Fast enrolment
100% digital insurance
Free 24/7 telemedicine
Living in Panama offers a warm and inviting lifestyle, with beautiful beaches and a vibrant culture. But while Panama is an attractive destination for expats, it requires some preparation—especially when it comes to health insurance. Given the differences between Panama’s healthcare system and international standards, selecting the right health coverage is essential to avoid unexpected costs and to ensure access to quality care.
Panama has a dual healthcare system with both public and private sectors. The public sector, while affordable, can be limited for expats, with facilities and wait times that may not meet international expectations. For quality care, many expats turn to private clinics, primarily in larger cities like Panama City. These private facilities offer advanced medical services, often with bilingual staff, but they also come with higher costs.
Good to know: Panama's public healthcare system may not cover all specialized treatments. In cases of complex health issues, an insurance plan with international coverage allows access to the best available care locally or a transfer to another country if needed.
The choice between local and international health insurance is crucial for any expat. Local plans are generally more affordable but usually restrict coverage to Panama. They might be suitable for expats planning to stay within the country, but they can have limitations in terms of reimbursements and access to advanced treatments.
On the other hand, international health insurance provides broader coverage, often including the option to receive treatment in other countries. This is a major advantage for expats seeking medical flexibility and the option to get treatment outside Panama if necessary.
Tip: Before choosing a plan, check for medical evacuation options and reimbursement limits—especially important in emergencies or for long-term treatments.
Expats in Panama have access to several quality healthcare options, particularly within private hospitals in Panama City. These facilities, often meeting international standards, provide a wide range of services, from general check-ups to specialized surgeries.
Good to know: These private hospitals often provide rapid consultations and payment plans. However, in the case of emergencies or complex treatments, it’s recommended to contact your insurer in advance to confirm coverage.
It only takes a few steps to join and start benefitting from your cover by tomorrow!
1. I look for the cover that suits my situation and choose my options.
2. I request a quote online and sign it electronically.
3. I download the Easy Claim app and take advantage of all my online services.
4. I can get a call back or chat at any time with an adviser.
