accommodations like private hospital rooms are important to you, SUS coverage will likely not be preferable for you. Private coverage offers faster and more exclusive care.<\/span><\/li>\n<li><b>Provider Network:<\/b><span style=\"font-weight: 400;\"> A larger network of medical providers enhances access to various hospitals and clinics, reducing wait times and improving care quality.<\/span><\/li>\n<li><b>Claims Process:<\/b><span style=\"font-weight: 400;\"> Direct billing means your medical expenses will be directly paid by your insurer, easing financial stress for you. In contrast, some providers require that you pay upfront for your medical treatment, then submit a claim for reimbursement.<\/span><\/li>\n<li><b>Insurer Reputation:<\/b><span style=\"font-weight: 400;\"> Research the insurer\u2019s reputation through feedback and ratings from current policyholders to gauge reliability and customer service.<\/span><\/li>\n<li><b>Adventure Activities and Support:<\/b><span style=\"font-weight: 400;\"> If you plan to engage in adventure activities, confirm that the policy covers them and that the insurer offers 24\/7 emergency assistance for urgent situations.<\/span><\/li>\n<li><b>Medical Evacuation Coverage:<\/b><span style=\"font-weight: 400;\"> Ensure the plan includes coverage for <\/span><a href=\"https:\/\/www.pacificprime.com\/medical-evacuation-guide\/\"><span style=\"font-weight: 400;\">medical evacuation<\/span><\/a><span style=\"font-weight: 400;\">, which can cover transportation costs and logistical support if you need to be moved for medical treatment or to return to your home country.<\/span><\/li>\n<li><b>Repatriation of Remains:<\/b><span style=\"font-weight: 400;\"> Repatriation of remains covers the cost of transporting your body back to your home country in the event that you die while in Brazil. This coverage is common in international plans but not in SUS coverage.<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Get Help from a Broker to Get Health Insurance in Brazil<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">An international health insurance broker <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">like Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> helps you find the best plan for your personal health needs as an expat in Brazil. Whether they\u2019re quoting and comparing plans or finding the plans that maximize your budget, brokers simplify the process of picking health insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the key benefits of working with an insurance broker is that a broker represents the client, not the insurance companies. That means they can easily quote and compare different plans from multiple providers to find one that best suits your needs.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Insurance Brokers Handle Administrative Tasks<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One of the benefits of working with an insurance broker is that there are fewer administrative tasks for you: brokers can correspond with insurers on your behalf, manage policy documentation, help process your claims, and more.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Insurance Brokers Offer Continuous Support<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You remain a client of your selected insurance broker after you secure the policy. The broker will continue to assist you in renewing your plan, updating it, and filing claims. You\u2019ll be able to reach out with questions and receive support from your insurance broker.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Insurance Brokers Offer Personalized Options and Market Insights<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insurance brokers are experts on policy options and market trends. You\u2019ll be able to customize plans based on your budget and needs because an insurance broker will help you secure the best fit for your life in Brazil.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Insurance Brokers Advocate and Mediate on Behalf of Policyholders<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Your broker will support you and work to keep your loyalty. Since they also understand the terminology of insurance and specialize in Brazilian markets, you\u2019ll have much more security with an expert advocate in your corner.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Brazil\u2019s Healthcare System Explained for Expats<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29920 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/male-pediatrician-consulting-mother-and-child-while-noting-details-during-clinic-visit.webp\" alt=\"Image of Male Pediatrician Consulting Mother And Child While Noting Details During Clinic Visit with text overlay of &quot;Brazil\u2019s Healthcare System Explained for Expats&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/male-pediatrician-consulting-mother-and-child-while-noting-details-during-clinic-visit.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/male-pediatrician-consulting-mother-and-child-while-noting-details-during-clinic-visit-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/male-pediatrician-consulting-mother-and-child-while-noting-details-during-clinic-visit-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/male-pediatrician-consulting-mother-and-child-while-noting-details-during-clinic-visit-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/male-pediatrician-consulting-mother-and-child-while-noting-details-during-clinic-visit-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Brazil\u2019s government oversees all healthcare policy, including the <\/span><a href=\"https:\/\/www.saude.mg.gov.br\/sus\/\"><span style=\"font-weight: 400;\">Unified Health System (Sistema \u00danico de Sa\u00fade\/SUS)<\/span><\/a><span style=\"font-weight: 400;\">, but the decentralized system gives each individual state and municipality the responsibility for running and distributing care in their area.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brazilian citizens, residents (including expats), and even visitors can get free, comprehensive public care in public facilities through Brazil\u2019s SUS scheme. While Brazil is known for having good healthcare, that healthcare can be difficult to access, with wait times known for being long.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats who are not comfortable speaking Portuguese should also note that it can be difficult to find doctors in the public healthcare system who speak other languages. English-speaking doctors are much more common in the private sector.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To find out more about the quality of medical care in Brazil, check out <\/span><a href=\"https:\/\/www.pacificprime.lat\/blog\/quality-of-healthcare-in-brazil\/\"><span style=\"font-weight: 400;\">our article<\/span><\/a><span style=\"font-weight: 400;\"> on the subject.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Public healthcare through SUS in Brazil is comprehensive, meaning expats and other Brazilian residents can fulfil most, if not all, of their healthcare needs through this system. Below is an extensive list of the benefits offered:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Blood therapy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dialysis<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lab tests<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical equipment, such as wheelchairs and hearing aids<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mental health services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oncology services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Organ transplants<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physical therapy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventative services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription drug coverage (for approved medications)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surgery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vaccinations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vision care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visits to specialists and general practitioners<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Private Healthcare in Brazil<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Private healthcare is popular in Brazil, even with the country\u2019s free SUS system. The private sector offers better quality of care and top-notch facilities without the drawbacks of extensive wait times, no English-speaking doctors, and variable quality found in the public sector.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Private insurance gives expats access to private medical care, but all private plans must meet requirements set by the<\/span><a href=\"https:\/\/www.gov.br\/ans\/pt-br\"><span style=\"font-weight: 400;\"> National Agency for Supplementary Health<\/span><\/a><span style=\"font-weight: 400;\"> (ANS). ANS is distinct from the Ministry of Health and is in charge of regulating and authorizing health insurance plans in Brazil.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ANS requirements for private insurance plans are laid out in their <\/span><i><span style=\"font-weight: 400;\">Rol de Procedimentos<\/span><\/i><span style=\"font-weight: 400;\">, which includes a list of over 3,000 items, from basic doctor checkups to complex cancer treatments.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Can foreigners get free healthcare in Brazil?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">All residents in Brazil, including expats, have access to free healthcare through the country\u2019s public SUS system.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How can expats access healthcare in Brazil?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats can access free healthcare services at public facilities by registering for a <\/span><a href=\"https:\/\/www.gov.br\/saude\/pt-br\/acesso-a-informacao\/acoes-e-programas\/cns\"><span style=\"font-weight: 400;\">National Health Card (CNS)<\/span><\/a><span style=\"font-weight: 400;\"> using their <\/span><a href=\"https:\/\/servicos.receita.fazenda.gov.br\/servicos\/cpf\/\"><span style=\"font-weight: 400;\">Cadastro de Pessoas F\u00edsicas (CPF)<\/span><\/a><span style=\"font-weight: 400;\">. Many also opt for private health insurance for quicker access to care and to avoid long waits in public hospitals.<\/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;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expats who are looking for <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-brazil-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">health insurance for Brazil<\/span><\/a><span style=\"font-weight: 400;\"> should register for public coverage because it is simple and offers options for free, quality medical care. Getting private insurance coverage on top of SUS offerings is advisable since the application is simple and offers access to quicker care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re still concerned about getting your health insurance right abroad, let the brokers at Pacific Prime help you. Pacific Prime has over 25 years of experience helping individuals, families, and businesses find the exact plan for their health needs and budget.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With international market understanding, they can make finding personalized plans simple. Call\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">+1 (332) 222 3909 or <\/span><a href=\"https:\/\/www.pacificprime.lat\/contact-us\/\"><span style=\"font-weight: 400;\">contact us for free, no-obligation assistance<\/span><\/a><span style=\"font-weight: 400;\"> today.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Suggested Reading:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health Insurance in Brazil for Expats: SUS, Private &amp; International Options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/sus-brazil-public-healthcare-expats.html\"><span style=\"font-weight: 400;\">SUS Healthcare in Brazil: Free Public Healthcare for Expats<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/medical-emergencies-brazil-expats.html\"><span style=\"font-weight: 400;\">Medical Emergencies in Brazil: What Expats Need to Know<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Expats can get SUS coverage in Brazil by first getting their Cadastro de Pessoas F\u00edsicas (CPF), then their National Migratory Registration Card (CRNM). Once they\u2019ve done that, expats can get their National Health Card, which allows them to visit public hospitals and receive care at no cost. Public SUS coverage may be free, but private &#8230;<\/p>\n","protected":false},"author":54,"featured_media":29916,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-29913","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 v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Get Health Insurance in Brazil: Step-by-Step for Foreigners<\/title>\n<meta name=\"description\" content=\"This step-by-step guide will help expats know how to get public SUS coverage and private health insurance, plus how to find the right plan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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