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Bupa is one of the biggest health insurance companies for expats in Mexico, thanks to its generous second medical opinion coverage. With a global network of doctors spanning over 190 countries, plans from BUPA also offer expats worldwide coverage with the option for lifetime renewals.
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Are you an expat in Mexico and you’re interested in Bupa specifically? Are you looking to ensure your safety abroad in Mexico? In today’s blog post, we will be discussing health insurance for expats in Mexico from Bupa to help expats with making health insurance decisions effectively.
About Bupa Insurance in Mexico
Established in 1947 and having 38 million customers across 190 countries, Bupa is a health insurance provider that stood the test of time thanks to its customer service and 24-hour medical assistance through their global virtual care.
Bupa Global is Bupa’s division specializing in international health insurance plans for expats, families, groups, and businesses. The available health insurance plans from Bupa will depend on where the expat lives and Bupa has a large direct billing network and lifetime renewals.
Because they do not require specialist referrals and members can seek out second medical opinions, Bupa Global became well-loved among their members.
Bupa Global Health Insurance in Mexico
Bupa Global offers health insurance for individuals and families, as well as businesses and groups. Below are descriptions of each health insurance offering from Bupa Global.
Individuals and Families
Bupa Global’s health insurance plans for individuals and families range from major medical expenses to comprehensive plans designed to cover wellness examinations. More comprehensive health insurance plans can cover a limited number of young children at no additional cost.
Businesses and Groups
Bupa Global’s health insurance plans for businesses and groups serve small to medium-sized companies worldwide. Their premium plans are also available for companies located in the UK and the UAE.
Bupa Global also offers specialized health insurance plans designed for specific industries. For instance, Bupa Global offers specialized health insurance plans for the gasoline industry, the waterborne shipping and yachting industry, the mining and exploration industry, and international schools.
Network of Healthcare Providers and Hospitals under Bupa Global
Bupa Global also has an extensive network of healthcare providers and facilities available for expats seeking medical care in Mexico. For a list of hospitals and healthcare providers available in Mexico under Bupa Global’s network of facilities, please click here.
What Makes Bupa Global a Favorite Among Expats in Mexico
From reasons such as the extensive network of healthcare facilities to specialist accessibility without the need for referrals, Bupa Global is a favorite among expats living in Mexico. Below are key reasons why expats in Mexico would love Bupa Global.
- Online and app access to health insurance information and support through MembersWorld
- In-hospital coverage for private rooms
- Covers two children under the age of 10 at no additional cost
- Second medical opinion
- Direct access to specialists without the need for referrals
- Lifetime renewals
- Customized health insurance plans
- 24-hour medical support through Global Virtual Care
- Direct Billing
- Extensive network of healthcare facilities
Health Insurance Plans from Bupa Global for Expats in Mexico
Bupa Global offers four different tiers of health insurance plans such as Major Medical being their basic plan, Select plan, Premier plan, and Elite being their most comprehensive health insurance plan available. Each plan will have their fair share of benefits and some limitations.
For insurance, the major plan covers unforeseen medical emergencies but at the cost of lacking wellness coverage while the premier plan covers medical evacuation but lacks medical repatriation coverage. Below are brief descriptions for each health insurance tier from Bupa Global.
Major Medical
Bupa Global’s Major Medical plan is designed for expats worldwide by covering unforeseen emergencies and major medical expenses. Additionally, the Major Medical plan also covers medical evacuation and repatriation. However, this plan does not cover wellness or routine appointments.
Bupa Global’s Major Medical plan has an annual deductible of GBP 2,500,000 (which is approximately USD $3,174,200 or 58,849,826.71 Mexican Pesos).
Select
Bupa Global’s Select plan is a basic health insurance plan but with regional coverage rather than worldwide. The Select plan covers health screenings and wellness examinations after a 10-month waiting period while lacking maternity, dental, and optical coverage.
Bupa Global’s Select plan has an annual deductible of GBP 1,250,000 (which is approximately USD $1,587,100 or 29,424,913.36 Mexican Pesos).
Premier
Bupa Global’s Premier plan covers health screenings and wellness examinations, after a waiting period of 10 months, along with vaccinations and dental and vision care. However, while the Premier plan covers medical evacuation, the plan lacks repatriation coverage.
Bupa Global’s Premier plan has an annual deductible of GBP 1,875,000 (which is approximately USD $2,380,600 or 44,136,443.03 Mexican Pesos).
Elite
Being Bupa Global’s most comprehensive plan, the Elite plan covers medical evacuation and repatriation along with complementary therapies. Additionally, the plan also covers health examinations, routine maternity care, as well as dental and optical care after a 10-month waiting period.
Bupa Global’s Elite plan has an annual deductible of GBP 3,750,000 (which is approximately USD $4,761,300 or 88,274,740.06 Mexican Pesos). Do keep in mind that as of July 1st, 2021, Bupa Global no longer offers travel insurance.
Hospitals in Mexico
Most hospitals in Mexico offer excellent medical care, are staffed by highly-trained doctors, and medical care is generally affordable. However, public hospitals may lack multilingual staff, which can be problematic for non-Spanish speaking expats living in Mexico.
Additionally, certain public hospitals in Mexico may be overcrowded and waiting times may be longer than expats would like, even for non-emergency cases. If expats in Mexico live in rural areas, finding hospitals or clinics in rural areas may be more difficult.
Private hospitals, despite being more expensive, shine in its ability to offer shorter waiting times regardless of whether their patients are there for emergency or non-emergency cases.
While public hospitals may lack multilingual staff, private hospitals offer expats free doctor selections, allowing them to choose the doctors they would like to see, which may include multilingual doctors in case the expats can’t speak Spanish.
Using US Health Insurance in Mexico
Most US health insurance plans won’t offer any benefits for US expats in Mexico. Most US health insurance plans will cover the state they live in, some plans cover throughout the US. Thus, you’ll need to verify what exactly is covered when you leave the US in favor of Mexico.
Having an international health insurance policy is the best way to ensure overseas coverage so that you can choose treatment in your country of choice.
Health Insurance Cost for Expats in Mexico
For expats in Mexico, the average health insurance cost is USD $5,900 (approximately 108,780.07 Mexican Pesos). Majority of US citizens also opt for additional US coverage, resulting in higher premiums.
Frequently Asked Questions
Does Bupa cover internationally?
Bupa’s international private health insurance plans are designed for international usage, offering expats premium healthcare journeys with direct access to a global network of healthcare specialists and facilities, all without the need to wait for a referral.
Can I buy private health insurance in Mexico?
There are two primary options for expat health insurance in Mexico using the temporary or permanent residence visas. These include public health insurance through the country’s national healthcare system, IMSS (Instituto Mexicano de Seguro Social), or private health insurance.
Is Mexico’s health insurance good?
Mexico’s public health insurance overall is good and much cheaper in comparison to the United States. However, depending on the severity of your illnesses or injuries sustained, you may risk incurring higher costs. Thus, it’s best to have private health insurance in Mexico.
How can expats get health insurance in Mexico?
Foreigners who live and are employed in Mexico are eligible for IMSS coverage, a popular option for health insurance in Mexico among working expats with a temporary or permanent residence visa.
What happens if I do not have health insurance in Mexico?
If you lack health insurance in Mexico, you will need to pay out of pocket expenses in the event of unforeseen medical emergencies such as sudden illnesses or injuries. You’ll need to arrange a health insurance policy that is valid for coverage in Mexico and can cover you and your family members.
Conclusion
In conclusion, Bupa’s various health insurance plans such as Major Medical, Select, Premier, and Elite have something for every expat in Mexico but most of them will have their share of limitations.
For instance, the major medical plan covers medical emergencies as well as evacuation and repatriation while lacking wellness or routine appointment coverage. On the other hand, the select plan covers screenings but not maternity, dental, and vision care.
As a leading international health insurance broker, Pacific Prime has over 20 years of matching both expats and local citizens to a health insurance plan that suits both their budget range and unique healthcare needs.
Whether you’re a Mexican citizen yourself or an expat in Mexico, our team of specialists will be more than happy to help you find the right health insurance plan. If you have any further questions, please get in touch with us and get a free quote here.
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Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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