Aruba Health Insurance for Expats

Aruba International Health Insurance for Expats

Expats living in Aruba may choose to secure a private international medical insurance plan because the public insurance plan only provides basic coverage. International insurance, however, is designed specifically for the unique circumstances of living abroad.

These global health plans can cover you in every country, offer services in most languages, and be customized to your unique budget and needs. International health insurance plans can include coverage for:

• Inpatient
• Outpatient
• Vision
• Dental
• Maternity
• Preventative care

Expats will get to choose their own insurance provider, level of coverage, and add-on benefits. Unlike a public insurance plan that is handed to you, with a private international plan, you get to customize it to your needs and budget.

In this Pacific Prime article, we'll explain what health insurance options are available to expats, how Aruba's healthcare system is set up, what expats should consider when picking their insurance policy, and what health and safety tips travelers should know before departure.

Recommended International Health Insurance Plans for Expatriates Living in Aruba

Cigna Global Insurance Plan

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted network of hospitals and doctors
• Numerous Deductible Options
• 24/7 Customer Support
• 4 Core Insurance Plans

Plan Details Get a Quote

Allianz Care Health Insurance

• World-leading Health Insurance Provider for Expats
• Extensive Network With Over 1.9 Million Medical Providers
• Quick and Efficient Claims Process
• Maximum Plan benefit up to USD $4,000,000
• Flexible deductibles for inpatient and outpatient plans

Plan Details Get a Quote

The Healthcare System in Aruba

Aruba’s healthcare system is the best in the Caribbean, but its medical facilities are not particularly outstanding. Aruba has one of the highest cases of diabetes around the globe, largely due to its tourist industry that features unhealthy, deep-fried dishes.

Aruba has a total of four modern healthcare centers on the island, and if these centers cannot treat a particular health emergency, patients are life-flighted to the nearest facility that can treat them.

It is common for Aruban pharmacies to stock a variety of medications, and pharmacists can recommend alternatives if a specific drug is unavailable. It is recommended to bring all the medications you’ll need for the duration of your stay.

The quality of care is good in Aruba, and can be considered comparable to a small hospital in the U.S.

Aruba Public Sector and Hospitals

The public healthcare sector in Aruba provides mental and physical health services, and the public health laboratories have the latest analytical instruments for laboratory specialists and bioanalytics. 

The public hospitals and clinics in Aruba include Dr. Horacio Oduber Hospital in Oranjestad, Centro Medico Rudy Engelbrecht in San Nicolas, and MedCare Clinic in Noord.

These are the various healthcare departments of the public sector:

• Department of Infectious Diseases
• Youth Dental Care
• Pharmaceutical Affairs
• Labor Health Service
• Ambulance Service

Aruba Private Sector and Hospitals

Aruba’s private healthcare sector has a number of clinics that can offer immediate medical care. Dutch is the most commonly used language in private clinics, but French, German, and Spanish are also spoken. There is a private Urgent Care Clinic in Noord that is a modern medical center on the island.

Private healthcare clinics can treat the following ailments:

• Eye, ear, and nose infections
• Pulmonary complaints
• Renal complications
• Cardiovascular concerns
• Gastrointestinal issues
• And more!

Health Insurance Options in Aruba for Expats

Aruba’s universal healthcare system is primarily funded through public funds and the Algemene Ziektekosten Verzekering (AZV). Expats living in Aruba are required to register for AZV, but many also choose to supplement this coverage with a private insurance plan from an international company.

Public Insurance in Aruba

Algemene Ziektekosten Verzekering (AZV) is Aruba’s mandatory public health insurance scheme. All legal residents and national employees must register for AZV. First, residents register with Censo (the public register), and then they apply for AZV that covers physical and mental health care.

Aruba’s AZV public insurance scheme covers:

• General Practitioner visits
• Specialist care
• Hospitalizations
• Medications
• Medical devices
• Dental and orthodontic care is limited

AZV is funded by employers, employees, and the Aruban government. Patients should first visit their family medicine doctor for health needs and then receive referrals to specialists if needed.

Private Insurance in Aruba

Aruban residents, expats, and digital nomads typically secure private international health insurance because these plans have superior benefits packages and they include emergency evacuation coverage.

Private insurance also provides coverage for more services than the public system typically covers. An international health insurance plan in Aruba would grant an expat the following benefits no matter what country they are in:

• Inpatient and day-patient care
• Outpatient and specialist visits
• Emergency medical care and transportation
• Vision care
• Dental care
• Maternity and infertility treatments
• Preventative care
• Emergency medical evacuation and repatriation
• A wider range of prescriptive medications
• Mental health care and various therapy modalities
• 24/7 virtual doctor appointments
• 24/7 support from insurance experts
• Some travel insurance benefits

With private international insurance, expats can build their own plan by selecting their tier of coverage, deductible and copay contributions, medical provider, add-on packages, and more. 

This freedom of choice enables expats to get coverage for what they need to protect their health and wellbeing. Learn how a broker can help expats pick the right insurance plan for their time in Aruba. The advantages are incredible!

Best Private Insurance for Expats in Aruba

Cigna Global, Allianz Care, Blue Cross Blue Shield Global Solutions, William Russell, and Bupa Global are the best private international health insurance providers for expatriates living or working in Aruba.

Let’s learn a little more about each provider below. Feel free to read our article detailing the top 10 international health insurance providers for more suggestions.

Cigna Global

Cigna Global offers international health insurance to expats living in more than 200 markets and territories around the world. Cigna has 1.5 million health professionals and 24/7 customer support workers who speak more than 50 languages. Individuals, families, and businesses can get Cigna coverage.

Here are some more Cigna highlights:

• Hospitalization
• Inpatient and outpatient services
• Cancer treatment
• Physiotherapy
• Accidental death or total permanent disability compensation

Plan Details Get a Quote

Allianz Care

Allianz Care is a world-leading health insurance provider for expats living globally. As the international health brand of the larger Allianz Partners, Allianz Care offers health, life, critical illness, and disability insurance around the globe in 75 countries and over 58 languages.

Here are some more Allianz highlights:

• Inpatient costs
• Diagnostics and laboratory tests
• Surgeries
• Ambulances transport
• Cancer treatment

Plan Details Get a Quote

Blue Cross Blue Shield Global Solutions

Blue Cross Blue Shield Global Solutions’ international network of providers spans more than 180 countries and territories and includes more than 1.7 million providers. Blue Cross Blue Shield Global Solutions offers the Xplorer Essential and the Xplorer Premier expat health insurance plans. These plans are favorites for U.S. expats.

Their exclusive deals for U.S. citizens make getting coverage within the U.S. more affordable than many other providers.

Here are some more Blue Cross Blue Shield Global Solutions highlights:

• Diagnostic lab work and X-rays
• Surgery
• Inpatient medical emergencies
• Emergency evacuation and repatriation

Plan Details Get a Quote

William Russell

William Russell is a top provider of global health packages catering to expat individuals, digital nomads, families, and students. Those living abroad will appreciate William Russell’s six zones of coverage that grant you the control to customize your premiums and where you get coverage.

Here are some William Russell highlights:

• Hospitalization treatment
• Cancer treatment and care
• Emergency evacuations
• Diagnostics
• Post-hospital physiotherapy

Plan Details Get a Quote

Bupa Global

Bupa Global is a top choice for expats in Aruba because it offers an extensive medical network, a wide range of benefit levels, and coverage for a limited number of children at no additional cost. Bupa offers the Major Medical, Select, Premier, and Elite plans.

Here are some more Bupa Global highlights:

• Inpatient treatment
• Cancer treatment
• Private hospital room coverage
• Medical evacuation coverage
• Health checks and screenings

Plan Details Get a Quote

Consider This When Picking Health Insurance in Aruba

Expats moving to Aruba should evaluate the differences between local and international health insurance plans, check the emergency evacuation coverage benefits of each plan, and make sure any given plan will cover them in the hospitals and clinics they want to be treated in before purchasing a plan.

Here’s our list of topics to consider before picking your plan:

• Local vs. International Plans: Decide whether you want a local Aruban insurance provider or an international plan with broader coverage, especially if you travel frequently.
• Hospital and Clinic Access: Ensure the plan includes access to reputable facilities, like Dr. Horacio E. Oduber Hospital, and covers private clinics, if desired.
• Emergency Evacuation Coverage: Given Aruba's small size, choose a policy that covers medical evacuation to nearby countries for complex treatment needs.
• Coverage for Pre-Existing Conditions: Check if your plan covers chronic or pre-existing conditions, as some providers may have waiting periods or exclusions.
• Prescription Medication Coverage: Verify which medications are covered and whether you’ll need to pay upfront and claim reimbursement.
• Language and Customer Support: Choose an insurer that offers customer support in your preferred language and has clear, responsive communication channels.
• Cost and Deductibles: Compare monthly premiums and out-of-pocket costs to ensure the plan fits your budget while offering sufficient protection.
• Residency Requirements: Some plans require proof of residency or a local address, so make sure your legal status aligns with the policy terms.

Health and Safety Tips for Travelers in Aruba

Travelers in Aruba should stay hydrated, use sun protection, watch out for ocean currents, and practice food and water safety. It’s also advised that travelers secure a travel insurance plan that covers their travel expenses and the full duration of their trip.

Here are 10 health and safety tips for travelers in Aruba:

1. Stay Hydrated: Aruba’s warm, sunny climate can lead to dehydration quickly, so drink plenty of water throughout the day, especially if you're active or at the beach.
2. Use Sun Protection: The UV index is high year-round—apply broad-spectrum sunscreen, wear hats and sunglasses, and seek shade during peak sun hours.
3. Watch for Ocean Currents: Some beaches have strong undertows or sudden drop-offs; always follow posted warnings and swim in designated safe zones.
4. Protect Against Mosquitoes: While Aruba has a low risk of mosquito-borne diseases, use insect repellent and wear long sleeves in the evening, especially after rain.
5. Practice Food Safety: Stick to well-reviewed restaurants and drink bottled water if unsure about tap water, though Aruba’s tap water is generally safe.
6. Be Cautious with Alcohol: Alcohol is widely available, but drink responsibly and avoid leaving drinks unattended, especially in nightlife areas.
7. Use Reliable Transportation: Choose licensed taxis or reputable rental agencies; avoid hitchhiking or unmarked vehicles for safety.
8. Secure Your Belongings: Petty theft can occur—keep valuables locked in a hotel safe and avoid displaying expensive items in public.
9. Prepare for Medical Needs: Bring any necessary medications in original packaging and know the location of nearby clinics or hospitals, like Dr. Horacio E. Oduber Hospital.
10. Respect Local Laws and Customs: Aruba has strict laws on drug possession and public nudity; familiarize yourself with local regulations to avoid legal issues.

Frequently Asked Questions

Do I need international health insurance to live in Aruba?

Health insurance is required for most residency and long-stay permits in Aruba. International insurance is especially helpful for expats who want access to private care or coverage when traveling outside Aruba. It also ensures peace of mind during medical emergencies.

Can I use my home country insurance in Aruba?

Most home country insurance plans do not offer full coverage overseas, especially for non-emergency care. While travel insurance may help temporarily, long-term expats need a more reliable solution. International health insurance fills this gap with broader coverage in Aruba and beyond.

What does international health insurance in Aruba cover?

Coverage for international health insurance in Aruba typically includes doctor visits, emergency care, hospitalization, and sometimes specialist treatments. Many plans also offer optional dental, vision, and maternity coverage. Emergency evacuation and repatriation are often included.

How much does international health insurance cost in Aruba?

Costs vary based on your age, coverage, and any pre-existing conditions. On average, expats can expect to pay between $100 and $500 per month. Higher-tier plans with worldwide coverage or low deductibles will be on the more expensive end.

Are pre-existing conditions covered by international insurance in Aruba?

Some international plans will cover pre-existing conditions after a waiting period, often six to 12 months. Others may exclude them altogether or charge higher premiums. It’s important to read the fine print and compare policies before enrolling.

Conclusion: Compare Plans and Quotes Now

Since it can feel overwhelming to know which provider and plan to go with, consulting with a professional who knows the market and the options can simplify and speed up the process. There are many benefits for using a broker when getting insurance, including saving money and time!

As a broker with over 25 years of experience in the industry, Pacific Prime offers a wide spectrum of health insurance policies. From family insurance and maternity coverage to travel insurance, we are more than capable of finding the perfect plan that balances your budget with your needs.

Get a free quote now with our online comparison tool that features over 50,000 insurance plans. For tailored, impartial advice, contact our team of expert insurance advisors today!