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ARCR- Insurance in Costa
Rica.
Insurance details
Many people hear about the great health system when visiting or moving to
Costa Rica, but if you relocate here, you are also going to need to
research your insurance options, and ARCR can assist you.
It is necessary to know there are two independent systems for health care.
The public sector known as the CCSS, and the private sector compiled of
many individual doctors and hospitals.
The Government run sector does not actually accept any insurance, and you
must be affiliated to their system which, while not actually insurance,
requires a monthly payment with the amount set by your own income levels.
While very effective for the general population, many members of the ARCR
prefer the efficiency and faster access offered through the private
sector.
Next is the INS (Instituto Nacional de Seguros) is the government
insurance company, which is a monopoly. They sell all kinds of insurance
through agents, including medical insurance, auto insurance, home
insurance, and so forth.
Their health insurance plans are reasonably priced, and work well for many
who relocate to Costa Rica. There is a less costly regional insurance,
which works well for Costa Rica and Latin America, which many ARCR members
opt for. There is also a global coverage available, so be sure to ask
about all your options.
Auto insurance basic coverage is very inexpensive and not worth not having
for third party, the rest of the coverage can add up, but the insurance
does work very well. The fact that less than 50% of the motorists have
this voluntary insurance is more of an incentive to purchase it, so that
you are covered if an uninsured motorist hits you as well.
Home insurance for natural disasters is also very reasonable, and covers
most everything you can imagine. While construction methods are excellent,
floods and quakes do occur, so insurance coverage may be wise. And there
is no need to worry about stability, as the Insurance institute and the
country are reinsured by the largest companies worldwide.
Other types of insurance are also available, for liability, equipment,
theft, workers compensation, and so on. Your need for any of these will
depend on what your activities will be in Costa Rica, and we can assist
your selection through our agents at Latin American Coverage. It may be
nice for you to know that litigation is not rampant here, and liability is
generally only needed by those with high risk adventure companies, such as
river rafting or bungy jumping.
Furthermore you have the option of a global health insurance, though if
not already purchased, you would be best to wait until you visited here to
find your best options. For example by attending the monthly ARCR seminar.
So depending on your health status, your budget, and where you intend to
be, the ARCR can assist you in choosing the insurance coverage(s) right
for you. we work with Latin American Coverage so that you can gain easy
access to the insurance plan that suits you, and with English guidance and
information.
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