Do I need Health Insurance When Moving to Paraguay?

When planning a move to Paraguay as an expat or digital nomad, one of the essential considerations is healthcare. While Paraguay does have a public healthcare system, it may not offer the same level of care that many expats are accustomed to, and it may not be immediately accessible to newcomers. Therefore, it is advisable to have private health insurance upon arrival. Paraguay does not have a specific health insurance requirement for entry or for obtaining residency, but having coverage is crucial for your financial and physical well-being. It is recommended to have a policy that covers a broad range of medical services, including hospitalization, emergency services, and possibly medical evacuation, with a coverage period that extends for the duration of your stay or until you are eligible to join the local healthcare system.

Does Expat Health Insurance Meet the Requirements?

Since Paraguay does not enforce a strict health insurance requirement for residency, expat health insurance policies are generally acceptable. However, it is important to ensure that the chosen policy is comprehensive and provides sufficient coverage for various medical needs. Expats should look for policies that offer a high coverage limit, coverage for pre-existing conditions if needed, and include repatriation or evacuation services. It's also wise to check if the insurance company has a good network of hospitals and doctors in Paraguay to ensure accessibility to quality healthcare services.

Which local health insurers offer this type of insurance?

In Paraguay, there are several local health insurance providers that expats can consider. These insurers offer a range of plans that can be tailored to individual needs. Some of the well-known local insurance companies include Seguros Yacyretá, Aseguradora Tajy, and Mapfre Paraguay. These companies provide various plans that can include hospitalization, outpatient services, and emergency care. It's advisable to contact these insurers directly or through a local insurance broker to discuss specific coverage options and to find a plan that best suits your needs as a newcomer to the country.

Advice from Expats in Paraguay about Health Insurance

Expats living in Paraguay often emphasize the importance of securing a reliable health insurance plan. They advise newcomers to thoroughly research and compare different insurance policies, focusing on the extent of coverage, exclusions, and the claims process. It's important to consider the cost of healthcare in Paraguay and ensure that the insurance plan provides adequate coverage for both routine and unexpected medical expenses. Additionally, expats recommend choosing a plan that offers direct billing with hospitals and clinics to avoid out-of-pocket payments. Lastly, understanding the terms and conditions of your insurance policy is crucial, so you are well-informed about what is covered and what is not, which can save you from unexpected financial burdens in the event of a medical emergency.