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International Health Insurance for Expats in Honduras
Expats can purchase international health insurance for their time in Honduras to protect them from unexpected illnesses or accidents. Honduras’ public healthcare system is not as high quality as many Western countries, so it’s recommended that expats secure a private health insurance plan.
Are you an expat planning a trip or a move to Honduras? If so, you’ll want to secure an international health insurance plan before you go. This guide from Pacific Prime will help answer all your questions regarding health insurance in Honduras.
We will also share key insights into the healthcare system in Honduras and recommended health insurance plans and providers. Keep reading to learn more!
Recommended International Health Insurance Plans for Expatriates Living in Honduras
Expats living in Honduras should purchase international health insurance to cover their healthcare costs as there is no public insurance that covers foreigners. Without health insurance, you could be left to pay expensive medical bills completely out of pocket.
You could purchase a local Honduras health insurance plan, but this type of plan will limit your coverage to care received inside of Honduras, and reliable access to care has been an issue inside of the country over the past years.
It is important that you secure an international private medical insurance plan if you are an expat in Honduras due to the unique features such a plan offers, including emergency evacuation and repatriation benefits, as well as comprehensive inpatient and outpatient coverage in any country.
Honduras Healthcare System
The healthcare system in Honduras is comprised of a public and private sector, with the Ministry of Health responsible for providing public health services to the population. However, a portion of the population has none to limited access to healthcare in the country.
As poverty is a serious issue in Honduras, many medical facilities lack adequate technology and staff. Public healthcare is inaccessible in rural areas, and primary healthcare is insufficient.
While the Honduran government may be working to develop their healthcare system, many expats may still find it lacking by their home country’s standards. For this reason and others, having a private health insurance plan can be valuable.
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Health Insurance Options in Honduras for Expats
Expats can choose to purchase private health insurance for their time in Honduras, as there is currently no public health insurance scheme that covers foreigners. Private health insurance can be purchased through international health insurance plans and short-term health insurance plans
Private Insurance in Honduras for Expats
International health insurance and short-term health insurance can both provide comprehensive medical coverage and financial protection for expats in Honduras. The main difference between the two plans is the length of the policy, as international health insurance is typically more long term.
Are you planning on only being in Honduras for 3 to 6 months? Short-term health insurance could be the right choice for you. Check out travel medical insurance policies offered by Pacific Prime to see the options available for you.
If you’re planning on being in Honduras for a year or longer, a comprehensive international health insurance policy can offer the right coverage for your needs. We will discuss the top recommended providers and plans below.
Best Private International Insurance Providers for Expats in Honduras
The best private international insurance providers for expats in Honduras include Cigna, Bupa Global, Allianz, and AXA. Each of these providers offer comprehensive plans that can offer expats flexible healthcare solutions for their time in Honduras.
Cigna Global Insurance Plans for Honduras
Cigna provides flexible insurance plans to expats in Honduras with 24/7 access to a customer care team and access to any private hospital and clinic. Cigna has a Silver, Gold, and Platinum plan with different levels of coverage and limits.
All three of these plans share several common key coverage benefits:
Some additional coverage that can be added to these plans are:
- Dental and vision benefits
- Evacuation and Crisis Assistance PlusTM
- Outpatient services
- Health and wellbeing services
Allianz Care Insurance Plans for Honduras
One of the largest international health insurance providers on the market today, Allianz Care, offers expats in Honduras comprehensive and customizable coverage. The main three plans they offer expat individuals and families are Allianz Care, Allianz Care Plus, and Allianz Care Pro plans.
Some of the core benefits shared by the three plans are:
In addition to their core Care plans, they also offer additional add-on plans to further your coverage. These plans include their Out-Patient Plan, Dental Plan, Repatriation Plan, and Maternity Plan. These plans offer important additional treatment coverage for expats in Honduras.
AXA Health Insurance Plans for Honduras
AXA is an international health insurance provider that insures expat individuals and families in Honduras. They offer comprehensive health insurance plans in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.
The core benefits included in all five plans are:
The more inclusive plans, Prestige and Prestige Plus, offer these valuable additional benefits:
- Routine pregnancy care
- Annual health checks
In addition to these medical benefits, AXA offers other important services to their members with each of their five plans. This includes 24/7 personal support, claims repaid within 48 hours, second medical opinions, and virtual doctor services.
Honduras Travel Tips for Expats
Some of the best safety travel tips for expats in Honduras include having your vaccines up to date, not walking alone at night, knowing where the best medical facilities are, and more. We will discuss more of these safety tips below.
- Don’t Walk Alone at Night: Honduras has been known for its high rates of violent crimes, so expats should not walk alone at night and should keep to safe areas with plenty of people. Be vigilant and stay aware of your surroundings.
- Have Your Vaccines Up to Date: The CDC (Centers for Disease Control and Prevention) recommends travelers to Honduras get up to date on their routine vaccines before their trip. They also recommend vaccines against Malaria, Typhoid Fever, and Yellow Fever.
- Know the Best Medical Facilities: Some of the best medical facilities in Honduras are the CEMESA medical facility in San Pedro Sula and the Honduras Medical Center in Tegucigalpa.
- Look Out for Pickpockets: Pickpocketing and stealing in Honduras is common, so keep your wallet and purse on your body at all times.
For more information about traveling to Honduras, the Honduras health insurance plans that we offer, or to get a free plan comparison and price quotation, please contact us today.
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