Getting hurt is never a good thing, whether you’re traveling or at home, which is why health insurance in Panama is critical for pretty much everyone. Illness and injury can be a frightening experience, but thankfully, Panama is equipped with world-class healthcare, to handle any emergency or recurring situation that may arise. When you need medical care and medical coverage, you want fast action, quality doctors and facilities, and you don’t want it to cost you a fortune. This is one area where Panama really shines, and the proof is in the positive experiences from the thousands of people who call Panama their new home.

Make sure you find the right plan for you, to keep you covered in case of emergency

If you’ve recently moved to Panama, or are planning a move here, getting quality health insurance to cover the unexpected should be top of mind. After all, nothing stings more than an outrageous medical bill after you’ve been treated. It’s like adding insult to injury (literally), and can really hamper your financial situation both short and long term. Choosing the right insurance plan, and provider, is all about assessing your needs, as well as your budget. Pretty much all private health insurance premiums are offered at substantially lower costs than the US, and access to care is both efficient, and reliable. This means that you can get the coverage you need, at the cost you want, with the quality of care you expect.

What are your options for Panama healthcare, and how much do they cost?

You have lots of options for local and international healthcare, as well as number of world-class international health insurance companies that include coverage for applicants up to 74-years-old. Premiums for these plans run the gamut as far as cost goes, however as a rule of thumb, you’ll always get a lower premium if you opt for a higher deductible. Deductibles range anywhere from 0 to $20,000 with many plans maxing out as high as a $2,000,000 “annually renewable” limit, when it comes to catastrophic coverage policies. Another huge plus for expats is that most of these plans cover in-patient benefits like hospitalization costs, emergencies, and out-patient surgeries. As far as age goes, the cost per deductible can be broken down like this:

• Age 55-59 with a deductible of $5k per year will be, on average, $2,200 per year.
• Age 65 with a deductible of $5k per year will be, on average, $3,500 per year

Where you can use your healthcare in Panama, and how this coverage affects you

You can use your private healthcare at any of the country’s private hospitals or medical clinics, which are staffed by bilingual (English/Spanish) doctors and nurses, many with their own Air-Evac and trauma teams as well (like Hospital Punta Pacifica, and Paitilla Medical Center). There are also a number of excellent private doctors available through their own practices, who will fall under your coverage as well. Plus, if you require a regular schedule of medication, routine treatments or therapy, or even “just to be sure” check-ups, you’ll find that your healthcare will cover lots of the cost, and that you’ll have a number of high quality options to choose from as you make your decision.

Healthcare in Panama is good, affordable, and easier to access than you think. Don’t delay in setting up your plan, and checking one more important thing off the list as you plan your life here in Panama! For more info on health insurance in Panama, visit panamakevin.com.

Panama Equity Real Estate was founded on a commitment to deliver a professional real estate experience to all of our clients. Our real estate agents understand the concept of working hard, working smart, and always doing what’s right. We appreciate the trust that our clients put in us, and are always looking to improve the way we deliver the Panama Equity experience.

What does a professional real estate experience entail?

• Timely responses to your questions
• Accurate and updated market information to base your decisions on
• Setting realistic expectations for your experience buying or selling property in Panama
• Anticipating your needs
• Pairing you with an agent who has an in depth understanding of the real estate market and the parties involved in every sale
• Following up with all parties to ensure a successful transaction and a professional experience for you

Kent Davis (PJ-0752-09)

Kent Davis, founder of Panama Equity Real Estate, is a leading expert in Panama’s competitive real estate market. Originally from Honolulu, Hawaii, he holds a Marketing Information Systems degree from James Madison University. After a successful corporate career managing multimillion-dollar inventories at Hajoca Corporation, Kent pursued his dream of living abroad, moving to Panama in 2007.
Driven by an entrepreneurial spirit, he established Panama Equity to connect buyers, sellers, and investors with Panama’s top properties. Known for his transparency, expertise, and market insights, Kent has helped hundreds navigate Panama’s real estate landscape. Fluent in Spanish, he frequently publishes market reports to empower clients with informed decisions.
Beyond real estate, Kent is passionate about Panama’s culture, landscapes, and surf-friendly beaches. He lives in Panama with his wife and three sons, embracing the vibrant lifestyle the country offers.