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Chile is a South American country known for its spectacular landscapes, ranging from arid deserts to majestic glaciers. For expats, living in Chile offers a unique experience, but it is essential to understand the local healthcare system to ensure adequate medical coverage. This article guides you through health insurance options in Chile, recommended hospitals, and emergency numbers to know.
The Chilean healthcare system is composed of two main sectors: public and private. The public sector is managed by the National Health Fund (FONASA), which covers about 80% of the Chilean population. Contributions to FONASA are mandatory for all employees, amounting to 7% of their monthly salary.
The private sector, on the other hand, is made up of several insurance companies known as ISAPREs (Instituciones de Salud Previsional). ISAPREs offer personalized health plans based on individual needs and budgets. This system is generally preferred by those seeking faster and higher quality care.
When it comes to choosing health insurance in Chile, expats have two main options: local insurance or international health insurance.
Local insurance:
ISAPREs are a viable option for those planning to stay in Chile long-term. They offer good medical coverage, but the procedures can be complex, and the coverage may not extend beyond Chile.
International health insurance:
Opting for international health insurance, such as those offered by APRIL International, is often the best solution for expats. These insurances offer worldwide coverage, ensuring optimal protection during travel or temporary returns to your home country. They are also known for their multilingual customer service, simplifying administrative processes.
Choosing the right health insurance is essential for living peacefully in Chile. Whether you opt for local or international insurance, ensure it meets your specific needs. By being well-prepared and informed, you can fully enjoy your expat experience in this beautiful country.
> Good to know: some international insurances offer additional services, such as medical repatriation coverage, a valuable option in case of urgent medical needs in your home country.
Chile has many hospitals and clinics, both public and private, offering quality care. However, private facilities are generally better equipped and more modern than public hospitals.
> Good to know: it’s recommended to subscribe to insurance that covers the costs of private hospitals, as these can be expensive without adequate coverage.
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