The best international health insurance plans for expats in Paraguay come from leading insurers, including Cigna, Allianz, GeoBlue, NOW Health Insurance, AXA, VUMI, Best Doctors Insurance, RedBridge, IMG, and William Russell. 

While healthcare in Paraguay operates under a dual public-private system, the public sector may fall short of international standards. As a result, many expats choose to receive care at private facilities, often supported by private health insurance to manage costs.

Are you moving to Paraguay and wondering how best to care fo your health as an expat living abroad? Are you looking for flexible, comprehensive benefits to maintain your health while still watching your budget?

In this Pacific Prime article, we take a closer look at top international health insurance options from our trusted partners, highlighting key plan features and coverage limits. Along the way, you’ll gain insights to help you choose the best provider and plan for your time in Paraguay.

Our Top Insurance Recommendations in Paraguay

The following insurers are well-regarded for their expat-friendly international health insurance plans in Paraguay:

• Cigna Global
• Allianz
• GeoBlue
• NOW Health International
• AXA
• VUMI
• Best Doctors Insurance
• RedBridge
• IMG
• William Russell

The providers listed above are presented without any ranking, as each offers high-quality international coverage suitable for expats in Paraguay. We will now examine their key plan features and benefits.

All monetary values are presented in United States Dollars, unless otherwise stated. 

Cigna Global for Expats in Paraguay

Cigna Global is a preferred insurance provider for expats, combining global reach, comprehensive benefits, and personalized customer service. 

International health insurance plans by Cigna offer expats in Paraguay varying coverage options. Expats may choose from their three core plan offerings—Silver, Gold, and Platinum—and select additional riders according to their needs.  

Plan highlights: 

• Maximum benefit limits range from $1,000,000 to an unlimited amount
• Worldwide coverage, with optional exclusion for the US
• 24/7 multilingual customer support and global telehealth services via the Cigna Wellbeing app
• The basic coverage includes inpatient treatment, pandemic and epidemic, ambulance service, mental health care, cancer treatment, and newborn care
• Maternity coverage is included in the Gold and Platinum plans 
• Add-on options:

• • Outpatient care
  • Medical evacuation and repatriation
  • Vision and dental care
  • Health and well-being

Plan	Annual Benefit Limit
Silver	$1,000,000
Gold	$2,000,000
Platinum	Unlimited

Allianz for Expats in Paraguay

Allianz is widely recognized for its strong financial stability, quick claims processing, and high customer satisfaction, making it a reliable choice for expats living in Paraguay.

Its international health insurance plans are available in three benefit levels—Care, Care Plus, and Care Pro. These plans are highly customizable, using a modular system that offers a range of optional add-ons and allows expats to tailor their coverage to suit both their healthcare needs and budget.

Plan highlights:

• Maximum benefit limits range from $2,500,000 to $5,000,000
• 24/7 global support, Expat Assistance Program (EAP), and travel security services
• Second medical opinion service
• Worldwide coverage, with optional exclusion for the US, and optional Africa-only coverage
• The basic coverage includes inpatient treatment, day-care treatment, pre- and post-hospitalization treatment, diagnostic tests, surgery expenses, local ambulance, medical evacuation, and a maximum of 42 days of emergency treatment outside the area of coverage
• Add-on options: 

• • Outpatient treatment
  • Dental care
  • Medical repatriation
  • Maternity care

Plan	Annual Benefit Limit
Care	$2,500,000
Care Plus	$4,000,000
Care Pro	$5,000,000

GeoBlue for Expats in Paraguay

GeoBlue provides international health insurance exclusively to globally mobile US citizens and legal residents. Through its strong affiliation with Blue Cross Blue Shield, GeoBlue offers access to a broad network of medical providers in the US and around the world.

American expats in Paraguay may choose from their two plan offerings—Xplorer Essential and Xplorer Premium—depending on whether they require US coverage. 

• Xplorer Premier offers worldwide coverage, including the US, where 80% coinsurance applies for in-network treatment. It also allows policyholders to travel to the US specifically for medical care.
• Xplorer Essential covers care received outside the US only, with the option to add limited US coverage for short-term illness, accidents, and emergencies.

Plan highlights:

• Unlimited annual and lifetime coverage
• Comprehensive support services, including responsive account management, online tools to assist with claims, and an extensive direct-billing network 
• Outside the US, basic benefits fully cover primary and preventive care, inpatient services, surgery expenses, diagnostic tests, ambulance service, in- and outpatient mental health, prescription drugs, medical evacuation, and pre-existing conditions
• Immediate coverage of pre-existing conditions with proof of previous coverage
• Add-on options:

• • Dental and vision care

Plan	Annual Benefit Limit	US Coverage
Xplorer Essential	Unlimited	$1,000,000 (for upgraded US coverage)
Xplorer Premier	Unlimited	Unlimited (80% coinsurance for in-network treatment and 60% coinsurance for out-of-network treatment)

NOW Health International for Expats in Paraguay

NOW Health is a fast-growing insurance provider known for their innovative approach to international health insurance coverage. The company offers benefit-rich plans along with clear, fast-claiming services to clients across Latin America and beyond.

Expats in Paraguay can choose between two core plans—SimpleCare and WorldCare—which differ in coverage levels and access to treatment in the US, allowing for flexibility based on individual needs and preferences.

Plan highlights:

• The SimpleCare offers three varying options of coverage, ranging from $1,000,000 to $1,500,000
  • The basic benefits include inpatient care, outpatient surgery, cancer care, organ transplant, medical evacuation, and repatriation 
• WorldCare offers four different coverage levels, ranging from $3,000,000 to $4,500,000
  • The basic benefits include inpatient care, outpatient surgery, consultations with general practitioners (GPs) and specialists, cancer care, organ transplants, medical evacuation, medical repatriation, and coverage for pregnancy-related medical conditions
• The plans are fully digital and include a virtual membership card for cashless payments
• Add-on options (availability depends on plan tier):

• • Routine dental treatment
  • Maternity care
  • US elective treatment (available only with WorldCare plans)
  • Wellness, optical, and vaccinations

Plan	Annual Benefit Limit
SimpleCare Core	$1,000,000
SimpleCare 100	$1,500,000
SimpleCare 200	$1,500,000
WorldCare Essential	$3,000,000
WorldCare Advance	$3,500,000
WorldCare Excel	$4,000,000
WorldCare Apex	$4,500,000

AXA for Expats in Paraguay

With decades of experience and more than 95 million clients globally, AXA is recognized for providing reliable, comprehensive, and flexible health coverage tailored to the diverse needs of expats.

Its international health insurance plans are available in five benefit levels—Foundation, Standard, Comprehensive, Prestige, and Prestige Plus—ranging from essential to premium coverage, allowing expats to select the level that best suits their requirements.

Plan highlights: 

• Maximum benefit limits range from $160,000 to $8,000,000
• Excellent customer support, with services including second medical opinions, virtual doctors, and mind health services
• The basic benefits include inpatient hospital charges and surgery, emergency cover, cancer care, ambulance transport, diagnostic tests, medical evacuation, and repatriation
• Higher-tier plans include coverage for non-routine dental care, outpatient treatment, and chronic conditions
• Add-on options:

• • Outpatient treatment, tests, and vaccinations (for plans not included by default)
  • Routine dental care

Plan	Annual Benefit Limit
Foundation	$160,000
Standard	$1,600,000
Comprehensive	$2,400,000
Prestige	$3,200,000
Prestige Plus	$8,000,000

VUMI for Expats in Paraguay

VUMI stands out for its proven track record in delivering VIP-level customer support and its strong expertise in international claims management. Expats in Paraguay seeking high-end benefits may find VUMI’s range of plans well suited to their healthcare needs.

Their Global Flex VIP international health insurance plan is available in five tiers of benefits: Basic, Standard, Superior, Ultra, and Total—each providing progressively higher levels of benefits.

Plan highlights:

• Maximum benefit limits range from $3,000,000 to $5,000,000
• Worldwide coverage, with optional exclusion for geographical areas, including the U.S.A., Africa, Asia, and the Indian subcontinent
• Competitive customer services, including 24/7 multilingual support, second medical opinions, and patient concierge services 
• Access to leading hospitals worldwide
• The basic benefits include inpatient and outpatient treatment, psychiatric treatment, diagnostic tests, organ transplants, cancer care, medical evacuation, emergency dental treatment, maternity and birth complications, and HIV/AIDS 
• Add-on options:

• • Wellness and optical benefits
  • Emergency and non-emergency evacuation to the country of choice, country of residence, and home country

Plan	Annual Benefit Limit
Basic	$3,000,000
Standard	$3,500,000
Superior	$4,000,000
Ultra	$4,500,000
Total	$5,000,000

Best Doctors Insurance for Expats in Paraguay

Best Doctors Insurance is a leading provider of international health insurance across the Americas. With a strong presence in the region, expats in Paraguay can have peace of mind knowing they are supported by the company’s comprehensive coverage and personalized care.

Best Doctors offers seven different international health insurance plans, which vary in benefits and coverage levels.  

Plan highlights: 

• Maximum benefit limits range from $1,000,000 to $10,000,000

• Worldwide coverage

• VIP-level customer support, including InterConsultation, Best Doctors Concierge, and Elite Navigator

• The basic benefits include hospitalization, intensive care, surgery expenses, emergency room, diagnostic tests, cancer care, emergency transportation, air ambulance, and prescribed medications 

• Add-on options:

• • Critical Select: A lump-sum payout to support immediate costs and lifestyle changes in the event of a major illness like a stroke or heart attack

Plan	Annual Benefit Limit
Ultimate Care	$1,000,000
Medical Select	$1,000,000
Medical Care	$3,000,000
Global Care	$5,000,000
Premier Care	$7,000,000
Premier Plus	$7,000,000
Medical Elite	$10,000,000

RedBridge for Expats in Paraguay

RedBridge is a popular choice among Latin American expats and global travelers, known for its strong regional presence in Latin America and the Caribbean, generous coverage limits, and low copayment rates.

With eight plan options available—each offering varying benefit limits—expats in Paraguay can select a plan that best fits their healthcare needs and budget.

Plan highlights: 

• Maximum benefit limits range from $500,000 to $7,000,000
• Worldwide coverage 

• 24/7 multilingual support
• Exclusive member care, with services such as pharmacy and second medical opinion services, telemedicine, travel and funeral assistance, and transportation and lodging coordination 
• The basic benefits include inpatient care, outpatient treatment, cancer care, maternity benefits, hereditary conditions, preventive medical routine checkups, and emergency transportation

Plan	Annual Benefit Limit
RedChoice Care	$500,000 or $1,000,000
RedSpecial Care	$3,000,000
RedProtection Care	$3,000,000
RedInpatientPlus Care	$5,000,000
RedSupreme Care	$7,000,000
RedMax Care	$5,000,000
RedPrime Care	$6,000,000
RedUltra Care	$7,000,000

IMG for Expats in Paraguay

IMG is a globally recognized provider of international health and travel insurance with over 30 years of experience. Their extensive reach and long-standing reputation make them a trusted choice for expats living in Paraguay and beyond.

The Global Medical international health insurance plan by IMG offers multiple coverage tiers—Bronze, Silver, Gold, and Platinum—catering to expats’ varying needs. 

Plan highlights:

• Maximum benefit limits range from $1,000,000 to $8,000,000
• Worldwide coverage, with optional exclusion of the US, Hong Kong, Japan, Macau, Singapore, and Taiwan. 
• Enhanced benefits, including emergency medical evacuation support, travel and medical concierge, and 24/7 multilingual support
• The basic coverage includes inpatient and outpatient treatment, surgeon and surgery fees, diagnostic tests, cancer care, local ambulance, medical evacuation, and return of mortal remains 
• The Platinum plan includes coverage for political evacuation and repatriation, dental, vision, maternity, and newborn care 

• Add-on Options:

• • Dental and vision care (for plans not included by default) 

Plan	Annual Benefit Limit
Bronze	$1,000,000
Silver	$5,000,000
Gold	$5,000,000
Platinum	$8,000,000

William Russell for Expats in Paraguay

As an independent boutique insurance provider without shareholder obligations, William Russell prioritizes a personalized approach and focuses on delivering the best plans and support to its expat members in over 160 countries.

They offer four core plan selections: Bronze, SilverLite, Silver, and Gold, each with a different level of coverage to match a range of healthcare needs and budgets.

Plan highlights: 

• Maximum benefit limits range from $1,500,000 to $5,000,000
• Worldwide coverage, with seven flexible options for regional exclusions
• A dedicated contact instead of impersonal call centers to assist with your policy
• 24/7 medical emergency line and travel safety application
• The basic coverage includes inpatient treatment, outpatient treatment, surgery expenses, local ambulance, cancer care, diagnostic tests, medical evacuation, repatriation of mortal remains, HIV/AIDS, and pregnancy complications
• The Gold plan includes coverage for routine maternity and dental care, mental health treatment, and wellness and vaccinations 
• Add-on Options:

• • Routine maternity and dental care (for Silver and SilverLite only)

Plan	Annual Benefit Limit
Bronze	$1,500,000
SilverLite	$1,500,000
Silver	$2,500,000
Gold	$5,000,000

Why Use a Broker for Health Insurance in Paraguay

For expats settling in Paraguay, working with a knowledgeable insurance broker can make managing healthcare and insurance far simpler. From comparing plans and filing claims to managing policies to offering ongoing guidance, brokers provide valuable support every step of the way.

Unbiased Advice

Brokers act on behalf of the client, not the insurer, giving brokers the freedom to recommend plans from various providers. Unlike agents tied to one company, independent brokers can offer a wider selection of options and ensure expats receive advice that’s tailored to their individual needs. 

Global Expertise with Local Insight

Insurance brokers blend their knowledge of the global insurance market with practical understanding of the local healthcare system. By considering your personal needs and budget, they can help you find a plan that truly fits your situation.

In Paraguay, public hospitals often face challenges such as supply shortages, overcrowding, and limited ICU capacity, which can affect both quality and access to care. For this reason, private health insurance is essential for expats seeking reliable access to medical services in the private sector. 

A skilled broker can guide you through these complexities, help you compare your options, and ensure your insurance plan meets your expectations for care.

Cost Savings

By leveraging long-standing relationships with top insurance providers and in-depth market insights, brokers can offer access to plans that deliver more value. This typically translates into better pricing and benefits than what individual buyers may secure on their own. 

Value-Added Services

A reliable broker offers continuous help throughout your insurance journey—handling claims, managing renewals, and liaising with providers—all included as part of their service at no extra charge.

Secure Your Coverage in Paraguay with Pacific Prime

International health insurance plans from leading insurers such as Cigna, Allianz, VUMI, Best Doctors, and more help expats ensure access to quality care during their time abroad in Paraguay and beyond without worrying about high out-of-pocket costs. 

These plans come in a variety of types and coverage levels, offering expats a wide range of options to suit different needs and budgets. However, with so many choices available, selecting the right one can feel overwhelming.

With over 20 years of experience as a trusted insurance brokerage, Pacific Prime helps expats relocating to Paraguay navigate the process and find an international health insurance plan that fits—whether you’re moving alone or with your family, staying long-term or just for a short while.

Are you looking for guidance? Contact us today for a FREE plan comparison and our expert, impartial advice. 

For other Latin American countries, discover our guides on the Best International Health Insurance for Expats in Bolivia and Ecuador. 

Frequently Asked Questions

What is the importance of having international health insurance as an expat in Paraguay?

International health insurance is essential for expats in Paraguay to access quality private care without facing high out-of-pocket costs. Local plans may offer limited coverage, so comprehensive international insurance provides more reliable protection, especially for major medical needs.

How much does health insurance cost for expats in Paraguay?

The cost of health insurance for expats in Paraguay varies depending on factors like age, health status, and the level of coverage selected. On average, international health insurance plans cost around USD $4,690 per year for individuals and USD $12,926 for families.

What coverage options are available for expats in Paraguay?

Expats in Paraguay can access public health insurance through the Instituto de Previsión Social (IPS), local private health insurance, and international health insurance. Expats are generally advised to have international insurance coverage due to limitations in the public system.