Health Insurance in Costa Rica for Expats, Families and Residents
Compare local and international health insurance with independent guidance from Interconsultores. We help you understand benefits, provider networks, exclusions, deductibles, and geographic limits before you choose coverage in Costa Rica or worldwide.
Request a Health Insurance Quote
Tell us who needs coverage, your preferred geographic area, and any priorities such as maternity, prescriptions, preventive care, or access outside Costa Rica. A licensed advisor will review suitable options and explain the differences.
Thank You
Thank you. We received your request. An advisor will contact you by email or phone to clarify your needs and prepare a tailored comparison.
Health and Life Insurance Options
Choose coverage based on where you live, where you want treatment, your budget, and the level of financial protection you need. Interconsultores compares policy terms and helps you identify the questions to ask before applying.
Health and Major Medical Insurance
Private health insurance in Costa Rica can provide access to private medical networks and may include care at hospitals such as CIMA, Clínica Bíblica, and Hospital Metropolitano, depending on the insurer, policy, and provider network.
- Inpatient, outpatient, surgery, and emergency-care options
- Local plans: coverage centered on private providers in Costa Rica
- International plans: broader geographic coverage, which may include specialized treatment in the United States
- Optional benefits may include prescriptions, maternity, and preventive care
Coverage, direct billing, waiting periods, exclusions, limits, and pre-authorization rules vary by policy. Review the policy wording and provider network before enrollment.
Compare Health Insurance OptionsLife and Family Protection Insurance
Life insurance can help protect your family or business against the financial impact of death, disability, or serious illness. Available structures may include term life, whole life, and savings-linked policies.
- Policy values or benefits may be denominated in US dollars (USD) or Costa Rican colones (CRC)
- Total and permanent disability riders may be available
- Critical-illness and accelerated-death-benefit options may be available
Benefits, currencies, riders, eligibility, and underwriting depend on the insurer and policy.
Request a Life Insurance ComparisonAdditional Insurance in Costa Rica
Use one advisor to review related personal and business risks alongside your health coverage. Interconsultores can help compare additional options from registered carriers.
Auto Insurance
Coverage options for collision, rollover, theft, and third-party liability.
Home and Property
Protection options for fire, earthquakes, floods, theft, and other insured events.
Travel Protection
Options may include emergency medical care, evacuation, and trip interruption or cancellation.
Commercial and Liability
General liability, workplace-risk coverage, and group insurance options for businesses.
¿Busca seguros de salud en Costa Rica?
Interconsultores compara opciones locales e internacionales para familias, residentes y expatriados. Consulte beneficios, red médica, deducibles, exclusiones y cobertura geográfica antes de solicitar una póliza.
Solicitar cotización de seguro de saludHealth Insurance Costa Rica: Frequently Asked Questions
Direct answers to the most common questions regarding private coverage, hospital networks, eligibility, and underwriting.
What is private health insurance in Costa Rica?
Private health insurance in Costa Rica helps pay eligible medical expenses under the terms of a policy. Coverage can include private hospitals, physicians, tests, surgery, prescriptions, or care abroad, but benefits, networks, exclusions, deductibles, and limits vary by plan.
Can expats buy health insurance in Costa Rica?
Expats can apply for local or international health insurance in Costa Rica, subject to each insurer's eligibility and underwriting rules. The right option depends on residency, age, medical history, budget, and whether coverage is needed only in Costa Rica or internationally.
What is the difference between local and international health insurance?
Local health insurance is designed mainly for treatment within Costa Rica, while international health insurance can cover eligible care in a wider geographic area. International plans may include treatment in the United States, but premiums, networks, pre-authorization rules, and exclusions are policy-specific.
Which private hospitals can a health plan include?
A Costa Rica health plan may include access to private hospitals such as CIMA, Clínica Bíblica, and Hospital Metropolitano. Hospital access and direct billing depend on the insurer, the specific policy, the provider network, and any required pre-authorization.
Does private health insurance cover pre-existing conditions?
Pre-existing-condition coverage depends on the insurer's underwriting decision and policy wording. A carrier may cover a condition, exclude it, apply a waiting period or surcharge, or decline the application; disclose medical history accurately and obtain the decision in writing.
What should I compare before choosing a health insurance plan?
Compare the provider network, geographic coverage, annual and lifetime limits, deductible, coinsurance, exclusions, waiting periods, pre-authorization rules, direct-billing arrangements, and renewal terms. Compare the policy wording, not only the premium.
Is Interconsultores authorized by SUGESE?
Yes, Interconsultores is an authorized insurance brokerage in Costa Rica registered and supervised by the Superintendencia General de Seguros (SUGESE) under License Number 24-2124 and SAC Code C-259.
Which insurers does Interconsultores work with?
Interconsultores lists relationships with INS, Pan-American Life, MAPFRE, ASSA, Qualitas, and Best Doctors. Available products and the brokerage's legal relationship with each organization should be confirmed at the time of quotation.
What information is needed for a health insurance quote?
A health insurance quote typically requires each applicant's age, country of residence, preferred coverage area, and benefit priorities. Medical information may be required during underwriting; use a secure process for sensitive health data and explain how it will be handled.
How do I request a health insurance comparison?
Submit the quote form or call Interconsultores at +506 8730-2146. Ask for a side-by-side comparison showing premiums, deductibles, coinsurance, major limits, exclusions, provider networks, waiting periods, and geographic coverage.