Colombia Health Insurance for Expats

International Health Insurance for Expats in Colombia

For expats, international health insurance is essential for accessing private care, ensuring coverage for unforeseen medical needs and specialist services. This insurance offers peace of mind with comprehensive benefits, including emergency evacuation and treatment at top facilities nationwide.

Colombia’s healthcare system offers a dual structure of public and private services. While the public system (EPS) is accessible, it often faces challenges like long wait times and variable quality, making private healthcare a preferred option for expats. 

International health plans guarantee reliable healthcare access regardless of location. Expats traveling to rural regions or coastal areas of Colombia benefit from coverage that bridges the gap where public services may be limited, thus offering a robust solution for healthcare needs.

Recommended International Health Insurance Plans for Expatriates Living in Colombia

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 $5,000,000

Plan Details Get a Quote

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

The Healthcare System in Colombia

Healthcare in Colombia is widely considered to be high quality and affordable. The country boasts modern facilities and advanced medical equipment, particularly in urban centers. Notably, 18 of Latin America's top 44 hospitals are in Colombia, making it an attractive option for expats.

Public Healthcare in Colombia 

The Entidades Promotoras de Salud (EPS) is Colombia's mandatory public healthcare system, which is accessible to residents, including expats holding a cedula (resident ID). EPS costs are income-based and typically account for 12.5% of one's gross income.

This system provides a network of physicians and hospitals throughout the country to ensure essential medical coverage. Tourists and short-term visitors are advised to have international health insurance to cover unexpected expenses.

Public Hospitals in Colombia

Public hospitals in Colombia are government-operated facilities that provide affordable healthcare services to the general public. These institutions often experience high patient volumes, leading to crowded conditions. Notable government hospitals in Colombia include:

• Hospital General de Medellín: This hospital offers 442 beds across a variety of specialties, including emergency care, intermediate care services, and critical care services for adults, children, and babies.
• Hospital del Tunjuelito: This hospital is located in Bogotá, Colombia and provides services across several specialties, whether you need radiology diagnostics or emergency care.

Private Healthcare in Colombia

Private health insurance offers enhanced benefits such as faster access to services, bilingual staff, and a wider range of treatment options. Although more expensive than EPS, it remains affordable compared to global standards.

Private health plans generally range from $350 to $900 annually, varying with age, coverage, and medical history.

Private Hospitals in Colombia

Private hospitals in Colombia offer a higher standard of care, featuring advanced medical technologies, specialized treatments, and more personalized services. While the cost is greater than that of public hospitals, many expats opt for private care due to the enhanced service quality. 

Some prominent private hospitals include:

• Fundación Valle de Lili: This hospital is often considered the best in Colombia. With a main office and four alternative branches, expats and visitors seeking top-tier private care can likely access care at Fundación Valle de Lili.
• Fundación Santa Fe de Bogotá: This institution focus on providing medical care while also doing research, and educating future medical professionals.
• Clínica Santa María: Providers at the Clínica Santa María provide comprehensive care to patients across their four centers plus their dental clinic.

Health Insurance Options in Colombia for Expats

The Sistema General de Seguridad Social en Salud (SGSSS) is Colombia’s national healthcare system, which provides care to legal residents through the EPS. Expats do not qualify for free public healthcare in Colombia, so they should purchase private insurance like international health insurance.

Public Insurance in Colombia

All legal Colombian residents are required to sign up for EPS. Expats do not have the same requirement. Those who want to sign up for public healthcare in Colombia must obtain a visa, such as a work visa; apply for an identification card; then sign up with EPS. 

Public healthcare in Colombia offers legal residents coverage for lab tests, diagnostic imaging, specialist visits, and medications. 

For more information on the healthcare system in Colombia, visit this Pacific Prime’s guide.

Private Insurance in Colombia 

Private health insurance in Colombia will appease you and your family by providing high-quality care, reducing wait times, widening choices of facilities and treatments, helping in emergency situations like medical evacuations, and removing the burden to pay out of pocket for medical treatment.

Before securing private health insurance, it is important to note that expats may be asked for proof of enrollment in the public system when seeking private healthcare. This is because private health insurance in Colombia ties in with the public health sector. 

Best Private Insurance Providers for Expats in Colombia

Some of the best private insurance providers for expats in Colombia are Allianz Care, AXA, and Cigna.

Allianz Care

Allianz Care offers three main plans for expats in Colombia: their Allianz Care plan, Allianz Care Plus plan, and Allianz Care Pro plan. Beyond the core benefits in these plans, Allianz offers add-on coverage for out-patient, dental, and maternity care as well as repatriation.

See the table below for an overview of Allianz’s plans:

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

Plan Details Get a Quote

AXA

AXA offers global health insurance to expat individuals and families in Colombia. Their plans include five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. These plans include comprehensive inpatient coverage and annual limits ranging from USD $160,000 to $8,000,000. 

All five plans include the following core benefits:

• Hospital charges and surgery
• Virtual doctor service
• Mind health service
• Emergency coverage
• Medical evacuation and repatriation
• Wide range of cancer treatment
• Ambulance transport
• CT, PET and MRI scans

Plan Details Get a Quote

Cigna

Cigna’s international insurance plans for expats in Colombia include their Silver, Gold, and Platinum plans. Each of these plans includes coverage for:

• Inpatient care
• Day-patient care
• Full cancer care
• Newborn care
• Private hospital rooms
• Hospital stays and treatments

Plan Details Get a Quote

Expats may also consider Cigna’s Close Care plan, which offers medical coverage in Colombia as well as the expat’s country of nationality. 

For a look at other top insurers for expats in Colombia, check out this Pacific Prime article.

Health and Safety Tips for Travelers in Colombia

Keep valuables hidden, learn basic Spanish, check ATMS for tampering, use taxi apps at night, be aware of fake police officers, secure proper insurance, and stay vaccinated to keep you and your family safe when traveling around Colombia.

Keep Valuables Hidden

The Colombian phrase ‘no dar papaya’ means don’t make yourself an easy target. Being streetwise means not flashing valuables or brands that may make you a victim of petty crime.

Learn Basic Spanish

Effective communication is crucial in Colombia. It builds confidence, helps you fit in, and reduces the chance of being taken advantage of as a foreigner. Conversing with locals also enhances your experience, allowing you to discover Colombia's rich culture and offerings more fully.

Many doctors in major cities like Bogotá, Medellín, and Cali are bilingual, easing the transition for non-Spanish speaking expats. Administrative staff may only speak Spanish, making proficiency in the language beneficial.

Check ATMs for Tampering

The best advice is to avoid taking out cash in places where it is dark, quiet, and neglected. Upon using an ATM, make sure to check that everything looks safe and normal. Visit ATMs secured at banks and notify staff if the keypad seems loose or misaligned.

Use Taxi Apps at Night

There are several Colombian taxi apps to use in cities like Bogotá, with the most popular being Tappsi and Cabify. Expats with young children will find the services to be safe and convenient, especially when traveling at night.

Be Aware of Fake Police Officers

Be cautious: no legitimate Colombian police officer should ever request to inspect your passport, money, or proof of address on the street. If approached, politely state that you prefer to resolve the matter at a police station, which can discourage further interaction.

By maintaining composure and expressing your intent, you can likely prompt them to leave without incident. This approach not only protects you but also reinforces your confidence while navigating unfamiliar situations in Colombia.

Secure Emergency Medical Evacuation Coverage for Your Trip

Most visits to Colombia are safe, but it's important to be aware of potential medical concerns. If you are making a trip into the jungle or have plans to explore the high altitudes of the Andes, it is best to secure an international health insurance plan that includes emergency medical evacuation.

If you or your family member develops a life-threatening medical problem that requires medical intervention that is unavailable in Colombia, then Miami, Florida, is just a short flight by plane or helicopter.

Stay Up to Date on All Vaccines and Medicines for Colombia

The CDC and WHO recommend the following vaccinations for Colombia: 

1. Hepatitis A 
2. Hepatitis B 
3. Typhoid 
4. Yellow fever 
5. Rabies 
6. Meningitis 
7. Polio 
8. Measles 
9. Mumps and rubella (MMR) 

Routine vaccinations should also be considered below:

1. Tdap (tetanus, diphtheria, and pertussis) 
2. Chickenpox 
3. Shingles 
4. Pneumonia 
5. Influenza

Seek medical advice from your local doctor or travel specialist and request further information and recommendations.

Frequently Asked Questions

What is the difference between public and private hospitals in Colombia?

Public hospitals in Colombia are government-funded and provide affordable healthcare services but face high patient volumes and longer wait times. Private hospitals offer advanced facilities, shorter wait times, more specialized services, and personalized care at a higher cost. 

Do I need health insurance as an expat in Colombia?

Having private health insurance is highly recommended but not mandatory for expats. International health insurance provides access to private healthcare facilities and  covers emergencies and unforeseen medical expenses​.

How can I find a good hospital in Colombia?

Expats can research hospitals online, read reviews, and consult with other expatriates or locals. Websites such as Expatica and local health directories can provide insights and comparisons of hospitals, including specialties and services offered.

Are private hospitals in Colombia significantly more expensive than public hospitals?

Private hospitals charge higher fees compared to public institutions. Many expats find the costs reasonable compared to their home countries, and the quality of care often justifies the expense​.

What should I do in a medical emergency in Colombia?

In an emergency, call 123 for immediate assistance. It's also advisable to know the nearest hospital and have your health insurance details handy. Many private hospitals have emergency departments equipped to handle urgent cases quickly​.

Can I use my international health insurance in Colombian hospitals?

Most private hospitals accept international health insurance. Check with your insurer about specific coverage details and whether the hospitals you choose are within their network. Always carry your insurance card and necessary documentation​.

Are there English-speaking doctors in Colombia?

Many doctors, especially in major cities like Bogotá and Medellín, speak English. It’s wise to verify language proficiency when selecting a healthcare provider to ensure clear communication​.

Conclusion

With almost two decades of extensive experience gained from across the globe, Pacific Prime can assist with any health insurance needs in Colombia. By leveraging our close relationships with major international insurers, we offer professional advice and free plan comparisons to our clients. 

No matter your budget or your requirements, our professional consultants can match you with a policy that best fits your needs. Our policies offer flexible coverage, even for dental, maternity, specialist consultation, health emergency transportation, and inpatient services. 

Expatriates with family members can also secure international cover for the whole family. For international students or travelers in search of international health insurance or travel insurance, Pacific Prime is the go-to insurance intermediary for the best impartial advice and guidance.

Contact us today for a free consultation!