International Health Insurance for Expats in Bonaire, Sint Eustatius, and Saba
Expats in Bonaire, Sint Eustatius, and Saba will need international health insurance to protect themselves best while in the islands. International health insurance can provide expats and visitors in the Caribbean Netherlands with valuable medical evacuation coverage and other benefits.
Are you an expat heading to Bonaire, Sint Eustatius, and Saba? Do you want to know more about the best health insurance plan for your time abroad? The Pacific Prime insurance experts have created this guide detailing your health insurance options for the islands.
We will discuss the islands’ healthcare system, international health insurance providers, and more. We will also share resources for visitors in Bonaire, Sint Eustatius, and Saba. Read to learn more, or click here for a free health insurance quote!
Recommended International Health Insurance Plans for Expatriates Living in Bonaire, Sint Eustatius, and Saba
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
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
The Healthcare System in Bonaire, Sint Eustatius, and Saba
The universal healthcare system in Bonaire, Sint Eustatius, and Saba (also known as the BES Islands) is managed by the Department of Care and Youth Caribbean Netherlands (ZJCN). This healthcare system differs from that of the Netherlands in Europe.
Healthcare is publicly funded through taxes in the BES islands. Since healthcare services are limited on the islands, patients are often referred to other islands like Sint Maarten, Aruba, and others.
Some of the most common challenges in the BES islands’ healthcare system include limited provider options, quick medical staff turnover, and limited quality care and availability.
Bonaire, Sint Eustatius, and Saba Hospitals and Clinics
Bonaire, Sint Eustatius, and Saba offer healthcare services through the hospitals St. Eustatius Health Care Foundation, Saba Cares Foundation, and Fundashon Mariadal. We will share more about these hospitals and provide their contact information below.
St. Eustatius Health Care Foundation
Address: Queen Beatrix Rd, Oranjestad, Caribbean Netherlands
Phone: +599 318 2211
The Sint Eustatius Health Care Foundation (SEHCF) is a full-service primary and secondary medical provider for locals and expats in Sint Eustatius. The hospital handles urgent and emergency care, routine general practitioner visits, and more.
Address: Paris Hill Road #12, The Bottom, Saba, Caribbean Netherlands
Phone: (+599) 416 3288
Saba Cares is a primary healthcare provider on the island and provides comprehensive medical services, including emergency care and general practitioner visits, diagnostics, therapy, rehabilitation, and more.
Address: Kaya Soeur Bartola # 2, Kralendijk
Phone: +(599) 717-8900
Fundashon Mariadal is a healthcare provider in Bonaire that provides medical services to both expats and locals on the island. They provide emergency, surgical, and specialized care to their patients. They also provide diagnostic labs and pharmacy services.
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Health Insurance Options in Bonaire, Sint Eustatius, and Saba for Expats
Expats in the BES islands can choose to either enroll in the public health insurance if they are eligible, or choose private health insurance for their time in the islands. Many expats prefer the option of private health insurance due to its expansive and customizable coverage.
Public Insurance in Bonaire, Sint Eustatius, and Saba for Expats
Expats who are lawfully residing or working in the BES islands may be able to be covered under the BES Healthcare Insurance provided by the Department of Care and Youth Caribbean Netherlands (ZJCN).
Expats must register with the ZJCN and be registered in the population register of the Caribbean Netherlands to be eligible for this coverage. While public health insurance may be low-cost, it doesn’t offer the same benefits as private international health insurance.
Private Insurance in Bonaire, Sint Eustatius, and Saba for Expats
Private health insurance can help cover the cost of healthcare services in Bonaire, Sint Eustatius, and Saba and grant expats access to private hospitals and clinics. Without private health insurance, expats are left to pay for their healthcare out of pocket, which can add up quickly.
Private health insurance can cover a variety of healthcare services, such as:
- Inpatient and day patient treatment
- Surgical costs
- Physician visits
- Mental health treatment
- Vaccinations
- Prescription drugs
- Medical evacuation and repatriation
- Repatriation of remains
- Dental and vision coverage
- Maternity coverage
Medical evacuation coverage is of special importance for expats in Bonaire, Sint Eustatius, and Saba and the rest of the Caribbean, as the local medical facilities may not have the staff or resources available for certain medical emergencies or illnesses.
Medical evacuation coverage can cover the cost of transporting you to a different medical facility for treatment, whether by air ambulance or by seacraft.
Expats in Bonaire, Sint Eustatius, and Saba can secure a private health insurance policy through an international or local insurance provider. International insurance providers offer the benefit of globally portable coverage, so you can visit all of the Caribbean islands and stay protected.
Best International Health Insurance Providers in Bonaire, Sint Eustatius, and Saba
The best private insurance providers for expats in Bonaire, Sint Eustatius, and Saba are offered by international health insurance providers Allianz, April International, AXA, Cigna Global, and Bupa. We will share a brief overview and highlight these providers’ plans in the following sections.
If you’d like to learn even more about the top international health insurance providers, check out our article guide here!
Allianz Health Insurance in Bonaire, Sint Eustatius, and Saba
Allianz offers comprehensive insurance plans in the BVI to fit a variety of expats’ needs. Riders are available to be purchased and attached to basic policies that Allianz provides. These riders can offer coverage for accidents and other risks that expats may face abroad.
The plans offered by Allianz include the Care, Care Plus, and Care Pro plans. While each of these plans may differ in coverage limits and benefits, they share similar benefits as listed below:
- Inpatient costs
- Diagnostics and laboratory tests
- Surgeries
- Ambulances transport
- Cancer treatment
April International Health Insurance in Bonaire, Sint Eustatius, and Saba
April International is a leading international insurance provider that offers affordable, comprehensive coverage to expats in Bonaire, Sint Eustatius, and Saba.
They offer their health benefits to expats in different tiers of coverage through their Emergency Plan, Formule Basic, Essential Plan, Comfort, and Premium Plan.
April International offers a variety of benefits in its plans, including:
- Inpatient treatment
- Outpatient treatment
- Emergency repatriation
- Emergency evacuation
- Maternity coverage
- Vision and dental coverage
AXA Health Insurance in Bonaire, Sint Eustatius, and Saba
AXA is a leading international health insurance provider that insures expat individuals and families in Bonaire, Sint Eustatius, and Saba. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.
Each of these plans includes comprehensive inpatient coverage, with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.
The core benefits included in all five plans are:
- Hospitalization and surgery
- Emergency medical coverage
- Medical evacuation and repatriation
- Cancer treatment
- Diagnostic scans
Cigna Global Health Insurance in Bonaire, Sint Eustatius, and Saba
Cigna provides flexible insurance plans to expats in the Virgin Islands and across the world. They offer their members 24/7 access to a customer care team and access to any of Bonaire, Sint Eustatius, and Saba’ private healthcare facilities. Their plans are customizable and comprehensive.
Cigna has a Silver, Gold, and Platinum plan with different levels of coverage. All three of these plans share several common key coverage benefits:
- Hospitalization
- Inpatient and outpatient services
- Cancer treatment
- Medical evacuation and repatriation
- Accidental death or total permanent disability compensation
Bupa Global Health Insurance in Bonaire, Sint Eustatius, and Saba
Bupa Global is a top international insurance provider for expats in Bonaire, Sint Eustatius, and Saba looking for comprehensive and customizable coverage. Bupa Global allows its members to seek second medical opinions if needed and requires no referrals for specialist visits.
Bupa Global offers three international health insurance plans in the islands: Bupa Select, Bupa Premier, and Bupa Elite. Bupa Select offers the most basic and affordable coverage, while Bupa Elite offers the most comprehensive coverage with an annual limit of around USD $4,761,300.
Bupa Global covers the following benefits in its plans:
- Inpatient treatment
- Cancer treatment
- Private hospital room coverage
- Medical evacuation coverage
- Health checks and screenings
Facts to Consider When Choosing Insurance in Bonaire, Sint Eustatius, and Saba
You should consider your budget, how long your trip is, and what your coverage needs are when choosing a health insurance plan for Bonaire, Sint Eustatius, and Saba. Considering these factors is an important step to finding the right insurance plan for you.
- Your Budget: You should understand how much you can afford in monthly or yearly premiums, but this doesn’t mean you should try to find the cheapest coverage possible. You should ensure that your health and finances will be adequately protected through the coverage limit you purchase.
- The Length of Your Trip: How long your trip is will determine how long you will need to purchase coverage, and whether you will need a travel insurance plan that will last only a few months or something more comprehensive, like an international health insurance plan.
- Your Coverage Needs: Do you plan on needing outpatient care for your time in Bonaire, Sint Eustatius, and Saba? Or preventative care? Take the time to determine where you may need additional medical support to ensure you have the right coverage for your health needs.
Health and Safety Tips for Expats and Travelers in Bonaire, Sint Eustatius, and Saba
Expats and travelers can stay safe in the BES islands by protecting their belongings, keeping an eye on the weather forecast, practicing sun and swimming safety, and avoiding bug bites. We will expand on these tips below.
- Protect Your Belongings: While crime is low in the BES islands, some pickpocketing and other petty crimes can occur. Keep your valuables secure and out of sight, and avoid isolated areas after dark.
- Listen to the Weather Forecast: Hurricanes can visit the BES islands, so it’s important to listen to the weather forecast and watch out for any tropical storms.
- Practice Sun and Swimming Safety: Wear sunscreen and reapply every two hours to protect yourself from harmful UV rays, and swim only in designated swimming areas. Don’t dive into shallow water, and avoid swimming in freshwater.
- Prevent Bug Bites: Expats can avoid bug bites by using recommended mosquito repellents (containing 20% or more DEET), wearing long loose clothing, and sleeping under mosquito nets. The Zika virus and dengue are risks in the BES islands, so preventing bug bites is essential.
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Conclusion:
Private health insurance in Bonaire, Sint Eustatius, and Saba can offer expats peace of mind while keeping them financially protected on the islands. Patients are often referred off-island for medical treatment, making private health insurance with global coverage a must.
Expats can find coverage for medical emergencies through international health insurance plans. Pacific Prime is partnered with a wide variety of global health insurance providers, and can help you find the best fit for your needs.
As a global health insurance broker who specializes in expat health insurance, Pacific Prime can offer a wealth of professional expertise and services. Our tailor-made policies suit every budget and health care need for expats and travellers across the world.
Contact Pacific Prime to discuss, free of charge, a range of health insurance services available for you, your loved ones, or your group. To get a no-obligation, free price comparison quote, visit our website today!
Frequently Asked Questions:
What is the best international health insurance for Bonaire, Sint Eustatius, and Saba?
The best international health insurance plan for Bonaire, Sint Eustatius, and Saba will depend on your healthcare needs and budget. Popular international health insurance providers for the BES islands include companies like Cigna Global, AXA, Allianz Care, and others.
Do Bonaire, Sint Eustatius, and Saba have a hospital?
There are hospitals in Bonaire, Sint Eustatius, and Saba. Each country has one major hospital with a variety of other healthcare clinics. Hospitals provide primary and secondary care, but often aren’t equipped to handle complex medical cases.
Does private health insurance cover emergency evacuation in Bonaire, Sint Eustatius, and Saba?
Private health insurance plans usually cover medical emergency evacuation, but not always. The exact coverage you receive with your health insurance plan will depend on the policy chosen and your provider.
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