Health Insurance -

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Atlanta
Rank: Chile Forum Tourist
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Health Insurance -

Post by Atlanta » Mon Jul 29, 2019 9:35 am

Should I cancel my America insurance plan and buy a Chilean plan? I plan on living in Chile for maybe 2 years a. No employer (yet) to lean on.

Any advice?

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tiagoabner
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Re: Health Insurance -

Post by tiagoabner » Mon Jul 29, 2019 10:52 am

Disclaimer: I'm not an insurance broker, and I'm not your insurance broker. This is not custom advice and it should be read for your entertainment only.

That said, if you've committed to living in Chile (IE. bought your tickets, and have a date set already), it makes sense to switch to a Chilean health insurance plan. You shop around for prices through this website: https://queplan.cl .I'm not affiliated with them, but they are the only online shopping tool that I know of.

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admin
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Re: Health Insurance -

Post by admin » Mon Jul 29, 2019 6:33 pm

yea, dump that over priced, under covered, insurance policy.

your monthly premium in in the u.s. will probably be more like your annual premium in chile. even stranger, you will actually get some medical attention for your money.
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tiagoabner
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Re: Health Insurance -

Post by tiagoabner » Mon Jul 29, 2019 6:39 pm

It may not cover a whole year, but it will be significantly cheaper. In my case, the policy we have through Cruz Blanca costs us $300, and it would cost us $1200-ish to have similar coverage in the land of the free.

Atlanta
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Re: Health Insurance -

Post by Atlanta » Tue Jul 30, 2019 10:53 pm

Thanks to all. Is the quality of the care adequate?

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tiagoabner
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Re: Health Insurance -

Post by tiagoabner » Wed Jul 31, 2019 12:29 am

I didn't have to do anything really complex here, but it seems quality is OK to good, depending on where you go.

I'm insured by Cruz Blanca, which happens to own Integramedica and Clínica Bupa Santiago, so I usually go to a clinic at this network. Better billing integration, as far as I know, and you can schedule everything through their website and through the phone. That claim to offer English phone support, but I haven't ever tried, as I speak Spanish. A rather complete dental work with them was US$250 and my co-pay is 20%.

Of course, your mileage may vary. I live in Santiago, and coverage at other cities will depend on what's available there.

ghibli
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Re: Health Insurance -

Post by ghibli » Thu Aug 01, 2019 12:15 pm

Atlanta - I dropped my US coverage - which was expensive, hard to use and had high deductibles, and got coverage here from BanMedica which is associated with Clinica Santa Maria. The cost was less than 15% of US (no dental but I have never in life had dental coverage) AND I had a pre-existing condition - a broken leg. I have received excellent care and am very grateful. The system is quite different. You need to be more "pro-active" i.e. you make your own choices regarding specialists - there is no GP gate keeper, and you need to keep possession of your medical records.
You pay your co-pay at the time of service, so there is no billing, excepting for surgeries. It's much more streamlined. Once you get used to it, it makes a lot of sense. You can shop around a bit. I've heard good things about Cruz Blanca in addition to the above post.

Donnybrook
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Re: Health Insurance -

Post by Donnybrook » Thu Aug 01, 2019 12:45 pm

I use Cruz Blanca and have done for years. The trouble is there are dozens of different plans. Mine has better coverage for hospital stays and lighter on the outpatient things. It suits me because of age etc. You can usually get advice at one of their offices. Mine is Santa Maria specific (more coverage but I can use another place if I want) and added Clinica Los Andes a few years ago. Integramedica is fine for small stuff. After a certain age you may find it difficult to join any private health plan.

at46
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Re: Health Insurance -

Post by at46 » Thu Aug 01, 2019 1:11 pm

Donnybrook wrote:
Thu Aug 01, 2019 12:45 pm
After a certain age you may find it difficult to join any private health plan.
I heard you can join up to age 65 and they drop you off at 75 no matter what. Is that correct?

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