Health coverage in Costa Rica

The quality and competitiveness of the Costa Rican health system attracts many foreign patients every year. However, this success contributes to longer waiting times for nationals and residents, especially when they wish to access the public health sector. But while the private sector is often more available and responsive, its care is not covered by the country's health insurance system.

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Health insurance for expats in Costa Rica

The health insurance system in Costa Rica
 

The Costa Rican health system is managed by the Caja Costarricense de Seguro Social (CCSS). It allows insured persons to receive free treatment in the country's public hospitals and facilities. These health facilities have a reputation for being well-equipped and staffed by competent health professionals, including many trained in the United States.

Legal foreign residents also have access to the Costa Rican health system, in exchange for the payment of a monthly contribution, usually deducted from their salary. They receive free medical care in the public sector on the same basis as Costa Rican citizens.

When care must be provided to patients in the private sector (e.g., in an establishment offering a medical speciality or specific technical facilities), the costs will also be covered by the CCSS if the patient has previously been referred to by a public hospital. Otherwise, access to the private health sector is not covered.

How to choose health insurance in Costa Rica: local or international?
 

To avoid the long waiting times in the public sector, nationals and residents sometimes turn to the private health system and take out complementary health insurance. 

Local health insurance offers were previously under the monopoly of the Instituto Nacional de Seguros (INS), but they are now liberalised and several insurers share this market. They generally cover care provided by a list of member hospitals, doctors, pharmacies, and laboratories.

In order to be able to choose your health care structure freely, you may want to opt for an international health insurance plan, which covers your healthcare expenses regardless of where you receive your treatment or purchase your medication.

The cost of healthcare in Costa Rica: some examples from the private sector

Liste exemple remboursements

GP CONSULTATION

A visit to the GP will cost you about CRC 28,000 (€38)

APRIL International up to 38 €*

Out-of-pocket expenses 0€**

SPECIALIST CONSULTATION

A visit to a specialist will cost you between CRC 45,000 and over 56,500 (€60-77)

APRIL International up to 77 €*

Out-of-pocket expenses 0€**

DENTIST - SCALING

A minimum of CRC 42,000 (€57) will be required for a dental scaling

APRIL International up to 57 €*

Out-of-pocket expenses 0€**

Disclaimer

Examples of average costs of care in the private health sector - APRIL International data 01/2022

 

* Example of reimbursement with MyHealth International - Comfort

** Example of the amount to be paid by the insured after reimbursement

Care in Costa Rica

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Care in Costa Rica
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Choosing hospitals
 

The Costa Rican public health system consists of hospitals and clinics spread throughout the country. Both the public and the private healthcare institutions offer high-quality care. Around the capital city of San José, the best-known private hospitals are the Cima Hospital, the Clínica Bíblica, and the La Católica Hospital. 
 
All medical specialities are represented in Costa Rica. General practitioners, specialists, and dentists work in hospitals, clinics, and private practices. 
 
> Good to know: It is strongly advised not to buy medicines on the street in Costa Rica, as this practice exposes patients to the risk of counterfeit medications

Titre phone establishment list
Health facilities

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Emergency numbers in Costa Rica

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Police, Fire Department, Ambulance
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A broad care network in South America

APRIL International has an extensive network of hospitals, clinics, and healthcare providers where you can benefit from direct billing services and high quality care in Costa Rica and across the world.

To find your nearest health professional or partner establishment in just a few clicks, go to your Easy Claim application.

Services group
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TAILOR-MADE COVERAGE
Description
Reimbursement of health expenses from the first euro/dollar, including in private hospitals
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TRAVEL WITH PEACE OF MIND
Description
Coverage in Costa Rica, or in other countries when you travel
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OPTICAL & DENTAL CARE
Description
Reimbursement of optical and dental care (option)
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UNLIMITED TELEMEDICINE SERVICE
Description
A free medical telemedicine service available 24/7 anywhere in the world
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MEDICAL TRANSPORT
Description
Repatriation assistance is included in your cover
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DIRECT BILLING
Description
In the event of hospitalisation, you pay nothing out of pocket

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We care about our clients

The opinion of our customers is important and allows us to better meet their expectations. To this end, we collect the opinions of our policyholders via a questionnaire sent by the independent platform eKomi.

We care about our clients

08/07/2022

I havent received the insurance documents and hope you can give them to me

08/07/2022

Perfect Thank you

28/06/2022

Appreciated the call back and help completing the application form