Opinions on health care and medicine availability?

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T-T-T
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Opinions on health care and medicine availability?

Post by T-T-T » Tue Aug 12, 2014 12:55 pm

Since my wife and I are getting up there in age ...
we must consider this in our decision of where to retire.
Any and all comments will be most heartily appreciated.
Thanks again!


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Britkid
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Re: Opinions on health care and medicine availability?

Post by Britkid » Tue Aug 12, 2014 4:59 pm

From what I've heard health care is reasonably good here and reasonable value for money, but I don't have much direct experience.

We pay about 190,000 CLP a month for a medical insurance plan that shoud cover most serious medical costs (we stil would have to pay 10-30% of things). That is for a family of 30 something adults and 2 kids.

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Re: Opinions on health care and medicine availability?

Post by Britkid » Tue Aug 12, 2014 5:00 pm

Mind you there is a different thing to living in Las Condes, Santiago (high standard) to other areas (??? standard). Where are you going to be living? Your post is bit vague on details actually.

One thing to consider is that in an emergency it's often quicker to drive yourself to the hospital as the ambulances never come, you can however get a private service which is better. Don't have any experience of that either but this is all what i heard from multiple people.

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Re: Opinions on health care and medicine availability?

Post by Andres » Tue Aug 12, 2014 7:06 pm

The following wiki page might give you some helpful information: http://www.allchile.net/chilewiki/index ... e_in_Chile

Note that ISAPREs often have age limits for joining; your options reduce as you get older.
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Re: Opinions on health care and medicine availability?

Post by admin » Wed Aug 13, 2014 10:47 am

yea, pretty vague to give any advice. obviously, the further you are from civilization the harder it is to get services. Just like anywhere on the planet.
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T-T-T
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Re: Opinions on health care and medicine availability?

Post by T-T-T » Wed Aug 13, 2014 11:34 am

Many thanks to all of you!
We have no idea yet of where we might settle,
but la Serena sure looks great re: size and climate.
Also, waiting all day to see a specialist MD is not going
over too well with my wife, who has several issues.
Thanks again.

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Re: Opinions on health care and medicine availability?

Post by admin » Wed Aug 13, 2014 11:51 am

la serena has good medical infrastructure, and Santiago is not that far away either driving or flying if you need some super hard to find specialist.
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From USA and outside Chile dial 1-917-727-5985 (U.S.), in Chile dial 65 2 42 1024 or by cell 747 97974.

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Re: Opinions on health care and medicine availability?

Post by Donnybrook » Wed Aug 13, 2014 12:50 pm

Look into the insurance thoroughly. As Andres says, most Isapres (private insurance) have a cut off age for accepting you and a previous condition can affect the coverage. There is a state system called Fonasa which may be worth looking into in that case. Paying out of pocket can be very expensive.

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Re: Opinions on health care and medicine availability?

Post by lost gringo » Wed Aug 13, 2014 1:48 pm

My wife is an obstetrician who worked in a public hospital in Bariloche. Hundreds of Chileans came to the hospital, mostly very young unwed mothers, seeking free medical care. It is quite common for poor Chilenos as well as people from Bolivia and Uruguay to seek free medical services in Argentina because the cost of care in Chile is cost prohibitive for them. For people that can afford it, there is excellent medical care available in Chile, especially in Santiago. The doctors there regularly travel to the US to study the latest in medical advancements.
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Re: Opinions on health care and medicine availability?

Post by ExpatBob » Wed Aug 13, 2014 2:19 pm

I spend about 100k CLP per month on my medical insurance, for a top-tier plan with Isapre Banmedica. I have to say I'm quite impressed both by the simplicity of the coverage and payment stuff, as well as the quality of medical care and the costs. I recently had surgery to repair a torn achilles tendon, which would have cost $3000 out of pocket (keep in mind the costs are 1/10 or less what they would be in the USA) and my insurance covered it 100%. Granted, had I saved my $ for the entire year, it would have nearly been a wash if I paid out of pocket. I imagine a lot of insurance is wasted on Chilenos who go to the hospital for every sniffle, bump, and boo-boo. The year previous, I used it only once when I was dying of the plague, so they got their pound of flesh.
The higher end hospitals are top-notch, and I got excellent consults from my doctor through the whole process pre-and-post-surgery and during physical therapy.
If you have, say, 10k socked away in an emergency fund that won't be used for anything else, and take good care of yourself, consider just paying out of pocket. Only reason at this point I still do the Isapre is because I'm paying for it anyways through taxes on a work contract.

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Re: Opinions on health care and medicine availability?

Post by amanaplan » Wed Aug 13, 2014 2:49 pm

...

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Re: Opinions on health care and medicine availability?

Post by admin » Wed Aug 13, 2014 3:05 pm

one medical service, that I recently was really impressed with durring a medical crisis with a 78 year old relative, that is outside the traditional health insurance chain, is called "HELP".

It is essentially an ambulance / doctor service. You pay I think something like 45,000 pesos a month to be member (depends on package, age and so on), but they will send a doctor with nurse / paramedic to your house 24 hours a day, and if needed will send a full ambulance and paramedics crew for transport to the hospital. The family member had serious medical issues related to her heart and other things, and she had to call them repeatedly over several weeks. they were there every time in under 10 mins in both santiago and in Vina del mar. each time we got at least one member of the crew that spoke some english (most doctors in chile speak some sort of english).

details are here:
http://www.help.cl
Spencer Global Chile: Legal, relocation, and Investment assistance in Chile.
For more information visit: https://www.spencerglobal.com

From USA and outside Chile dial 1-917-727-5985 (U.S.), in Chile dial 65 2 42 1024 or by cell 747 97974.

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