As you settle as a new expat enjoying a new life in Mexico, it is important to have healthcare coverage to enjoy your experience in Mexico.
Medical Care
In Mexico, you can find public and private healthcare options. The plan service includes doctors, physicians, and health care centers. All operate independently, and people are able to use health services within their network according to each healthcare plan.
Doctors and specialists
You can find plenty of medical doctors and specialists in Mexico, who can speak to you in Spanish or English. In order to have an English-speaking doctor, you can call your health insurance plan provider. Close friends and colleagues may also help you in this situation or find the best options.
Hospital attention in case of an emergency in Mexico
You will receive attention at any time in case of an emergency in Mexico. The emergency services include medical evacuations when a patient has a catastrophic illness, like vehicle accidents, strokes, etc.
Private hospitals in Mexico
Mexico has a wide range of excellent private hospitals and clinics, especially in bigger cities. Medical equipment is updated, doctors and nurses are very well trained, and the overall patientcare is extremely service-oriented. Many private clinics have multilingual staff that can communicate in English.
In order to get admitted to a private hospital, you will need proof of private health insurance or proof that you will be able to pay for the treatment yourself (like a deposit or credit card).
How to get access to private hospitals
You can pay directly with out-of-pocket cash or you can buy a health insurance. There are numerous recognized private insurance providers in Mexico. It’s important to know which hospitals accept your insurance. In case you need more information, you can find details online or even on your insurance card. It’s important to remember that private hospitals and clinics can generate out of pocket expenses and you should receive medical attention at an in-network healthcare facility.
Average cost of private healthcare in Mexico
In general, private service does come with a cost and depending on the coverage of your health insurance plan, any visit to a doctor could mean some out-of-pocket costs for you.
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Medical service in Mexico
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Average cost
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Doctor consultation services
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Around US$ 60-70
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Dentist basic consultation
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Around US$40
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Optician basic consultation
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Around US$60
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Doctor consultation at pharmacies nowadays for a primary illness like the flu is more common, cheap, and reliable. The cost for the consultation is between $0 to $150 MXN.
Health Insurance companies in Mexico
Private health insurance plans exclude coverage for specific healthcare needs or providers. Make sure they accept coverage from the specific provider.
Popular private health insurance companies in Mexico are the following:
- GNP Seguros
- Alliance
- Metlife
- AXXA
How do I submit a claim to my private insurance company?
Submitting a claim will vary from provider to provider.
You should obtain official receipt or factura for drugs or medical services if you plan to submit the charges for reimbursement.
For prescription drugs, the factura is emailed to you as well a receipt is given to you at the register. Insurance companies ask to have both in order to be eligible for reimbursement.
How the insurance company will be covering?
The method of coverage or payment to the hospital can be direct by the insurance company or by refund. All insurance has a deductible and co-insurance percentage accordingly with your certificate insurance.
Major expense insurance at TEC Monterrey as an employe you can consult the plan and scope of your instutional insurance click here
VoluntaryInsurance at Tec de Monterrey as an employe you can purchase the plan and scope of your instutional insurance click here
Public hospitals in Mexico
Mexico’s Ministry of Health, The Mexican Institute of Social Security (IMSS, Spanish), and the Institute for Social Security and Services for State Workers (ISSSTE, Spanish), constitute an integral part of the overall Mexican healthcare system.
In Mexico, social security coverage will be provided if you're employed full time with a Mexican company. If you're not eligible, you can also voluntarily apply for this coverage with benefits. Medical services are provided in Spanish only.
Healthcare coverage when you travel to Mexico
In case you are travelling, please be aware that Mexico does not have a reciprocal healthcare agreement, which means that you will not receive public medical service and you must pay for any treatment you receive from private medical professionals as well as medications and support services from private clinics and hospitals.
It is essential to be properly covered when you visit Mexico. It’s important to know the terms and conditions of your international health insurance provider or advisor to determine whether or not a particular hospital in Mexico will accept their payment method to ensure coverage.
In case that tec the Monterrey for your temporal travel you can check the details: Blueassistance
What kind of travel insurance should you buy when traveling to Mexico?
There are two types of insurance: travel Insurance and travel Assistance. You should understand the difference in order to be clear in the coverage.
Travel Insurance is a policy that covers certain events or situations. Travel assistance is just ambulatory support for medical emergencies. We recommend that your travel Assistance support services be included in a Travel Insurance package containing the following services:
- A helpline for general questions about your insurance product and its support services
- A 24/7 toll-free emergency contact number
- Assistance with finding a doctor, a private clinic, or a lawyer if you need it.
Tax deductions for medical expenses in Mexico
Medical services like dental and hospital expenses paid by an individual for him/herself or his/her economic dependents that haven’t been reimbursed by Mexican insurance can be included in your Mexican income tax return in case you are a tax resident.