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Looking for the best health insurance providers in Chile as an expat? Top-rated companies include AXA, Bupa Global, Allianz Care, Cigna, William Russell, VUMI, IMG, David Shield, and GeoBlue. These insurers offer international health plans with coverage options tailored to foreigners and their families living in Chile.
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Choosing the right insurance can feel overwhelming, especially in a new country. This guide breaks down each provider’s key benefits and plan types so you can compare and find the most suitable coverage for your healthcare needs in Chile.
We will discuss these 9 insurance companies in detail and share an overview of the health insurance plans they have available. Keep reading to learn more about the top insurance companies for expats in Chile!
Top International Health Insurance Providers for Expats in Chile
The nine best insurance providers in Chile are:
We will share more about these companies and their plans in the following sections.
AXA: Comprehensive Health Coverage for Expats in Chile
AXA is a global health insurance provider with 55 years of experience that insures expat individuals and families in Chile. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.
Each of these plans includes comprehensive inpatient coverage with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.
The core benefits included in all five plans are:
- Inpatient Hospital Charges and Surgeries
- Emergency Care
- Medical Evacuation and Repatriation
- Wide Range of Cancer Treatments
- Ambulance Transport
- CT, PET, and MRI Scans
The more inclusive plans, Prestige and Prestige Plus, offer these valuable additional benefits:
- Routine Pregnancy Care
- Annual Health Checks
In addition to these medical benefits, AXA offers other important services to their members with each of their five plans. This includes 24/7 personal support, claims repaid within 48 hours, second medical opinions, and virtual doctor services.
Bupa Global: Premium Health Plans for Expats in Chile
Bupa Global offers international health insurance coverage for expats in Chile with their four plans: Major Medical, Select, Premier, and Elite. Their most affordable plan provides an annual benefit limit of USD $1,260,000.
Their plans and coverage details may vary by region, so ask your broker for more information. Below, we have compiled a short table illustrating the coverage benefits offered by Bupa Global.
Bupa Insurance Coverage Availability for Expats in Chile |
|
|
Benefit |
Availability through Bupa |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on many plans |
| Dental Coverage | Available with a 24-month waiting period for orthodontic benefits |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for routine and travel vaccines |
Bupa Global includes key beneficial features with each of their health insurance plans in addition to their comprehensive healthcare coverage. These features include:
- Direct Billing Options
- 24/7 Medical Help through Global Virtual Care
- Second Medical Opinions
- Online Access to Insurance Information
- Extensive Network of Providers
Allianz Care: Trusted Global Health Insurance in Chile
Allianz is one of the largest international health insurance providers on the market today and offers expats in Chile excellent private health insurance coverage. The main three plans for individuals and families are Allianz Care, Allianz Care Plus, and Allianz Care Pro.
We have included the short table below to compare Allianz plan benefits.
Allianz Plan Benefits for Expats in Chile |
|||
|
Care Plan |
Care Plus Plan |
Care Pro Plan |
|
| Annual Limit | USD $2,500,000 | USD $4,000,000 | USD $5,000,000 |
| Type of Room | Semi-Private | Private | Private |
| Inpatient / Day-Care | Covered | Covered | Covered |
| Oncology | Covered | Covered | Covered |
| Medical Evacuation | Covered | Covered | Covered |
In addition to their core Care plans, they also offer additional add-on plans to further your coverage. These plans include their Out-Patient Plan, Dental Plan, Repatriation Plan, and
Maternity Plan. These plans offer important additional treatment coverage for expats in Chile.
Cigna Global: Flexible Plans for Expats in Chile
Expats in Chile can purchase international health insurance from Cigna Global’s Close Care, Silver, Gold, and Platinum plans. Cigna is one of the largest international health insurance providers, with a broad global network of 1.65 million hospitals, doctors, and clinics.
Cigna’s health insurance plans offer comprehensive coverage for inpatient and outpatient services and more. The core benefits shared by these plans are:
- Inpatient and day patient coverage
- Full cancer care
- Newborn care coverage
- Private hospital rooms
- Hospital stays and treatments
Some additional coverage that can be added to these plans are:
- Dental and vision benefits
- Evacuation and Crisis Assistance Plus™
- Outpatient services
- Health and wellbeing services
The Silver, Gold, and Platinum plans all offer international coverage, while the Close Care plan only offers coverage in Chile and the member’s home country.
William Russell: Personalized Health Insurance Options for Expats in Chile
William Russell is a popular international health insurance provider with expats in Chile because of their comprehensive health insurance. They offer health insurance through four standard plans: Bronze, SilverLite, Silver, and Gold. Each plan varies in coverage limits and benefits.
William Russell offers its members extensive benefits and enhanced member services, with personal account managers for their clients. They designed these unique features to help members get the most out of their policies.
We will compare the Bronze, SilverLite, Silver, and Gold plans and their benefits in the table below.
William Russell Plan Benefits for Expats in Chile |
||||
|
Bronze |
SilverLite | Silver |
Gold |
|
| Annual Benefit Limit | USD $1,500,000 | USD $1,500,000 | USD $2,500,000 | USD $5,000,000 |
| Hospital Accommodations | Semi-private room (option to upgrade to a private room) | Semi-private room (option to upgrade to a private room) | Private room | Private room |
| Hospital Treatment | Full coverage | Full coverage | Full coverage | Full coverage |
| Annual Limit for Out-patient Treatment | No limit | Up to USD $5,000 | No limit | No limit |
| Primary Medical Care | Post-Hospital treatment only | USD $1,500 (option to extend to USD $2,500 or USD $3,500) | Full coverage | Full coverage |
VUMI: VIP Medical Plans for Expats in Chile
VIP Universal Medical Insurance Group (VUMI) offers comprehensive health and travel insurance for expats in Chile. VUMI offers individual health insurance through its Global Flex VIP Plans, which are available as Basic, Standard, Superior, Ultra, and Total.
Each plan has different coverage limits, but all five plans include some core benefits like standard private hospital room coverage and fully covered ICU stays.
We will share more about the Global Flex VIP Plans below.
- Global Flex VIP Basic Plan: The VIP Basic plan offers the most affordable insurance option to expats in Chile. It provides inpatient coverage, with outpatient services only being covered before and after surgery.
- Global Flex VIP Standard Plan: This plan offers a step-up in coverage from the Basic plan, with optional wellness and optical benefits.
- Global Flex VIP Superior Plan: The Superior Plan has options for additional optical and maternity benefits and also includes coverage for outpatient benefits like complementary therapies.
- Global Flex VIP Ultra Plan: The Ultra plan is the second most comprehensive health insurance plan VUMI offers. This plan includes routine dental coverage and maternity benefits. Optical benefits can be added as well.
- Global Flex VIP Total Plan: The most comprehensive of VUMI’s health insurance policies. This plan includes the highest benefit limits and includes high coverage for dental and maternity benefits.
IMG Global: Customizable Health Insurance for Expats in Chile
IMG Global is an international insurance company that offers health and travel insurance to expat individuals and families in Chile. Their plans are globally portable, with the choice of worldwide coverage or worldwide excluding the US, Hong Kong, Japan, Macau, Singapore, and Taiwan.
IMG Global provides international health insurance plans with benefits that include inpatient care, cancer treatment, and prescription coverage. These plans come in four different coverage tiers: Bronze, Silver, Gold, and Platinum.
The annual limits for these plans are listed below:
- Bronze: USD $1,000,000 per individual
- Silver: USD $5,000,000 per individual
- Gold: USD $5,000,000 per individual
- Platinum: USD $8,000,000 per individual
In addition to the core inpatient benefits offered in IMG’s plans, expats may also be able to purchase additional riders to further their benefits. This includes a Dental, Vision, Terrorism Protection, and Sports Rider.
David Shield: Innovative Health Coverage for Expats in Chile
David Shield is one of the top insurance companies in Chile due to their unique health insurance solutions and excellent customer service. They offer their members access to quality healthcare in Chile and across the world. They are also known for their product PassportCard.
David Shield offers individuals the option of health insurance plans with worldwide coverage including USA or excluding USA coverage. Expats looking to save money on their premiums can choose the excluding USA coverage plan.
Some key benefits included in David Shield plans are:
- Hospitalization
- Surgery
- Physician Visits
- Maternity and Infant Care
David Shield also offers maximum flexibility for its members by allowing them to select the medical service provider of their choice from their extensive network.
GeoBlue: US-Friendly Health Insurance for Expats in Chile
GeoBlue is a global insurance company offering travel and health insurance plans for individuals, families, students, and groups in Chile and worldwide. They provide their members in Chile access to an extensive provider network and offer customizable, comprehensive plans.
GeoBlue offers expat health insurance through their plans Xplorer Premier and Xplorer Essential. The Xplorer Premier plan comes with United States coverage, while Xplorer Essential can have US coverage added at a fee.
These plans come with benefits like:
- Inpatient and Outpatient Coverage
- Emergency Evacuation and Repatriation
- Dental Coverage (With a 3-month Waiting Period)
- Maternity Coverage (With a 12-month Waiting Period)
- Coverage for Annual Health Checks
- Vaccination Coverage
The Xplorer plans come with different choices of deductibles, and each annual maximum limit will depend on the deductible chosen. GeoBlue plans are especially popular with expats moving to Chile from the US due to the Xplorer Premier’s built-in US coverage.
Why Use a Broker to Get Health Insurance in Chile?
Expats who use an insurance broker to secure health insurance for their time in Chile can count on a simplified and streamlined process, with free and unbiased advice and support. Global insurance brokers like Pacific Prime can save you money on expat health insurance for your time in Chile.
Insurance brokers save you money by negotiating with the insurance coverage provider on the client’s behalf, comparing plans to find the best deals, and customizing plans. Additionally, they will support and advocate for clients on their insurance journey.
If you’re interested in the benefits you get for using an insurance broker to secure a health insurance policy for Chile, consider the experts at Pacific Prime.
Frequently Asked Questions:
Why is health insurance important for expats in Chile?
Health insurance is vital for expats in Chile to protect them from medical bills incurred by unexpected illnesses and accidents. Medical services can be expensive, especially for serious illnesses and complicated treatments. Health insurance can protect your finances while in Chile.
Will health insurance cover my pregnancy in Chile?
You can purchase health insurance with additional maternity coverage that will cover your pregnancy in Chile. Maternity insurance coverage can pay for your prenatal care and any other medical services you will need in Chile, but be mindful of maternity insurance waiting periods.
What do international health insurance plans cover in Chile?
International health insurance plans can cover inpatient and outpatient treatment, emergency medical services, surgery, dental, vision, and even maternity care. The specific coverage benefits will vary by plan and by insurance provider.
What is excluded on international health insurance plans in Chile?
Exclusions will vary depending on the health insurance plan and provider, but some examples of common exclusions include pre-existing conditions, elective procedures, non-prescription drugs, and certain high-risk activities like extreme sports. See the terms of your policy to see what is excluded.
Conclusion
Expats in Chile can choose from these nine top insurance companies to cover them during their travels. Each of these providers has its strengths and features that make them unique, and expats should compare their plans carefully to choose the best fit for them.
If you’d like help comparing plans, contact the insurance experts at Pacific Prime! We can help you understand insurance quotes and plans and offer our unbiased advice. If you’d like to compare plans on your own, feel free to use our free quote generator.
If you’d like to read more about the top insurance companies in other countries, check out our articles on Turkey and Columbia!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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