Is Health Insurance Required When Moving to Brazil?

When planning a move to Brazil as an expat or digital nomad, one of the essential considerations is healthcare. Brazil has a public healthcare system known as the Sistema Único de Saúde (SUS), which provides care to residents, including foreigners who have obtained residency status. However, before achieving residency or enrolling in SUS, it is crucial to have private health insurance. The Brazilian government does not explicitly mandate health insurance for entry into the country, but having it is highly advisable to cover any medical expenses that may arise before you are eligible for the public system. The requirements for health insurance coverage amounts and length can vary depending on your visa type and personal circumstances. It is essential to ensure that your health insurance is valid in Brazil and provides sufficient coverage for the entire duration of your stay until you can access the public healthcare system.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the requirements of various countries, offering comprehensive coverage that includes hospitalization, emergency services, and sometimes even medical evacuation. To ensure that your expat health insurance meets the requirements for Brazil, you should verify that the policy is valid in the country and provides extensive coverage. It is also wise to check if the insurance company has a good network of hospitals and clinics in Brazil, as this can greatly facilitate access to healthcare services when needed. Additionally, some visa categories may have specific insurance requirements, so it's important to align your insurance plan with those stipulations.

Which local health insurers offer this type of insurance?

In Brazil, there are several reputable local health insurers that offer plans suitable for expats and digital nomads. Some of the well-known insurance companies include Amil, Bradesco Saúde, and Unimed, which have extensive coverage across the country. These insurers provide a range of plans from basic to premium, catering to different needs and budgets. They also have customer service with English-speaking staff to assist foreigners. When choosing a local insurer, it's important to consider the size of their network, the types of plans offered, and their reputation for service quality.

Advice from Expats in Brazil about Health Insurance

Expats living in Brazil often emphasize the importance of securing a robust health insurance plan before arriving in the country. They advise newcomers to look for plans that offer a good balance between coverage and cost, ensuring that major medical expenses are covered without paying for unnecessary extras. It's also recommended to choose a plan with a straightforward claims process and clear policy terms to avoid confusion in the event of a medical emergency. Additionally, considering a plan that includes coverage for routine medical care and prescriptions can be beneficial, as these costs can add up over time. Lastly, expats suggest reviewing the insurer's network to ensure there are quality healthcare providers near your intended place of residence in Brazil.

Expats Talk about Health Insurance in Brazil

"For us, medical insurance in Brazil is cheaper than medical insurance in the USA. I have no deductibles and my insurance cost is about 1/2 of what it would cost me for insurance in the USA. We are in our early 60's and pay about $1,400 per month (for both of us) compared to a similar plan (higher end plan) in the USA at $2,400 per month for both of us. This Brazilian plan has paid in full our complete annual physicals and lab tests and we have had several other visits where the insurance paid 100% with no problems with the insurance company," said one expat who moved to Natal, Brazil.