Health Insurance for Expats in Sri Lanka

Sri Lanka offers a blend of public and private healthcare services, and while the public healthcare system is free for all, many expats and digital nomads opt for private health insurance to ensure access to higher quality services and private hospitals. Understanding the health insurance landscape is crucial for those moving to or living in Sri Lanka to ensure they have adequate coverage during their stay.

Health Insurance Companies in Sri Lanka

Several health insurance companies operate in Sri Lanka, offering a range of policies that cater to different needs and budgets. Popular insurers include Ceylinco Insurance, Sri Lanka Insurance Corporation, and Allianz Insurance Lanka Limited. These companies provide various health insurance products that are also accessible to expats. They offer plans that cover inpatient and outpatient treatments, emergency services, and sometimes even dental and optical care. Expats are generally eligible to purchase health insurance from these companies, which can provide a sense of security in case of medical emergencies or routine health care needs.

Expat Health Insurance in Sri Lanka

Expats living in Sri Lanka often buy specialized expat health insurance policies that are designed to meet their unique needs. These policies typically offer a broader range of coverage, including medical evacuation and repatriation, which can be important for those living far from their home countries. Some expats choose these plans for their flexibility, as they can provide coverage not only in Sri Lanka but also in other countries, which is beneficial for those who travel frequently or plan to move to another country in the future.

Local Health Insurance vs. Expat Health Insurance

When it comes to choosing between local health insurance and specialized expat health insurance, expats and digital nomads often weigh their options based on factors such as the length of their stay, their health needs, and their travel plans. Local health insurance plans may be more cost-effective for short-term stays or for those with limited healthcare needs. However, expats who require a higher standard of care, seek international coverage, or desire the convenience of English-speaking customer service often lean towards expat health insurance providers.

Considerations for Health Insurance Overseas

When deciding on health insurance while living overseas, it's important to consider the specifics of the policy. One key factor is the method of payment for medical services: some insurers have direct billing arrangements with hospitals and clinics, which means they will pay the bill directly. Others may require you to pay upfront and then submit claims for reimbursement, which can involve a waiting period. Additionally, consider the coverage limits, the network of hospitals, the process for filing claims, and whether the policy includes repatriation or evacuation services. These considerations will help ensure that you have the right coverage to meet your healthcare needs while living in Sri Lanka.

Expats talk about Health Insurance in Sri Lanka

"We have had no experiences with regard to the use of our health insurance as either the cost was too low to even bother with it or it was pre-existing and was not going to be covered so was out of pocket. Yes, we have Cigna Global Health Insurance as to be a foreign resident in Sri Lanka it is required to have health insurance coverage. It has been vague if the insurance will cover Nawaloka, Negombo Branch but their map showing most hospitals for us to go to are in Colombo (27 miles distance). I can't get an answer from Nawaloka Hospital, Negombo Branch either if they would accept Cigna here locally. I did pick Cigna Global as most of the other insurance outfits seemed kind of dicey and it was the best of the lot. ," commented one expat living in Negombo, Sri Lanka.

"Healthcare is free for everyone. Every city and town has a state run hospital/s which has super qualified doctors and treatments and medicine for free of charge. But sometimes line are long. You also have the option to go for a private hospital or clinic which is paid. Insurance usually covers all general treatments and can be claimed. Insurance providers are many in Sri Lanka - with Ceylinco Life, AIA and Janashakti been just a few. Each has different tiers of insurance depending on your budget. You can go as low as you want or as high. ," mentioned one expat living in Sri Lanka.