Bhutan Health Insurance for Expats

International Health Insurance in Bhutan for Expats

Expats are strongly recommended to purchase international health insurance for their time in Bhutan to safeguard their health and their finances. There are a few public hospitals that offer free healthcare to expats in the country, and the standards of care can be low quality.

International health insurance offers global coverage, customizable plans, and peace of mind to expats in Bhutan. Whether your stay in Bhutan is for the short term or the long term, the insurance experts at Pacific Prime have you covered with a wide selection of plans.

The guide by Pacific Prime below provides useful information about healthcare and insurance in Bhutan, as well as health insurance options for expats living there. Read on to learn more, or click here to obtain a no-obligation, free quote.

Recommended International Health Insurance Plans for Expatriates Living in Bhutan

The Healthcare System in Bhutan

The healthcare system is run by the Ministry of Health and provides free universal health care for all Bhutan citizens. There is practically no privatization of any physicians or clinics, except for one private health clinic in the capital, Thimphu.

For private healthcare, patients will have to be transported to better medical facilities in India and Thailand if they wish to receive treatment for complicated conditions. It is difficult to find medical care beyond basic health services outside the major urban areas.

Public Healthcare in Bhutan

Bhutan's public healthcare system is predominantly financed and managed by the government, ensuring free access to basic health services for all citizens. This commitment is enshrined in the Constitution, which mandates the provision of both modern and traditional medical treatments.

Healthcare services are delivered through a network of hospitals, basic health units (BHUs), and outreach clinics. As of recent reports, the country operates 31 hospitals, 178 BHU clinics, and 654 outreach clinics, providing maternal and child health services in remote communities.

Bhutan's healthcare system emphasizes primary health care (PHC), aiming to provide universal access to a comprehensive package of services. The PHC scheme covers almost 90% of the population within two hours of travel distance, reflecting the country's commitment to equitable healthcare access.

Here are some of the leading public hospitals in Bhutan:

• Jigme Dorji Wangchuck National Referral Hospital (JDWNRH): Located in Thimphu, this 350-bed hospital serves as the national referral center, offering specialties such as general medicine, surgery, orthopedics, psychiatry, dermatology, gynecology, and pediatrics.
• Mongar Regional Referral Hospital: Situated in eastern Bhutan, this tertiary multi-specialty institution provides preventive, promotive, curative, and rehabilitative healthcare, serving as a regional referral hospital and technical backup center for eastern districts.
• Gelephu Central Regional Referral Hospital (CRRH): Located in Gelephu, Sarpang, this 100-bed government hospital treats a wide range of diseases and serves as a regional referral center for the southern region.
• Phuentsholing General Hospital: Serving the Phuentsholing area, this hospital provides general healthcare services to the local population.
• Dagapela Hospital: Located in Dagapela, this hospital offers healthcare services to the surrounding communities.

Private Healthcare in Bhutan

Bhutan's healthcare system is predominantly public, with the government providing free universal healthcare to its citizens. Private healthcare facilities are minimal, with only a few private diagnostic centers and clinics operating in the country.

Reasons for limited private care in Bhutan are listed below:

• Government Policy: The National Health Policy of 2011 prohibits the privatization of healthcare services, ensuring that healthcare remains a public good accessible to all citizens.
• Universal Healthcare Commitment: Since the 1970s, Bhutan has offered free universal healthcare, aiming to provide equitable access to medical services across the country.
• Focus on Public Health Infrastructure: The government has invested in developing public health facilities, including hospitals and Basic Health Units (BHUs), to serve the population's needs.
• Limited Private Sector Involvement: While there are a few private diagnostic centers and clinics, such as the Menjong Diagnostic Center in Thimphu, the overall presence of private healthcare providers is minimal.
• Equity and Accessibility Concerns: The emphasis on public healthcare aims to prevent disparities in access to medical services, ensuring that all citizens receive care regardless of their economic status.

Access to Medical Facilities for Expats

Expats can access medical facilities in Bhutan by visiting any public clinic or hospital. Jigme Dorji Wangchuck National Referral Hospital treats expats and tourists for free, but most public hospitals will not. Without a private health insurance policy, expats will pay out of pocket.

Most healthcare facilities will be closer to urban areas, leaving rural areas without adequate healthcare access. Expats spending most of their time in rural Bhutan should take care to select an international health insurance policy that covers medical evacuation.

This will ensure that they are taken to the closest adequate healthcare center in the case of a medical emergency.

Health Insurance Options for Expats in Bhutan

Expats have the option of purchasing international health insurance for their time in Bhutan. Expats looking to stay long term in Bhutan should purchase an international health insurance policy, while those only visiting short term can purchase travel insurance.

Private Health Insurance for Expats in Bhutan

International health insurance plans offer expats in Bhutan a wide selection of customizable benefits and global coverage. Plans can be tailored to fit expats’ needs according to their lifestyle and situation, and expats can choose coverage options based on factors like age and health.

Here are key considerations for private health insurance for expatriates in Bhutan:

• Limited Local Private Insurance Options: Bhutan's domestic insurance offerings are primarily designed for citizens and may not meet the comprehensive needs of expatriates.
• International Health Insurance Plans: Given the limited local options, expatriates are advised to obtain international health insurance policies that offer coverage both within Bhutan and abroad.
• Emergency Evacuation Coverage: Due to Bhutan's limited advanced medical facilities, having insurance that covers medical evacuation to neighboring countries like India is crucial. This ensures access to specialized care when necessary.
• Global Coverage for Frequent Travelers: Expatriates who travel frequently should consider international health insurance plans that provide worldwide coverage, ensuring access to healthcare services across different countries.
• Customizable Plans: Many international insurers offer customizable plans to suit individual needs, including options for families, comprehensive inpatient and outpatient care, dental and optical coverage, and more.

Travel Insurance for Visitors in Bhutan

Expats visiting Bhutan on vacation or other short-term travel can use a travel insurance policy to protect them from specific financial risks and losses that may arise during their trip. These losses may include lost luggage, canceled flights, and emergency medical services.

The right travel insurance will depend on your budget, your planned activities, and your specific health needs. Additionally, travel insurance can offer medical emergency coverage and medical evacuation. This is especially necessary for expats in rural Bhutan without adequate healthcare access.

International Health Insurance Providers for Expats in Bhutan

International insurance providers like Cigna, AXA, Allianz, April International, and others offer a wide range of coverage options for expatriates in Bhutan. Below, we will discuss each provider and provide a summary of the features offered by each plan.

Cigna Global Insurance Plan

Cigna offers global health plans with different tiers (Silver, Gold, and Platinum) that cover services such as hospitalization, inpatient and day-patient treatments, emergency evacuation, and preventive care. This flexibility makes Cigna a preferred option for those needing adaptable coverage.

Some examples of shared coverage by all Cigna insurance plans include:

AXA

AXA Global provides various levels of customizable coverage, including options for hospitalization, outpatient treatments, emergency care, and medical evacuation. AXA’s plans are popular among expats for their flexibility, with coverage for a wide range of health services across multiple levels.

Some examples of shared coverage by all AXA insurance plans include:

Allianz

Allianz offers international insurance plans that can cover hospitalization, surgeries, diagnostics, and outpatient care. Expats in Bhutan can add riders for dental and optical services to any basic plan, providing a tailored insurance experience that accommodates different health needs.

Some of the basic coverage for their plans includes:

April International

April International specializes in health insurance for expats, offering plans that cover hospitalization, outpatient services, dental, and maternity. Known for user-friendly mobile claims and support, April International also has a 24/7 telemedicine service and a vast direct billing network.

Some of the shared coverage across their plans are:

Additional Private Health Insurance Benefits and Coverage

Many insurance providers allow expats in Bhutan to enhance their benefits by opting for additional coverage options. These may include services such as dental, optical, maternity, and more.

• Dental: Additional benefits can cover dental check-ups, cleanings, and major dental procedures.
• Maternity and family coverage: Expats planning to start or expand their families can tailor international health insurance plans to include coverage for prenatal care, childbirth, postpartum care, and additional benefits for newborns.
• Preventive care: Certain plans offer regular health checkups, screenings, vaccinations, and wellness programs, aiding expats in maintaining their well-being during their adventures abroad.

Pre-existing Conditions

Expats in Bhutan with pre-existing conditions may have more limited choices when purchasing an international insurance policy, but viable solutions exist. Options include selecting a plan with a pre-existing condition exclusion, a moratorium, or coverage with loading.

• Exclusion: Choosing a plan with an exclusion means that the insurer won't reimburse the policyholder for medical bills related to the pre-existing condition.
• Moratorium: In this scenario, the insurance company provides health coverage but excludes pre-existing conditions. Instead, there is a waiting period, typically around 24 months, during which the company assesses the pre-existing condition before deciding on coverage.
• Coverage with loading: Some insurance companies may offer coverage for pre-existing conditions but at higher premiums. It's important to note that not all pre-existing conditions qualify for this type of coverage, and not all insurance providers offer this option.

Factors to Consider When Choosing Health Insurance in Bhutan

When selecting health insurance as an expat in Bhutan, it's crucial to ensure your plan meets specific needs due to the country’s limited healthcare infrastructure. Opt for comprehensive coverage that includes inpatient, outpatient, and emergency services, with provisions for medical evacuation.

• Comprehensive Coverage: Includes inpatient, outpatient, and emergency services, with provisions for medical evacuation, as serious conditions often require treatment abroad.
• Pre-existing Conditions: Understand how insurers handle these, including potential waiting periods, premium adjustments, or exclusions.
• International Coverage: Essential for frequent travelers, offering worldwide coverage, emergency evacuation, and repatriation services.
• Cost-sharing Mechanisms: Review co-pays, deductibles, and benefit limits to assess potential out-of-pocket expenses.
• Claims and Support Services: Opt for insurers with a streamlined claims process, support in your preferred language, and direct billing options to minimize financial strain.

Health and Safety Tips for Foreigners in Bhutan

Foreigners visiting Bhutan can stay safe by taking great care on the roads, avoiding bug bites, and ascending slowly when hiking. Bhutan is known worldwide for its happy population, so crime stays low, but there are other risks to be aware of.

When traveling or residing in Bhutan, it's essential to be aware of health and safety considerations to ensure a secure and enjoyable experience. Here are key tips to keep in mind:

• Emergency Contacts: Familiarize yourself with local emergency numbers. In Bhutan, dial 112 for medical emergencies, 110 for fire and rescue services, 111 for traffic police, and 113 for police assistance.
• Healthcare Access: Basic healthcare is available in urban centers like Thimphu and Paro, with the Jigme Dorji Wangchuck National Referral Hospital in Thimphu being a primary facility.
• Vaccinations: Ensure that your routine vaccinations are up to date. Consult with a healthcare provider about vaccinations for hepatitis A, typhoid, and other region-specific diseases before traveling to Bhutan.
• Altitude Sickness: Many areas in Bhutan are at high altitudes, which can pose risks of altitude sickness. Symptoms include headaches, dizziness, and nausea. Acclimatize gradually and consider consulting a healthcare professional for advice on preventing altitude sickness.
• Food and Water Safety: While larger towns may have safe drinking water, it's recommended to drink bottled or boiled water, especially in rural areas. Be cautious with street food and ensure that meals are well-cooked to prevent foodborne illnesses.
• Personal Medications: Carry an adequate supply of any personal medications, as specific brands or formulations may not be readily available in Bhutan. It's also wise to bring a basic travel health kit for minor ailments.
• Road Safety: Road conditions in Bhutan can be challenging, with mountainous terrain and narrow roads. During monsoon seasons, landslides and road blockages are common.
• Natural Disasters: Bhutan is prone to natural disasters such as earthquakes and landslides. Stay informed about local weather conditions, especially during the monsoon season, and familiarize yourself with emergency procedures.
• Cultural Sensitivity: Bhutan has rich cultural traditions. Dress modestly, respect local customs, and be mindful of cultural norms to ensure positive interactions with local communities.
• Legal Considerations: The use or possession of illegal drugs is strictly prohibited and can result in severe penalties, including imprisonment.

Frequently Asked Questions

Do I need health insurance for Bhutan?

An important reason expats need health insurance during their time in Bhutan is for medical evacuation coverage. Rural Bhutan has very limited access to medical facilities, and it is common for expats to have to be flown to a neighboring country for treatment.

How much does international health insurance cost?

International health insurance ranges in price based on factors like age, health, countries included in areas of cover, and more. For a closer look into international health insurance prices, check out Pacific Prime’s guide on the topic.

Conclusion

Expats can enjoy Bhutan with peace of mind when they purchase an international health insurance policy. With global coverage and customizable benefits, these plans will aid expats during their time in Bhutan and across the world.

Pacific Prime has over 20 years of experience in providing insurance solutions across the globe. We are one of the world’s leading global insurance brokerages and have extensive experience in helping expats find plans that fit their needs at a price right for them.

We guarantee impartial advice that is only a click away. We also offer a complimentary free quote that will allow you to compare prices across plans. Visit our website today to learn more!