Health insurance in Costa Rica
Have you decided to live in or visit Costa Rica?
Don’t forget to purchase Costa Rica travel insurance or Costa Rica expat insurance for you and your family! This gives you peace of mind, and helps you to avoid any unexpected financial, health or legal risks. Coverage includes repatriation, hospitalization, civil liability and other medical expenses.
Student insurance Costa Rica
Insurance to cover your studies in Costa Rica.
From
27€
- Worldwide coverage
- Maximum age: 35
- Covers emergencies and accidents
- Covers hospitalization and routine medical care
- Up to €250,000 per year
- Standard dental and optical expenses up to €550
- Contraception coverage + vaccines
- Maternity care
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Costa Rica
Health insurance to cover your expatriation to Costa Rica.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers hospitalization and routine medical care
- Up to €1,500,000 per year
- Maternity coverage up to €4,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs up to €370
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Travel insurance Costa Rica
International health insurance to cover your trip to Costa Rica.
From
30€
- Worldwide coverage
- Maximum age: 85
- Covers emergencies and accidents
- Up to €500,000 per trip
- Covers loss, theft or destruction of baggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need advice?
Costa Rica health insurance information
Political system: Democratic Republic
Capital: San José
Surface area: 51,100 km²
Population: 4.906 million
Languages spoken: Spanish
Currency: Costa Rican Colon
How the Costa Rican healthcare system works
Costa Rica’s healthcare system is quite good, setting it apart from other Latin American countries, but it still has many flaws. It has the highest life expectancy on the continent, but only 78 years. It also has one of the lowest mortality rates on the continent, at 9%. If you’re planning to expatriate to Costa Rica or stay there for a while, this doesn’t mean that the system is similar to those in Europe. Indeed, healthcare personnel are less qualified and medical infrastructures and equipment less developed than in Europe. Another major problem facing the Costa Rican healthcare system is the fact that the public health sector is increasingly unable to keep up with demand.
The Costa Rican healthcare system has a social security system, financed by contributions from the state, employers and workers, which ensures that the entire Costa Rican population receives health care. In fact, over 85% of the population is covered by this social insurance scheme. This social security fund provides comprehensive health coverage and services under two types of insurance:
General public insurance;
Contributory public insurance.
Dues in Costa Rica
Costa Rica has set up a public healthcare system that is exclusive to Costa Rican citizens who are most in financial need. This means that all employed residents and expatriates must pay to access healthcare. As an expatriate, you will never be able to benefit from Costa Rica’s free healthcare system. To stay in Costa Rica, you must prove that you have sufficient income. This means you’ll have to pay the same contributions as Costa Ricans to the “Caja Costarricense de Seguro Social (CCSS)”, also known as “the Fund”. Contributions vary according to your salary (between 7% and 11%). As a retiree in Costa Rica, the amount of contributions will be assessed against the initial financial sum you declared when you applied for your visa.
In Costa Rica, there are three types of medical infrastructure:
- Hospitals ;
- Clinics ;
- The “ebais”.
The ebais are the basic health care teams considered to be the Caisse’s first line of health care, grouped together in medical centers. They are made up of at least one doctor, one orderly and one primary care technical assistant in medical records.
How do I consult a general practitioner or specialist in Costa Rica?
Firstly, you can go to an ebais or clinic to consult a general practitioner easily. Once you’re there, the waiting time can be quite long in an ebais. You’ll pay between $40 and $60 for a consultation with a general practitioner, with medication included in the cost. You’ll find ebais in almost every major city in Costa Rica, open from 7am to 4pm. It is strongly recommended that you arrive early, as the majority of the population go exclusively to the public sector for health care.
Private consultations
If you can afford to go to private hospitals or clinics, or if your private health insurance covers them, you’ll find numerous private services throughout the country. You’ll soon be under the care of a general practitioner, and the quality of service is superior to that of the public sector, although the cost of consultations will be higher – around $70 per consultation.
Public consultations
If you want to go to a public hospital to see a general practitioner, we advise you to bring a translator with you. There is no guarantee that the practitioner will speak English. Alternatively, ask in advance if a member of the health staff speaks English and can help you fill in health forms and speak with the doctor.
If you take medication regularly and need a prescription to pick it up at the pharmacy, try to find the Spanish name or equivalent beforehand. This will facilitate communication between you and your doctor and ensure that you get the right prescription.
Remember to bring your passport. We strongly recommend that you take out international health insurance. You’ll be able to get private treatment, which is highly recommended if you’re going to live in Costa Rica.
This also applies to specialist doctors. You can visit your embassy’s website for a list of specialists and general practitioners.
Pharmacies in Costa Rica
Make sure you have a prescription if you need prescription-only medication. A pharmacist may refuse to dispense a drug if you don’t have a prescription. The cost of medicines in Costa Rican pharmacies is lower than in Europe. However, you won’t find all the medicines you’re used to taking, and you’ll have to go for equivalent products. Beware: some medicines are not available at all. For example, abortion is not permitted in Costa Rica. Make sure you take along a contraceptive method and a morning-after pill in case of problems. Never buy medicines sold on the street, as there are countless counterfeit products.
Dental care in Costa Rica
Medical tourism is very popular in Costa Rica, where the care is good and recognized as among the best in South America. Dental treatment is less expensive than in Europe or North America, which is why many tourists come here for treatment. For standard dental care, you don’t need to worry: dentists in Costa Rica are highly qualified. We do, however, recommend that you consult a private dentist if you want to be sure of receiving quality treatment.
Here is a list of average fees charged by private dental practices in Costa Rica:
- Oral examination / specialist assessment / CT and pano radius: $200 ;
- Deep cleaning with scaling and root planing per dial: $140 ;
- Tooth extraction without surgery: $90.
Hospitals in Costa Rica
In Costa Rica, the quality of hospital care is one of the best in South America. However, the country is still a long way from joining the top 10 best healthcare systems in the world. This means that you won’t find the same quality of healthcare as in European countries. Hospital care is decent, but waiting times are very long. Most of the time, you’ll be faced with long queues before you can access a consultation with a health clinic. It is essential that you are covered by private insurance so that you can receive treatment in private clinics and hospitals. The quality of care is much better and waiting times much shorter.
Paramedical care in Costa Rica
You can consult an optician in Costa Rica at much lower prices than in Europe or North America. In fact, you’ll pay around three times less in Costa Rica for the same type of service. About $100 USD for a pair of prescription glasses, $130 for a pair of sunglasses.
Physiotherapists in Costa Rica can be found in specialized or independent clinics. In a specialized clinic, you’ll pay an average of $35 USD for a consultation and $40 USD for a neurology session.
All you need to know about pregnancy and maternity in Costa Rica
In both private and public hospitals, the cost of pregnancy and maternity is much lower than in Europe or North America.
If you are insured with AMO (Caja) or private health insurance, your childbirth and maternity costs will be covered. The difference between these two types of coverage is in the quality of care you will receive, depending on the coverage you choose.
Pregnancy in Costa Rica with public health insurance
If you have opted for Caja and are pregnant, your status will be that of “preferred patient”. In other words, you’ll be taken care of more quickly, and all the health care you need will be provided with shorter waiting times. Another advantage you’ll get with public health insurance is that all your baby’s care will be free until he or she is 1 year old. This includes blood tests, medical examinations and other expenses. However, it’s possible that your medical appointments will be made for you, and you won’t be able to reschedule them or change the appointment date. Finally, the possibility that you will be attended by a doctor who speaks only Spanish cannot be ruled out, as this could be a major obstacle to the smooth running of your pregnancy and maternity.
Pregnancy in Costa Rica with private health insurance
If you’ve opted for private health insurance, you’ll have much more choice when it comes to your maternity. In fact, you’ll have access to more flexibility in terms of the dates of your medical appointments, and you’ll also be able to choose which doctor will carry out your pregnancy follow-up. You’ll also benefit from even shorter waiting times than if you had “preferred patient” status in the public sector. The hospitals most recognized for the quality of their services and their state-of-the-art medical equipment are 3 private hospitals:
- Clinica Biblica
- CIMA
- Clinica La Catolica
Giving birth in a private hospital
Finally, in a private hospital, you also have much greater control over the progress of your birth. You set up your own Birth Plan. A Birth Plan is a structured plan, often written out, covering all the actions, appointments and examinations you will carry out before the birth, and finally the planning of your delivery (vaginal delivery or Caesarean section etc…). If you wish to have a choice of birthing method, it’s essential that you go private. You choose the room you want to stay in after the birth, and how long you want to stay. It’s a good idea to make sure that the doctor who will be monitoring your pregnancy speaks English, as this can relieve a lot of stress if you can communicate easily enough with your doctor. Not all public hospitals offer optional pain-relieving treatments such as epidurals, whereas in the private sector you’ll have the choice.
Once your child is born in Costa Rica, he or she can obtain Costa Rican and your nationality. If you plan to travel with your child before he or she reaches 3 months of age, you will need to obtain a “Permiso de Salida” issued by your doctor.
Vaccines in Costa Rica
If you’re planning to expatriate to Costa Rica, or to stay for several months or even years, you’ll need to have your vaccination schedule up to date. The vaccines that must be kept up to date are those against :
- Hepatitis A and B;
- Rabies;
- Typhoid.
There’s a low risk of contracting malaria, so when you’re in Costa Rica, we strongly recommend you wear long, loose-fitting, light-colored clothing, impregnated if possible with insecticide, especially mosquito repellent. Use DEET-based repellents (30% to 50%), Icaridine (30%) or Citriodiol on all exposed parts of your body when you go out.
Is it necessary to take out private international health insurance in Costa Rica?
The answer is yes. It is strongly recommended that you take out private international medical cover in Costa Rica, whatever your profile. In Costa Rica, access to public health care can be compromised, as demand far outstrips the capacity of health care facilities and personnel to care for the entire population. With the Caja, the compulsory health insurance scheme, the majority of Costa Ricans go to public health establishments for treatment. This results in extremely long waiting times, compromising access to healthcare. If you don’t speak Spanish, you’re unlikely to find a health center that understands and speaks your language. The likelihood of them speaking English is equally low. The quality of care is decent, but you won’t find the same level of comfort as in European hospitals. La Caja does not cover repatriation costs under any circumstances. If you are not covered by private insurance for repatriation, you will be responsible for all costs.
Which private international health insurance should I take out in Costa Rica, and for whom?
Whatever your profile, taking out health insurance is highly recommended if you want to stay in or expatriate to Costa Rica.
- Whether you’re an entrepreneur, a nomadic worker, an annuitant, a pensioner or a salaried employee, it’s essential that you take out GoldExpat private health insurance. On the one hand, to protect you against the cost of healthcare in private establishments. Secondly, to be covered in the event of medical repatriation to a foreign country. Also in your home country, so you’re covered for healthcare outside Costa Rica.
- If you’re going to Costa Rica as a tourist, it’s a good idea to take out travel insurance. In the public sector, waiting times and treatment can be very long. The quality of care is sometimes mediocre.
- If you’re a student going to study, do an internship or a humanitarian mission in Costa Rica, the same applies. We offer GoldStudent, an international health insurance plan tailored to your student profile.
If you would like more information, please contact one of our advisors by e-mail or telephone.
Visas and diplomacy
If you are a French national, you do not need a visa for tourist stays of less than 90 days. All you need is a passport valid for at least six months. If you wish to expatriate to Costa Rica, you will need a visa, depending on your situation in the country. We advise you to contact the Costa Rican consulate in your current country of residence to find out about the latest procedures.
Embassy of France in San José
En Curridabat Del Indoor Club – 200 Sur 50 Oeste –
BP 10177 – 1000 San José
Tel: [506] 234 41 67
Fax: [506] 234 41 95
Embassy of Costa Rica in Paris
4, rue Square Rapp – 75007 Paris
Tel: 01.45.78.96.96 – sect. consulaire 01.45.78.61.61
Fax : 01.45.78.99.66
Is Costa Rica safe?
As in other countries, follow the basic safety rules (i.e., don’t show off your wealth, don’t leave your belongings unattended, and depending on the area, don’t risk going out alone too late at night). The crime rate is high, with a steady increase over the past few years in the homicide rate due to drug trafficking. As for crimes against foreigners, snatchings are not uncommon, and there are occasional cases of armed robbery with assault.
