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    Chile

    International Health Insurance in Chile

    Access one of South America’s best healthcare systems with private health insurance in Chile.

    Get a quote, it takes only 2 minutes!

    Get a quote now

    Lying in the heart of the Andes, the magical nation of Chile offers expats stunning environments, a fast-growing economy and one of the continent’s highest life expectancies.

    Almost a quarter of Chileans expand their healthcare options with private cover. Combined with the country’s comprehensive national healthcare system, private cover ensures you’re able to access quality medical care wherever you are.

    Support your new life in South America with health insurance for expats in Chile.
    Cigna Leaf

    How does the healthcare system work in Chile?

    Chile has a public healthcare system supported by salary deductions. Alongside this is a national private system that you can opt into if you wish.

    The Fondo Nacional de Salud (FONASA) is the public system and the ISAPRE is the private one. The public system is paid for through salary deductions. These are usually around 7% of your monthly income. The system helps with the costs of hospital visits, medical treatments, scans, and imagery.

    The private Instituciones de Salud Previsional (ISAPRE) offer an even higher standard of healthcare but does come at a premium price. As an expat, you’ll need to be a legal, tax-paying resident to qualify for the system. So, choosing private third-party cover can provide you with medical care if you’re waiting to access this.

    Opting for private healthcare through a third-party can give you access to multilingual staff and shorter wait times than the national systems. Plus, you can find quality care wherever you are in Chile. It can sometimes be difficult to access public facilities in remote mountainous areas.

    Discover everyday expat life in Chile
    Cigna Leaf

    Pros and cons of using Chile's healthcare system

    Pros

    • High standard of care.
    • Affordable.
    • Well-run system.

    Cons

    • Healthcare in remote areas is not on the same level as that found in the cities.
    • Only accessible to legal residents and tax-paying expats.
    • Long wait times for both government-led public and private systems.

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

    Support for impoverished people to get access to healthcare

    More for specialised services

    State-run

    Accessible to expats without residency

    Focuses more on primary healthcare

    Run by private enterprises

    Cigna Leaf

    How can international health insurance help you in Chile?

    Getting health insurance in Chile is key for foreigners wanting to move there. It’s tricky navigating the bureaucracy of getting set up in a country where you may not know the language or how the system operates.

    Private cover guarantees your financial future while you await legal residency or provides protection if your stay is a temporary one. Cigna Healthcare insurance can help you access multilingual doctors across Chile. You’ll be guaranteed you’re seen by quality healthcare providers quicker than most of the national system.

    Plus, our cover provides deeper, more varied access to treatments and options than the national system.
    greenLeaf

    Choosing your international health insurance

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    Answer a few questions and enter your personal details to get started.

    Choose your plan

    Compare plans and find a flexible package to suit your needs.

    Get protected

    Receive your quote and get protected today.

    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 Chile?

    • Health plan based on individual needs.
    • Round the clock access to support whenever you need it, every day of the year.
    • Individual and family plans available.
    • Choose from a pool of quality medical professionals across the nation.

    Get a quote today
    Trustpilot

    FAQs

    Can I add deductibles to my healthcare package ?

    Yes, you can add deductibles to your healthcare package with your personalised plan. If, for example, you choose to add $100 deductible, you’ll pay the first $100 of a claim. If your treatment costs $200, you’ll only pay $100.

    Does Cigna Healthcare cover dental treatment?

    Yes, Cigna Healthcare does cover you for instances such as emergency dental treatment. However, if you would like a more comprehensive package, you can get one that covers dental and vision to make the most of a more thorough offering.

    Does Cigna Healthcare cover outpatient treatment?

    International medical insurance covers you for a few outpatient expenses like anaesthetic costs for example. A bigger package is the International Outpatient module which has access to a wide range of outpatient services.

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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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