Do I need Health Insurance When Moving to Belize?

When considering a move to Belize as an expat or digital nomad, one of the critical considerations is healthcare. Belize does not have a mandatory health insurance requirement for entry into the country or for obtaining residency. However, it is highly recommended that newcomers secure health insurance to cover any medical needs during their stay, especially since the public healthcare system may not meet the standards that expats are accustomed to in their home countries. Additionally, private healthcare in Belize, while more in line with expat expectations, can be expensive without adequate insurance coverage. It's important to note that while Belize does not stipulate minimum coverage amounts or specific insurance requirements for residency, having a comprehensive health insurance plan can provide peace of mind and financial protection against unforeseen medical expenses.

Does Expat Health Insurance Meet the Requirements?

Since Belize does not enforce specific health insurance requirements for residency, most expat health insurance plans will meet the basic needs for coverage in the country. However, it is essential to ensure that the chosen plan provides sufficient coverage for the healthcare services you might need, including medical evacuation, which can be crucial in more remote areas of Belize. Expats should carefully review their policy details to ensure that their insurance covers local healthcare facilities and any potential international treatments if necessary.

Which local health insurers offer this type of insurance?

In Belize, there are several local insurance companies that offer health insurance plans suitable for expats. These companies typically provide a range of plans, from basic to comprehensive coverage. Some of the well-known insurers include RF&G Insurance, Atlantic Insurance, and ICB (Insurance Corporation of Belize). These local insurers have a good understanding of the Belizean healthcare system and can offer plans tailored to the needs of expats living in the country. It's advisable to compare different plans and consult with these insurers directly to find the best fit for your healthcare needs and budget.

Advice from Expats in Belize about Health Insurance

Expats living in Belize often emphasize the importance of obtaining comprehensive health insurance that covers both local medical care and the possibility of medical evacuation. They recommend seeking policies that offer direct billing with hospitals and clinics to avoid out-of-pocket expenses during emergencies. It's also advised to look for plans that include coverage for prescription medications, as these can be costly in Belize. Additionally, understanding the limitations and exclusions of your policy is crucial, so you're not caught off guard by uncovered treatments or procedures. Lastly, expats suggest considering the proximity of healthcare facilities to your residence in Belize, as this can impact the level of coverage you might need, especially in more remote areas where healthcare options are limited.

Expats Talk about Health Insurance in Belize

"In the US I have Medicare and a supplemental insurance, which is fine and I have had no problems with coverage. In Belize, I do not purchase medical insurance because it is very expensive. ," said one expat who moved to Hopkins Village, Belize.