International Health Insurance for Expats in Sint Maarten
International health insurance is recommended to expats and foreigners in Sint Maarten due to the country’s remote location and the possibility of medical evacuation while on the island. With international health insurance, expats can enjoy peace of mind while they experience the Dutch territory.
Are you an expat travelling to Sint Maarten? Are you unsure which health insurance plan is the best fit for your time abroad? This guide from Pacific Prime will answer all your questions about Sint Maarten international health insurance and more.
We will also discuss the healthcare system on the island, expat health insurance options, safety tips, and other similar topics. Keep reading to learn more, or click here for a free health insurance quote from a variety of providers!
Recommended International Health Insurance Plans for Expatriates Living in Sint Maarten
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 Sint Maarten
Sint Maarten’s healthcare system has high medical standards, with both public and private healthcare facilities. As part of the Kingdom of the Netherlands, Sint Maarten’s healthcare system is modeled after the mainland Netherlands.
Sint Maarten is an island divided between the French and the Dutch, with the French side of the island named Saint Martin. There are only two hospitals on the island, one on the French side and one on the Dutch side.
Sint Maarten Hospitals and Clinics
Address: 30 Welgelegen Rd, Sint Maarten
Phone: +1 721-543-1111
The Sint Maarten Medical Clinic (SMMC) provides patient-focused care on the island with a variety of medical services. They provide both inpatient and outpatient care to expats and locals, with some of the specialties they offer being:
- Ear, nose, and throat
- Urology
- Nephrology/dialysis
- Pulmonology
- Cardiology
- General surgery
- Internal medicine
- Pediatrics
- Psychiatry
- Obstetrics and gynecology
- And more
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Health Insurance Options in Sint Maarten for Expats
The best option for expats in Sint Maarten is private health insurance, as it offers the most comprehensive and customizable coverage while on the island. The other option for health insurance is the public health insurance, which expats may qualify for only if they meet certain conditions.
Public Health Insurance in Sint Maarten for Expats
Expats may qualify for the public health insurance in Sint Maarten, the Sociale Ziektekostenverzekeringsfonds (SZV). This insurance is also known as the Sickness Insurance Fund and covers hospitalization costs, medications, and a variety of other medical services.
Expats may qualify for the SZV if they meet the following requirements:
- They are legally residing in Sint Maarten (must be on the Dutch side, not the French)
- They are employed by a local company that is registered with and paying into the SZV
- Their gross monthly income is below the SZV wage limit
- Their employer registers them for the SZV health insurance
Expats living in Sint Maarten who are self-employed or who make over the wage limit will not be eligible for the SZV and will need to purchase their own private health insurance.
Private Health Insurance in Sint Maarten for Expats
Private health insurance can help cover the cost of healthcare services in Sint Maarten 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 Sint Maarten 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 Sint Maarten 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 Sint Maarten
The best private insurance providers for expats in Sint Maarten 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 Sint Maarten
Allianz offers comprehensive insurance plans in Sint Maarten 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 Sint Maarten
April International is a leading international insurance provider that offers affordable, comprehensive coverage to expats in Sint Maarten.
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 Sint Maarten
AXA is a leading international health insurance provider that insures expat individuals and families in Sint Maarten. 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 Sint Maarten
Cigna provides flexible insurance plans to expats in Sint Maarten and across the world. They offer their members 24/7 access to a customer care team and access to any of Sint Maarten’ 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 Sint Maarten
Bupa Global is a top international insurance provider for expats in Sint Maarten 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 Picking Insurance in Sint Maarten
You should consider your budget, how long your trip is, and what your coverage needs are when choosing a health insurance plan for Sint Maarten. 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 Sint Maarten? 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 Sint Maarten
Expats and travelers can stay safe in Sint Maarten by practicing sun and water safety, knowing emergency numbers, being cautious on the roads, and avoiding mosquito bites. We will cover these tips below.
- Practice Sun and Water 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.
- Know Emergency Numbers: For medical emergencies, expats in Sint Maarten can call 911. For an ambulance, they can call 912, and for the Coast Guard, they can call 913.
- Be Cautious on Roads: Travelers should practice caution while traveling through traffic in Sint Maarten and pay attention to their surroundings. Traffic in Sint Maarten can be crowded, as many roads are narrow and lack proper traffic signals.
- Avoid Mosquito Bites: A variety of mosquito-borne illnesses exist in Sint Maarten, so expats should wear proper clothing and mosquito repellent to ensure they stay safe from mosquitoes while on the island.
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Conclusion
Expats in Sint Maarten should secure their own private health insurance to ensure they stay protected while on the island. Even if they qualify for public health insurance, international health insurance can provide valuable supplemental coverage.
Are you ready to begin shopping for your international health insurance plan for Sint Maarten? Contact Pacific Prime to discuss, free of charge, a range of health insurance services available for you, your loved ones, or your group.
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.
To get a no-obligation, free price comparison quote, visit our website today!
Frequently Asked Questions
Does Sint Maarten have high-quality healthcare services?
Sint Maarten provides high-quality healthcare services to expats and locals on the island. The healthcare system is modeled after the Netherlands’ system, and provides a variety of inpatient and outpatient services. Complex medical cases are often sent to neighboring countries for treatment.
Will international health insurance protect me in Sint Maarten and the rest of the Caribbean?
International health insurance can be used across the globe, which means if you are protected in Sint Maarten, you will most likely be covered in the rest of the Caribbean. The exact details of your geographical coverage will depend on your plan and provider.
What is the best expat health insurance for Sint Maarten?
The best expat health insurance for Sint Maarten will depend on your budget, needs, and the length of your trip. Most expats find international health insurance through popular providers like Cigna Global, Allianz Care, and AXA work well for their needs.
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