Do I need Health Insurance When Moving to Colombia?

When planning a move to Colombia as an expat or digital nomad, one of the essential considerations is healthcare. Colombia has a universal healthcare system, which expats can eventually access, but it's crucial to have health insurance coverage upon arrival, especially during the period before obtaining residency or enrolling in the public healthcare system. The Colombian visa application process often requires proof of health insurance that meets specific criteria, including minimum coverage amounts and validity for the length of your stay. It's important to ensure that your health insurance is valid in Colombia and provides sufficient coverage for medical emergencies and routine healthcare needs.

Does Expat Health Insurance Meet the Requirements?

Expat health insurance policies are designed to meet the needs of individuals living outside their home country, and many of these policies are tailored to comply with visa requirements in various countries, including Colombia. To meet the Colombian visa requirements, expat health insurance should provide comprehensive coverage, including hospitalization, emergency services, and repatriation. It's important to check that the policy is accepted by the Colombian authorities and that it covers you for the entire duration of your visa. Additionally, the insurance plan should have a minimum coverage amount that satisfies the Colombian visa regulations, which can vary, so it's advisable to consult with the Colombian consulate or embassy for the most current requirements.

Which local health insurers offer this type of insurance?

In Colombia, there are several reputable local health insurance companies that offer plans suitable for expats and digital nomads. Companies such as SURA, Colpatria, and Allianz offer a range of health insurance products that can be tailored to meet the needs of newcomers to the country. These insurers provide various levels of coverage, from basic to comprehensive plans, and many have options for international coverage, which can be beneficial for those who travel frequently. It's recommended to compare the plans from these insurers, considering factors such as coverage limits, deductibles, network of hospitals and doctors, and customer service, to find the best fit for your healthcare needs and budget.

Advice from Expats in Colombia about Health Insurance

Experienced expats in Colombia often emphasize the importance of obtaining a health insurance plan that offers a balance between affordability and comprehensive coverage. They advise new arrivals to thoroughly research and understand the terms and conditions of their insurance policies, paying close attention to any exclusions or limitations. It's also recommended to consider plans that offer direct billing with hospitals and clinics to avoid out-of-pocket expenses during medical treatments. Additionally, expats suggest choosing an insurer with a good reputation for customer service and claims processing, as this can significantly ease the experience of navigating the healthcare system in a new country. Lastly, expats recommend keeping in mind that while Colombia's healthcare system is highly regarded, having a robust health insurance plan ensures peace of mind and access to a wider range of healthcare services.

Expats Talk about Health Insurance in Colombia

"Colombia is known for its high quality of private medical care and medical universities. Bucaramanga is well known for medical education and we have a plethora of hospitals and doctors. In my experience, prices are much cheaper here than the USA. eg. ACL surgery in the USA can run $60K to $80k, not including physical therapy. ACL surgery here is $5k including physical therapy," said one expat who moved to Bucaramanga, Colombia.

"You can choose any health Ins company you want here, at a very reasonable price. Sanitas was recommended to me many years ago and I love it. My ambulance ride last year (5 hours) Hospital stay, and open Heart Surgery cost me $1 USD for the co-pay and never a deductable here," mentioned one expat when asked about moving to Colombia.