Insurance Options for Foreigners Living in Colombia: Top Recommendations
For foreigners living in Colombia, securing the right health insurance is crucial to a smooth transition to life in the country. This article provides an overview of the best expat health insurance options available, including international health insurance plans and local private insurance, as well as Colombia's public health system (EPS).
International Health Insurance Plans
Providers like Cigna Global and Allianz offer comprehensive international health insurance covering Colombia and worldwide. These plans are ideal for expats who travel frequently or have family abroad. Coverage typically includes inpatient and outpatient care, emergency medical evacuation, maternity, and sometimes dental and optical services. Deductibles and premiums vary based on age, health history, and chosen coverage limits. Networks include both international and local hospitals and clinics with English-speaking doctors.
Local Private Insurance and EPS (Entidades Promotoras de Salud)
Colombia’s public health system (EPS) is accessible to expats with valid visas and residency documents. EPS offers essential healthcare services with monthly contributions generally low (around $50/month for retirees). However, the public system may involve longer wait times.
Many expats supplement or replace EPS with local private insurance plans, which typically cost between $80 and $200 per month depending on age and health status. Private plans offer faster access, more personalized care, and a network of private hospitals and clinics in major cities such as Bogotá, Medellín, and Cali. These private providers often have English-speaking doctors and modern facilities. Deductibles tend to be moderate or may vary depending on the insurer and chosen plan.
Coverage Levels and Provider Networks
- International plans provide wide provider networks globally while offering access to top hospitals in Colombia.
- Local private plans focus on coverage within Colombia’s private healthcare network and sometimes include outpatient services, diagnostic tests, and specialist visits.
- EPS covers a broad range of public healthcare services but usually with less expat-friendly convenience.
Top Providers in Colombia
In addition to Cigna Global and Allianz, Allianz Global Assistance, SURA Health Insurance, and Bupa Global are reputable providers for expat insurance in Colombia. SURA Health Insurance is a popular choice in Colombia, offering both local and international coverage, as well as maternity and newborn care and chronic condition management. Pricing for SURA Health Insurance plans starts from around $100-$300 per month for individuals.
Making the Right Choice
When choosing expat insurance in Colombia, it's essential to consider your specific needs, including the level of coverage required, pre-existing conditions, and budget. By carefully evaluating their options and choosing a suitable plan, expats can secure the right insurance coverage, ensuring a smooth transition to life in Colombia, and enjoy peace of mind, knowing they are protected against unexpected medical expenses.
Sources: - Michigan Mama News, “Find the Best Expat Health Insurance for Colombia,” July 2025 - Expatis.com, “Retiring in Colombia Key Facts,” July 2025 - Allianz Global Assistance, Cigna Global Health, SURA Health Insurance, and Bupa Global are reputable providers for expat insurance in Colombia. - SURA Health Insurance is a popular choice in Colombia, offering both local and international coverage, as well as maternity and newborn care and chronic condition management. - Pricing for SURA Health Insurance plans starts from around $100-$300 per month for individuals.
- For those requiring extensive coverage and frequent travels, international health insurance plans like Cigna Global and Allianz, which offer comprehensive services worldwide, are ideal.
- To access faster service and personalized care within Colombia's private healthcare network, many expats choose local private insurance plans, costing between $80 and $200 per month depending on age and health status.
