Navigating health insurance in Curaçao can be overwhelming. But fear not, we’ve got you covered. We’re talking about everything from basic BVZ insurance to private options. Because let’s face it, staying healthy should be a priority, and having the right insurance is an essential component of that.
First off, BVZ basic health insurance is mandatory for everyone living and working on the island. The system works on a sliding scale, based on your income. Don’t worry, it’s not as complicated as it sounds. Just make sure you’re enrolled and paying your premiums every month.
‘We can guide you through the process of obtaining the required insurance and explain the specific details based on your situation with the Social Insurance Bank of Curaçao (SVB) or any trusted insurance provider to get accurate and up-to-date information about your health insurance in Curaçao as an expat.
Don’t just settle for any old policy. We can compare the different providers and plans available that fits you, your partner and family. And don’t be afraid to ask questions. It’s important to have a clear understanding of the policy covers, as well as any deductibles or co-pays you may be responsible for.’
Monica Saveedra, Living in Paradise
If you’re looking for more extensive coverage, private insurance is the way to go. It offers a wider range of services, like dental and vision care, and often includes perks like access to private hospitals and doctors.
Navigating health insurance options in Curaçao can be complex, but with our expertise and resources, we can help you find the policy that aligns with your specific requirements and financial situation. Rest assured that once we have identified the appropriate plan, you can have peace of mind knowing that your health needs are covered.
As an expat in Curaçao, it’s important to understand the healthcare system and the specifics of health insurance in the country. Here’s everything you need to know about health insurance in Curaçao:
Mandatory Health Insurance: In Curaçao, health insurance is mandatory for all residents, including expats. This requirement ensures that everyone has access to essential healthcare services.
Zorgverzekering: The national health insurance program in Curaçao is known as Zorgverzekering. It is managed by the Social Insurance Bank of Curaçao (SVB). All residents are required to have this insurance to access healthcare services and it provides a limited scope of coverage..
Coverage: Zorgverzekering provides coverage for a wide range of medical services, including hospitalization, doctor visits, medication, laboratory tests, and emergency care. The coverage varies based on the type of insurance plan you choose.
Premiums: The cost of health insurance premiums in Curaçao is based on your income. The premiums are calculated as a percentage of your income, with a maximum cap. The SVB determines the exact premium rates annually.
Private Health Insurance: While Zorgverzekering is mandatory, you also have the option to purchase additional private health insurance to supplement your coverage. Private insurance can provide additional benefits, such as coverage for dental care, vision care, and alternative therapies.
Health Insurance Providers: In Curaçao, there are several private insurance companies that offer additional health insurance plans. These companies include Ennia, Guardian Group, Fatum, and Vidanova.
Pre-existing Conditions: When you apply for health insurance in Curaçao, insurance providers cannot deny coverage or charge higher premiums based on pre-existing conditions. However, they may impose waiting periods for specific treatments related to pre-existing conditions.
Emergency Care: In case of a medical emergency, you can go directly to the emergency department of the hospital. Emergency care is covered by Zorgverzekering, and you will not be turned away due to lack of insurance.
Healthcare Providers: Curaçao has a well-established healthcare system with hospitals, clinics, and medical professionals. Some of the major hospitals in Curaçao include the St. Elisabeth Hospital and the Hospital Nobo Otrobanda.
Insurance Card: Once you have health insurance in Curaçao, you will receive an insurance card. This card should be presented at healthcare facilities to receive the covered services.
Access to Medication: With health insurance, you will have access to prescription medication. Pharmacies in Curaçao dispense medication upon presentation of a prescription from a doctor.
Renewal and Termination: Health insurance policies in Curaçao are usually renewed annually. If you plan to leave Curaçao or terminate your insurance, you need to inform the insurance provider in advance.
We can provide information from the Insurance Bank of Curaçao (SVB) or a trusted insurance provider to get accurate and up-to-date information about health insurance in Curaçao as an expat. We can guide you through the process of obtaining the required insurance and explain the specific details based on your situation.