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    Argentina

    International Health Insurance in Argentina

    Safeguard your future ahead of your new life abroad with private health insurance in Argentina.

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    Protecting your health can give you peace of mind to explore the country’s endless prairies, long coastlines, and towering Andes mountains, knowing that your health and safety are in good hands.

    Argentina is a wonderful place to live. It has a lot to offer expats, from lovely weather, friendly people, and a developing infrastructure that’s arguably the best in South America. Argentina’s capital, Buenos Aires, provides an endless stream of adventure featuring culturally rich food, tango, and fine arts.

    How does the healthcare system work in Argentina?

    Argentina’s healthcare system is decentralised, meaning that primary healthcare is often managed independently by each city.

    While most cities have generally good public care, the quality may vary from region to region. Argentina’s medical system is divided into three main sectors: public, social security, and private.

    Public sector

    For the public sector, all medical appointments, hospital visits, palliative care, dental care emergency medical transport, prosthetics, and rehabilitation services are free of charge. Charges are only placed on prescriptions, and these are usually subsidised.

    Social security sector

    The social security sector (OS) is used by formal sector workers who participate in one of the 300+ union-run health insurance schemes.

    These schemes are monitored by the national health insurance administration and outsourced to private providers. Employers pay fixed fee contributions from employers depending on their level of coverage.

    However, each OS must guarantee minimum coverage for medical, diagnostic, preventative, maternity, and dental care. The patient also has the responsibility to cover the difference between the OS coverage and the final bill for treatment.

    Private sector

    The private healthcare sector caters for about 5-9% of the Argentinian population. Private sector insurance must provide a minimum of the same benefits as the OS sector.

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    Pros and cons of using Argentina’s healthcare system

    Pros

    • Non-residents do not require any special documentation or registration to get access to the public healthcare system. You’re only required to carry your local identification such as a residency permit.
    • Public healthcare is inexpensive. You’re only required to pay for prescriptions, which are also subsidised.
    • For private healthcare, you don’t require a lot of paperwork to register. Only a piece of personal identification, such as a passport, is all that’s needed.

    Cons

    • For public healthcare, waiting times can be painstakingly long.
    • It may be difficult to find English-speaking medical staff in some locations.
    • For private health insurance in Argentina, most facilities may require you to pay upfront and get reimbursed through your insurance provider, so you may need to bring along your credit card to access medical care.

    What’s the difference between public and private care in Argentina?
    Public Private

    Public healthcare is free for all people, regardless of age or any underlying conditions.

    The level of cover you may get depends on factors such as your individual needs, budget, medical history, and your age.

    While quality of care is generally good, waiting times can be frustratingly long.

    There is less paperwork to fill out, and you’ll only need your identification to sign up for cover.

    Prescriptions are subsidised, with patients paying up to 60% with no chronic conditions and 30% for those with underlying chronic conditions.

    Payment is usually upfront for most private healthcare facilities, and you might have to carry your credit card to cover the cost.
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    How can international health insurance help you in Argentina?

    Foreigners in Argentina can get access to both public and private healthcare. The public health services are generally good – well, that’s if you’re not in a hurry. The downside is that waiting lists for public healthcare can be painstakingly long, which is why so many expats prefer to seek their health services from Cigna Healthcare.

    With Cigna Healthcare, waiting times for treatment are reduced significantly, there’s less paperwork to worry about, and you’ll be able to access healthcare options across the nation.

    International health insurance in Argentina can bring a host of benefits such as:

    • Freedom to select a qualified physician, clinic, or hospital of your choice.
    • Emergency hospitalisation, evacuation, or repatriation if needed.
    • Worldwide coverage, even if you move from Argentina to a neighbouring country.
    • Ability to access multiple currency options for payment.
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    Choosing your international health insurance

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    Cigna Global Health Options Plans
    Silver

    Worldwide or worldwide excluding USA cover

    Overview

    The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.

    Available additional modules:

    • Outpatient
    • Evacuation and Crisis Assistance Plus™
    • Health and Wellbeing
    • Vision and Dental

    Core hospitalisation cover overview:

    • Annual benefit limit: $1,000,000

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Newborn care cover
    Gold

    Worldwide or worldwide excluding USA cover

    Overview

    Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.

    Available additional modules:

    • Outpatient
    • Evacuation and Crisis Assistance Plus™
    • Health and Wellbeing
    • Vision and Dental

    Core hospitalisation cover overview:

    • Annual benefit limit: $2,000,000

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Inpatient Maternity
    Platinum

    Worldwide or worldwide excluding USA cover

    Overview

    Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.

    Available additional modules:

    • Outpatient
    • Evacuation and Crisis Assistance Plus™
    • Health and Wellbeing
    • Vision and Dental

    Core hospitalisation cover overview:

    • Annual benefit limit: Paid in full

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Inpatient Maternity

    • Mental and Behavioural Health care paid in full

    Cigna Close Care℠ Plan

    Close Care

    Country of residence + Country of nationality
    Overview

    An essential health plan created for those who need coverage only in their country of residence, and their country of nationality.

    Available additional modules:

    • Outpatient and Wellness Care
    • Dental Care and Treatment
    Core hospitalisation cover overview:

    • Annual benefit limit: $500,000
    • Condition limit: $250,000
    • Inpatient and daypatient treatment
    • Semi-private room
    • Full cancer care

    Why choose Cigna Healthcare for health insurance in Argentina?

    • There’s less paperwork to worry about as Cigna Healthcare handles all the formalities behind the scenes.
    • 24-hour emergency assistance and helpline available to respond all to your inquiries or emergencies.
    • Less waiting times for both inpatient and outpatient visits.
    • Greater chance of being seen by an English-speaking physician.

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    FAQs

    Are pre-existing conditions usually covered by international health insurance?

    Pre-existing medical conditions are illnesses that you suffer from prior to your health insurance application. Pre-existing medical conditions are usually not covered, but some insurance companies will offer benefits for pre-existing medical conditions.

    Can I get coverage for maternity while abroad?

    Pregnancy and maternity benefits are usually not included in most international health insurance covers as they are classified as pre-existing conditions. However, some covers will provide benefits after a specific waiting period.

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    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

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