Health Insurance in Mexico for Foreigners & Expats

Mexico is an attractive destination for many expats due to its warm climate, beautiful scenery, and friendly people. For many, moving to a foreign country can be overwhelming, especially when it comes to healthcare. However, in Mexico, expats can rest assured that they are in good hands.

The country has excellent healthcare providers, and many locals speak English, making communication easier for non-Spanish speakers. In this post, we will discuss why health insurance in Mexico for expats is one of the best in the world.

We will also delve into the cost of healthcare services in the country and identify policies and insurance providers that work well with expats and immigrants.

Medical Insurance for Expats In Mexico

When choosing the best health insurance in Mexico for foreigners, one major thing to consider is where you can receive medical treatment given your insurance limitations, whether in a public or private hospital. Although any local insurance program can cover immediate care, a global health insurance plan not only guarantees immediate care but also equips you with options of getting it from the best treatment centers in Mexico.

It is important to note that access to some of the better private hospitals in Mexico will be limited or not at all available. Public hospitals are often crowded, and the primary language spoken will be Spanish.

Waiting periods can be lengthy for non-emergency procedures. If you are getting local insurance (IMSS), some patients may be given more priority than expats due to membership level, and there might be limits or exclusion of coverage if you have certain pre-existing conditions. For medical assistance its advisable not to rely on this.

Best Expat Health Insurance in Mexico

Cigna Global and GeoBlue Xplorer are two leading providers for medical insurance coverage in Mexico. Cigna Global is the best-suited plan for all expats, as its wide range of flexible plans allows you to customize by selecting only the medical benefits that meet your specific coverage needs. Cigna Global is a private insurance company that is offered to most individuals depending on pre-existing conditions.

GeoBlue Xplorer plan is an excellent insurance option for U.S. citizens living in Mexico due to its flexibility in regards to choosing where to get medical care. That team at E&M Global believe GeoBlue to be the best international health insurance plan. Before going to Mexico and seek medical treatment get private healthcare insurance.

The Best Health Insurance in Mexico for Expats

Cigna Global health and private medical insurance plan offers expats in Mexico a wide range of plans, excellent service, and a variety of coverage options to suit the specific needs of clients. Cigna Global's international medical insurance plan for Mexico is a perfect option for a few reasons. Clients like the modular plan design, which allows you to select certain benefits you want to be covered and not pay for services you don't need.

Aside from ensuring excellent service, Cigna Global is partnered with over 125 of the best medical facilities, companies, and hospitals in Mexico. All foreign nationals are eligible to apply, regardless of age.

That team at E&M Global believe Cigna/GeoBlue to be the best international health insurance plan. Both offer excellent private medical insurance plans for those seeking health insurance.

The Best Health Insurance in Mexico for U.S. Citizens

As the two countries are very close, U.S. citizens may opt to just have their medical care back in the U.S. In that case, purchasing the GeoBlue Xplorer Global Medical Plan is best since it entitles you to up to 9 months of medical benefits in the U.S., in addition to medical coverage anywhere in the world. However, if you prefer to receive care in Mexico, you can choose to exclude U.S. coverage for medical treatments from your plan, and this will save you up to 50% on your monthly premium.

The Cheapest Health Insurance Plan in Mexico

IMG Global Medical offers different affordable insurance plans for foreigners living abroad. Their Bronze plan is the cheapest and provides coverage primarily for catastrophic and emergency medical care. Their Gold and Platinum plans offer more comprehensive coverage for reasonable rates as well.

The Cost of Health Insurance in Mexico

For foreigners living in Mexico, the average cost of a comprehensive health insurance plan is $5,900 per year. However, most U.S. citizens also purchase additional coverage in the U.S., which increases the overall cost. It's important to note that the cost of health insurance in Mexico can vary depending on factors such as age, health history, and the extent of coverage desired. It's also important to research and compare different insurance providers and plans to ensure that you are getting the best value for your money. Additionally, some employers in Mexico offer health insurance coverage as a benefit to their employees, which can help reduce the cost for individuals and families.

n addition to IMSS, there are also other government-funded programs in Mexico that provide health coverage to eligible individuals, such as the Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado (ISSSTE), which is available to government workers and their families, and the Seguro Popular, which offers free or low-cost medical care to those without formal employment.

Private Health Insurance in Mexico

Private health insurance in Mexico is also available for those who can afford it. Many Mexican insurance providers offer comprehensive health plans that cover medical care, hospitalization, surgery, and other medical expenses. Some popular private insurance providers in Mexico include GNP Seguros, MetLife Mexico, and Seguros Monterrey New York Life.

Private health insurance in Mexico can be expensive, especially for expats, and it is important to carefully research and compare different private healthcare plans and providers before choosing a policy. Some private insurance plans may have limitations on coverage for pre-existing conditions, and may also require a waiting period before coverage takes effect.

The Mexican Healthcare System

The Mexican healthcare system is divided into two main sectors: public and private. The public sector is the largest and serves the majority of the population, while the private sector provides services to those who can afford to pay for them. Private clinics are an important part of the Mexican healthcare system and offer a range of services to patients, including specialized treatments and procedures that are not available in public facilities. Health insurance plans are also available for those who can afford them, and they provide access to private clinics and hospitals as well as direct access to specialists.

Direct access is an important feature of the Mexican healthcare system and allows patients to seek care directly from specialists without a referral from a primary care physician. This is particularly important for patients with complex medical conditions who require specialized care. In addition to direct access, telephone support is also available for patients who need medical advice or assistance outside of regular office hours. Overall, while the Mexican healthcare system faces challenges such as limited resources and unequal access to care, it provides a range of options for patients seeking care, including private clinics, health insurance plans, direct access private doctors, and telephone support. Its best for expat health insurance to seek benefits from international health insurance companies and not rely on Mexican Health Insurance.

Benefits of Health Insurance for Expats in Mexico

Having health insurance as an expat in Mexico can provide peace of mind and financial security in the event of unexpected medical emergencies or expenses. With the right insurance plan, expats can access quality medical care in Mexico without worrying about the high cost of treatment.

Health insurance also provides a safety net for those who may need emergency medical care or hospitalization while living in Mexico. Without insurance, medical bills can quickly add up and become a significant financial burden.

Furthermore, some insurance plans may offer additional benefits such as coverage for prescription drugs, dental care, and mental health services. These benefits can be especially valuable for expats who may have limited access to these services in Mexico.


In conclusion, health insurance is an essential consideration for expats living in Mexico. While the country is generally welcoming to foreigners and has a good public healthcare system here, access to quality medical care may be limited without insurance.

There are several health insurance options available to expats in Mexico, including local insurance programs, private insurance plans, and global health insurance policies. Each option has its own advantages and limitations, and it is important to carefully research and compare different plans and providers before choosing a full insurance policy.

With the right health insurance plan, expats can have peace of mind knowing they have access to quality medical care and financial protection in the event of unexpected medical expenses. For a quote on health insurance for expats or foreigners give us a call at 561-637-8162.

E&M Global Insurance takes the worry out of insurance challenges for foreign investors, expatriates and students.
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