Recently one of our neighbors learned the high cost of living here without health insurance. Precaution is the best medicine.

Costa Rica’s public health insurance system, the Caja Costarricense de Seguro Social (CCSS), known simply as the Caja, is available to all foreign residents and tourists. Its benefits include:
•A Costa Rica Fact- cheap premiums, decent medical care,
•Like a Costa Rica history timeline-  lines are long, medicines are generic, doctors are assigned to you, few service providers speak English,
• Unfortunately a Costa Rica History when dealing with the Costa Rica Govenment you can wait months for an appointment and years for some types of surgery.
Costa Rica fact is for residents and new applicants for residency must enroll in the Caja. The cost is calculated as a percentage of your income.

Instituto Nacional de Seguros INS sells insurance valid in the private sector, including CIMA, Clinica Biblica and Clinica Católica. Its benefits include:
• more modern equipment, faster service, more English-speaking employees, you get to choose your doctor,
• but pre-existing conditions and annual check-ups are not covered.
Anyone can apply for these policies, even tourists.

INS insurance policies cover medical expenses due to illnesses or accidents in Costa Rica and also internationally. For the expenses in foreign countries, however, INS will pay only the amount charged for the same treatment in Costa Rica and you have to pay the difference. The Association of Residents of Costa Rica (ARCR) has a group policy that can save on premiums.

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