Kyrgyzstan Health Insurance for Expats

International Health Insurance for Expats in Kyrgyzstan

Expats are highly recommended to secure an international health insurance plan for their time in Kyrgyzstan to offer them access to superior healthcare facilities. Expats will not be eligible for Kyrgyzstan's public health insurance, so purchasing their own plan is important.

Whether you're thinking about visiting or are already residing in Kyrgyzstan, securing the right health insurance plan can help cover medical costs while you're in the area. Pacific Prime can provide you with the ideal plan for your needs and your budget.

Click below to get a free quote or continue reading to find out more about health insurance in Kyrgyzstan.

Recommended International Health Insurance Plans for Expatriates Living in Kyrgyzstan

The Healthcare System in Kyrgyzstan

Kyrgyzstan's healthcare system is made up of both public and private sectors and is mainly governed by the Ministry of Health. Most primary healthcare facilities are public, with many specialists in the private sector.

While expats in Kyrgyzstan can access adequate medical services, the general level of healthcare within the country is poor. Travelers are strongly urged to consider securing an international health insurance policy before arriving in the country.

Even though visitors and expats can use the local facilities, an immediate cash payment in a secure currency may be required.

In the event of a serious accident or illness, especially in rural parts of the country, local medical services may not be capable of providing care other than immediate emergency services.

For more severe accidents and illnesses, an emergency evacuation may be necessary, which can be expensive. To avoid hefty medical bills, it's recommended that your Kyrgyzstan health insurance policy have a comprehensive emergency evacuation benefit.

Kyrgyzstan Public Hospitals

Kyrgyzstan's public hospitals are mostly found in larger urban areas, such as the capital, Bishkek. Many of Kyrgyzstan's public hospitals are more than 50 years old and have outdated diagnostic equipment and technology. For this reason and others, many expats opt for private care.

We have listed some of Kyrgyzstan's public hospitals below:

Infectious Disease Hospital

• Address: 70, Tolstoy Street, Bishkek
• Phone: +996 312 590154

National Center of Cardiology and Internal Medicine

• Address: 3, Togolok Moldo street, Bishkek
• Phone: +996 312 622764

National Center of Maternity and Childhood Care

• Address: 190 Akhunbayev St, Bishkek, Kyrgyzstan
• Phone: +996 312 492 369

Kyrgyzstan Private Hospitals

Private hospitals and clinics are more likely to offer expats in Kyrgyzstan updated technology and equipment. Like their public counterparts, they are mostly localized in Bishkek and urban areas.

Here are some private hospitals in Kyrgyzstan:

Bicard Cardio-Surgical Private Hospital

• Address: 2/1 Tynystanov Street, Bishkek
• Phone: +996 312 979688

Eldik Family Medicine Center

• Address: 2/1 Molodaya Gvardiya Blvd, Bishkek
• Phone: +996 312 652079

Health Insurance Options for Expats in Kyrgyzstan

Expats in Kyrgyzstan aren't eligible for the government's public health insurance, so they will need to provide their own private health insurance plans to keep their medical costs low. Private health insurance can do more than offer financial protection, as it can connect you to a global network.

Public Health Insurance in Kyrgyzstan

Kyrgyzstan has a mandatory health insurance system for its citizens and eligible residents called the Mandatory Health Insurance Fund (MHIF). The MHIF works under the Ministry of Health and pools public funds at the national level to pay for public hospital and primary care providers.

Private Health Insurance in Kyrgyzstan

Expats can purchase private health insurance for Kyrgyzstan and ensure financial protection against medical bills and easier access to the private healthcare system. Private health insurance also offers additional benefits such as medical evacuation coverage and dental and vision benefits.

Due to the quality of Kyrgyzstan's healthcare and the lack of accessible medical services in rural areas, expats are especially encouraged to secure their own private health insurance plans.

Private health insurance can be purchased through local or international health insurance providers. The benefit of choosing an international health insurance provider is a globally portable plan, which is especially of value to expats who plan to visit other countries frequently.

Best Private Insurance Providers for Expats in Kyrgyzstan

The best private insurance providers for expats in Kyrgyzstan are offered by international health insurance providers Cigna, AXA, and Allianz. We will share a brief overview and highlight these provider's plans in the following sections.

Cigna Global Health Insurance for Kyrgyzstan

Cigna provides flexible insurance plans to expats in Kyrgyzstan and across the world. They offer their members 24/7 access to a customer care team and access to any of Kyrgyzstan's and neighboring country's 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:

AXA Health Insurance for Kyrgyzstan

AXA is a leading international health insurance provider that insures expat individuals and families in Kyrgyzstan. 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:

Allianz Health Insurance for Kyrgyzstan

One of the largest international health insurance providers on the market today, Allianz offers expats in Kyrgyzstan 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 basic coverage for their plans includes:

Facts to Consider when Picking Insurance in Kyrgyzstan

Some of the most important factors to consider for your private international health insurance plan in Kyrgyzstan are your budget, your coverage needs, and any possible policy exclusions. Considering these factors is an important step to finding the right insurance plan for your time in Kyrgyzstan.

1. 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.
2. Your Coverage Needs: Consider if you will need outpatient or specialized care for your time in Kyrgyzstan. Do you suspect you will need more medical care soon? Take the time to determine where you may need additional medical support to ensure that you have the right coverage for your health needs.
3. Understand Plan Exclusions: Take the time to read the terms and conditions to understand what care or conditions could be excluded from your health insurance plan. You want to ensure that you are covered in all the areas you need, so you won't be caught unprepared in the case you need coverage.

Health and Safety Tips for Travelers in Kyrgyzstan

Expats can stay safe in Kyrgyzstan by avoiding the Tajikistan border, staying aware in downtown Bishkek, and taking care of themselves in higher altitudes. We will discuss more about these points below:

• Avoid the Tajikistan Border: The border with Tajikistan has the potential for violent clashes, and gun violence can happen with little warning. Expats should avoid this border at all costs.
• Staying Aware in Downtown Bishkek: Street crime is common in downtown Bishkek, especially at night. Pickpocketing and muggings are two risks that travelers face in Kyrgyzstan, and crime can turn violent. Stay safe by avoiding downtown at night and very crowded places.
• Taking Care in Higher Altitudes: Many of Kyrgyzstan's cities are at high altitudes, so take care of yourself by ascending slowly, and not consuming alcohol or doing any heavy exercise for the first 48 hours after arriving at a high elevation.

Frequently Asked Questions:

Is healthcare free for expats in Kyrgyzstan?

Healthcare is not free for expats in Kyrgyzstan, and unless they want to pay out of pocket for medical services, they should secure their own private health insurance plan before their trip.

How can international health insurance protect me in Kyrgyzstan?

International health insurance can protect you in Kyrgyzstan by providing valuable health benefits like hospitalization coverage, medical evacuation and repatriation coverage, and more. Without this coverage, you will be left to pay for any medical service you receive alone.

Conclusion: Compare Plans and Quotes Now

Expats in Kyrgyzstan can stay safe while abroad by securing a private health insurance plan. Kyrgyzstan's healthcare system is not to the same standard as many expats are used to, so having private healthcare options is important while you're in the country.

Ready to begin shopping for health insurance plans? Pacific Prime offers professional advice at no cost to you. No matter what your budget is or what your requirements are, our professional consultants can help find a policy that fits you or your group.

Our policies can cover a wide range of services including dental, maternity, inpatient services, and many more. Contact us today for a free consultation.