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Pre-existing Conditions

If you have a pre-existing condition that the Insurance carrier has classified as common, for example Diabetes II, Hypertension, etc. You can get coverage, but with an exclusion on this condition. There are a few exceptions. This is determined case by case by the underwriting team once we submit your application.

If you have an autoimmune/degenerative condition like HIV, or Multiple sclerosis, the insurance carriers will not be able to offer any coverage. You then have the option to obtain a Travel Plan or Medical evacuation but not a health insurance plan.

It is important that you to consider that health insurance plans are designed to cover major medical expenses for long term. These plans are renewed on an annual basis with them, most likely requiring an initial medical evaluation and approval to secure life term coverage. If you spend at least 6 months in Mexico each year we recommend that your sign up for a health insurance plan to secure your long term coverage. It is important to purchase a health insurance policy BEFORE you experience a major medical event.

Immigration status & Age

Immigration Status: All Mexican health plans require your Temporary/Permanent Resident Card. Residency status will not affect the premiums on your policy.

Is there an ideal age to purchase a policy? The ideal time to secure coverage is before turning 59, although we do have plans available for applicants up to 100 years of age.

MAPFRE requires lab work starting at age 59. Other insurers typically begin requiring lab work at age 65. Being prepared and in good health when you apply can help lead to better results.

Difference between Health and Travel

It is important to understand the difference between a health insurance policy and a travel insurance policy when choosing your coverage, as the two are often confused due to both providing medical benefits. While both policies cover medical care, a health insurance plan is designed to provide long-term, comprehensive medical coverage for individuals who are residing in Mexico. In contrast, a travel insurance policy is intended to cover emergency medical treatment during a temporary stay in Mexico for a defined period, it can be a minimum 6-day policy or up to 1 year.

Travel insurance policies do not require a medical application; however, they exclude any conditions related to prior medical history. This exclusion applies each time the policy is purchased, which means these plans are not suitable for long-term or ongoing medical care, unlike a health insurance policy.

Learn their difference

TRAVEL

  1. Short term coverage.
  2. No medical questionnaire or medical exams needed.
  3. Each trip you purchase the plan for, it is subject to medical history exclusions.
  4. Low costs.
  5. Does not cover cancers or any other long term conditions.
  6. Covers medical emergencies and accidents.

HEALTH

  1. Long-term coverage.
  2. A medical questionnaire needed and sometimes medical exams.
  3. Defined approval conditions for life.
  4. Higher costs.
  5. Covers long-term condition.
  6. Covers medical emergencies and accidents.
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Health Insurance for Expats in Mexico

When relocating outside your home country, preparing for life in a new place can feel overwhelming. Medical coverage is no exception. That’s why we’re here—to help you understand the Mexican healthcare system and find the medical insurance plan that best fits your needs.

When it comes to health insurance programs specifically for expats in Mexico, Novamar leads the way with English speaking staff located in Mexico since 2009. Our Health Insurance programs in Mexico have been specifically designed to suit the needs of the Expat community in Mexico.

From basic to elite international health insurance companies in Mexico, our Health Insurance plans offer different on costs and benefits. We ensure to work only with providers that can guarantee a high level of customer care. For this reason, we do not work with every insurance company in the market, only the most reputable.

From comprehensive, premium plans such as BUPA and Pan-American to more competitive and essential coverage options within Mexico or through offshore providers, each plan offers distinct advantages depending on your specific needs.

Here are some bullet points that can help serve a guide:

We have three different categories of insurance programs, which one is right for you?

  • We have premium providers such as BUPA, Pan American, BMI & among others for extensive worldwide coverage. These include USA coverage and are at the higher end as far as costs and benefits.
  • We also offer Mexican national plans for your essential coverage in just Mexico (Mapfre, GNP, Plan Seguro among others). These plans are usually more attractive in rates and guarantee financial stability as Mexican registered insurance companies. If you opt for a National plan be sure that your health insurance executive clearly explains what will be your copay and your waiting periods as these are important distinct characteristics.
Age limits
  • Age limit to apply for a National Plan for coverage in Mexico only: 64-74 depending on the insurance provider.
  • Ages 74 and onward, We have only one option available: Plan Seguro which can issue new policies up to 100 years of age.
  • We recommend that our clients applying for a plan before reaching age 64 for a larger variety of options.

What if I only want catastrophic coverage You can opt for a very high deductible. For further information, please contact our health insurance department and we will gladly assist you.

For a free consultation please fill out your request and our Health insurance specialist will connect with you.

Novamar Health Insurance Policy Features

An orange star Variety of Limits of Protection.

An orange star COVID Included.

An orange star Zero Deductible Option Available.

An orange star Direct Payment with Hospitals and Clinics.

An orange star Medical and Funeral Repatriation Expenses.

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Based on the terms from the health Insurance Providers, we cannot offer a health insurance plan. Don’t worry! We can offer a Travel medical plan or a medical evacuation plan.

Travel plans can cover emergencies during a defined length of time in Mexico, but not long term treatments or conditions. Preexisting conditions are not covered with the exception of GeoBlue. This plan is exclusive for American citizens and their costs go as high as $1.700 dollars a month. Our other Travel providers offer friendlier costs but exclude preexisting conditions.

If you would like further information on a Travel medical plan:

click here

Medical evacuation plans cover the transportation from Mexico to your hospital of choice in the USA or Canada. Medical Evacuation plans are $595 dollars per year per person. This plan does not cover medical expenses, only the transportation to your hospital back in your home country.

If you would like further information on a medical evacuation plan:

click here

Congratulations! Now is the best time to begin your plan and secure your good health for your future.

You will receive a personalized quote within the next 24 hours, from one of our sales representatives. We are honored to provide our feedback and answer any of your questions.

Here are some ballpark figures for you!

Note: Preexisting conditions are usually excluded from coverage with a few exceptions.That will be determined during your applicaiton process. These quotes are not definitive but an estimate so you may begin the process with an idea on the costs.

BUPA logo
Worldwide Coverage
BUPA logo
Worldwide Coverage excluding USA
BUPA logo
National Coverage
Age Annual Cost Annual Cost Annual Cost
40 $4,025.66 USD $2,590.00 USD $980.68 USD
45 $4,601.84 USD $2,968.00 USD $1,151.68 USD
50 $5,389.42 USD $3,336.00 USD $1,416.74 USD
55 $6,741.74 USD $3,694.00 USD $1,775.63 USD
60 $9,013.66 USD $4,044.00 USD $2,308.74 USD
65 $13,056.87 USD $5,693.00 USD $3,188.00 USD
70 $18,360.83 USD $7,246.00 USD $4,524.21 USD
74 $23,714.37 USD $8,494.00 USD $6,003.05 USD
Deductible $2,000.00 USD $2,000.00 USD $2,000.00 USD
Co-insurance N/A 10% with a limit of $2,000 USD for inpatient 10% with $2,500 copay limit
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Top-Rated Underwriters

Health Insurance FAQ’s

Yes, we have a specific policy designed to cover Medical Emergencies including Covid-19. It is Mapfre’s Covid-19 Travel Policy. Please contact us to advise you with a quotation and further details.
Yes, our health insurance policies cover Covid-19. Please contact one of our health executives to present you with our options for you.
The short answer is no. Health Insurance applications must be first submitted though underwriting where you will provide information regarding your medical history. Generally, preexisting conditions will have some sort of restriction on the policy. The coverage proposal is determined on a case-by-case scenario and it will depend on the severity of the risk presented by the condition. Once you are signed up, however, any condition that may arise during the life of the policy will be covered lifetime according to the terms and conditions of your policy.
Novamar Insurance Mexico has specialized in providing insurance solutions for the expat community since 2009. We offer communication in English, as well as a courtesy translation of important documentation –including your insurance policy.
Novamar will help you understand the claim documentation needed for the insurance company but as your broker we are not authorized to intervene in the process. The insurance company executive will facilitate and manage your claims directly.
IMSS is also a government healthcare program mostly for employees, however some expats also join. The annual fee is approximately $400 and is renewed annually. People with pre-existing conditions are normally not accepted in the IMSS Program. The downside of depending on IMSS for all your healthcare is that you have no control over the doctors or specialists that you see for your problems. Sometimes the wait to see a doctor or to receive medication can be uncomfortably long in very crowded hospitals.
Seguro Popular is a Mexican government healthcare program. Seguro Popular has many hospitals and hundreds of clinics throughout Mexico. Expats must have a Temporary or Permanent Resident visa to qualify. There are no pre-existing conditions restrictions and there is no age limit. Your insurance starts immediately and is nationwide. You should always present the enrollment approval form and number when needing care.?Coverage is for 3 months to 3 years. This insurance was designed to serve the poorest of the poor.
The insurance companies have English assistance 24/7.
Some Insurance companies have a network of hospitals and doctors, and if you prefer to be treated at a hospital or with a doctor out of their network, they would cover you through reimbursement up to a certain limit. You can consult with your insurance agent who can tell you what is the amount of coverage included in your policy for out of network treatments. At Novamar Insurance Mexico we have plans that allow you to choose any hospital in Mexico.
The Facturas and bills should to be under the insured name.
An RFC is a personal identification code Mexican citizens have for life. When Americans and Canadians (or any other foreigner) don’t have a Mexican residence card, they don’t have an RFC. A general RFC code is used for this group of people recognized by any institution in Mexico. When you need a Factura but you don’t have your own RFC, you can have your Factura issued under this general RFC code.
A Factura is a receipt. The only difference is that a Factura has an official number that Mexican Insurance companies need in order to pay reimbursements. When you ask for a Factura, you need to provide your RFC.
Yes, some insurance companies offer coverage in case of an accidents with no deductible or coinsurance from the first day of coverage (No waiting period).
You would have to submit an official invoice (Factura) to the insurance company for reimbursement. If any laboratory studies are prescribed you also need to submit a medical report, prescription, and laboratory official invoice. The insurance company will apply coinsurance and reimburse the rest.
An insurance policy can only be cancelled by the insurance company for non-payment or by omitting and stating false information on the insurance application. It is very important NOT to let your health insurance policy lapse for any reason.
Premiums are calculated in increments of 5 years of age (from 50 to 55, from 56 to 60, etc.). Insurance Companies review their premiums yearly. Rates depend on the insurer's loss experience historical, current, and predicted future medical costs. While rates increased about 8% annually industrywide in 2016, premiums are a fraction of what people pay for similar coverage in the U.S.
Renewal is automatic. You will be notified by Novamar about a month before your renewal date.
Your age, place of residence, deductible, coinsurance and optional coverages selected.
Coinsurance is a co-participation after you have met your policy deductible, this is common with Mexican Insurance Companies. We offer some plans without coinsurance.
The Mexican Insurance Companies have a deductible per medical condition. Every time an insured submits a claim for a new medical condition or illness, he or she has to cover the deductible. After the deductible is met, the insurance company will continue paying bills related to that illness or medical condition as long as the policy remains in effect and the policy coverage limit has not been exhausted. With these policies, it is better to choose the lowest deductible. With Foreign insurance companies, just one deductible is applied per person per year. You can accumulate medical bills during the year. Once the policy deductible has been reached, the insurance company will pay the rest.
It is the date on which the policy begins. The policy begins on the exact date which the insurance company accepted the application, not the date the policy is delivered. Waiting periods begin on the inception date.
The only way to eliminate waiting periods is by having a current Mexican Insurance policy that has been paid for. That way you can change insurance companies without starting another waiting period.
It's the period of time specified in a health insurance policy which must pass before some or all of your health care coverage can begin. For some illnesses like cancer or HIV you have wait 2 or 4 years before being covered. This is why it is VERY IMPORTANT to have a health insurance in place before a medical condition occurs.
You can make changes upon renewal and up to 30 days after your renewal date, including changing deductible amounts, provided there have not been any claims.
Yes, you can purchase a Travel Insurance Policy to cover you from 1 to 180 days.
Yes, we have a plan with coverage for persons living outside of their country of residence and with a Tourist Visa Only.
Cancer, neurological conditions, any medical conditions that occurred less than 90 days from signing the application. Conditions not accepted vary from company to company and Novamar Insurance Mexico's mission is to find the best policy to suit your individual situation.
Applicants 65 years and older must submit to a medical examination which normally consists of urinalysis, blood chemistry of 6 elements, electrocardiogram at rest, and a medical examination. Applicants who are younger than 65 years of age may be required to submit to a medical examination if certain medical conditions are present.
The age limit with some Mexican Insurance companies is 64. Now in Mexico you can find some Health Insurance companies who accept you up to 74 years old and we work with some of them. Underwriters may require a medical exam before being if they consider it necessary.
Any illness or surgical procedure declared on the application will be considered a pre-existing condition by the insurance company. In some cases, the insurance company could impose a restriction or require a waiting period.
The most important information is the person's age, height and weight, place of residency and pre-existing medical conditions.
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