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INS (Instituto Nacional de Seguros)

INS offers medical insurance.  There is a limit of about $17,500 per year, and it does not cover pre-existing conditions or check ups. Dental work, eyeglasses and cosmetic surgery are only paid if they are needed as the result of an accident. Claims are based on a table rating types of treatment administered. Costs vary with age and sex. This plan pays 70% of prescription drugs, examinations, doctor visits, hospitalization and treatment and 100% of surgeons’ and anesthetists’ fees. The patient is free to choose the doctor. Approximate annual premiums for men up to age 59 are $550, between ages 60 and 75 $1020. Dependants under 19 are about $245 per year. Women aged 19 to 59 would pay about $885 and between 60 and 75 $1,305.

NOTE: Currently, the annual benefit is only about $17,000. This seems very low, but $17,000 here spends a lot more than in the USA.  Currently however, intensive care in a private hospital runs about $3,000 per day.  At that rate, you can chew through your benefit pretty quickly.  There are several companies worldwide that sell health insurance policies that cover you anywhere in the world and are perfectly legal in Costa Rica.  Most have a $2 million limit and are not much more expensive than INS.

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