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Mexico Health Insurance


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Estados Unidos Mexicanos or the United Mexican States is the official name of Mexico, a large, diverse and fascinating country situated in North America. Mexico is located to the south of the United States with the Pacific Ocean to its west and south, and the Gulf of Mexico to the east. Mexico shares its southeast borders with Belize and Guatemala, and the area fronts the Caribbean Sea. Although Mexico does not have an official constitutional language, Spanish is spoken at all public functions and is by far the predominant language spoken across the country by the majority of its 114 million residents (CIA, 2012), which makes Mexico the largest speaking Spanish country in the world. A number of indigenous languages are also used. Over 80percent of the population indicated they were Roman Catholic during their last consensus in 2010, making Mexico the second largest catholic community on the planet. The capital, Mexico City is the cultural, political, and financial center of Mexico and one of the richest cities in the world. Mexico’s climate is defined by the Tropic of Cancer which runs through the 24th parallel (a circle of latitude 24 degrees north of the Equator). To the north of the parallel, the weather is milder and gets cooler in the winter months. To the south, the climate is more tropical and any variances in the temperature can be mostly attributed to the changes in elevation in relation to sea level. This makes the weather system in Mexico one of the most diverse in the world. Mexico as a destination has something for everyone whether it be golf or sailing, extreme sports or fishing, relaxing on one of its many beautiful beaches, or indulging in its rich archaeological history. As such it is a popular destination for holiday makers throughout the year.

Mexico Health Care and Insurance

Over the last decade the health care system in Mexico has greatly improved, with more funding and more locals are able to access health-related services. The Ministry of Health of Mexico is responsible for managing the health sector and delivering healthcare services to the populace. The public system is funded primarily through taxes, social insurance payments and the government. Payments are deducted from employee salaries and channeled through the Institute of Social Security, with employers also making additional contributions. The Institute runs its own hospitals and primary care units for insured workers, which currently numbers around 50 million Mexicans. The quality of these medical facilities varies greatly. Some urban hospitals and care centers offer a reasonable standard of service however in rural areas, residents often only access facilities which suffer from crowding, long waiting times, have outdated equipment and a shortage of medical personnel. The Ministry of Health is working towards universal healthcare offering the uninsured, which are usually the unemployed and the poor, a limited Mexico health insurance plan. This extends to approximately 40 million people.

Often quoted as a measure of the quality of life in a country, estimated life expectancy in Mexico has progressively risen over recent decades and currently sits at 73 years for males and 79 years for females (CIA, 2012) which positions Mexico higher than Uruguay, but lower than the United Arab Emirates, which both flank it on a comparative scale. Another indicator of health conditions within a country is the maternal mortality rate, which in Mexico is estimated at 85 deaths per 100,000 live births; far in excess of the country’s target of, a still considerable, 22 deaths. Also of public health concern is the prevalence of disease and consistent outbreaks; however the Ministry of Health has indicated that the outbreak of swine flu in 2010, in which 10 people died and 573 people were infected, is now under control and infection rates are expected to drop by April 2012. Those in the most vulnerable groups are exposed to infection more so than any other and the potential exists for increased prevalence. The limitations of the universal healthcare sector are evident, with infant mortality for those of the populace that access the service, 10 times higher than those who engage the services of the private sector.

The private system is accessed by the wealthiest Mexicans and the middle class, and offers a relatively high standard of care. Private Mexico health insurance is popular with these groups. In contrast to public sector facilities, the private sector offers some of the most advanced healthcare centers in the world and many of the doctors working in the sector have trained in either the United States or Europe. Due to the lower cost of services than those available in the United States, Mexico attracts a significant number of US citizens to its healthcare system, despite there being a greater risk involved with receiving a lower standard of care in the country. Unless there is no other option, local facilities should be avoided in favour of private-sector treatment, however international health insurance should be arranged to cover the cost of such treatment.

Mexico travel   Mexico's medical insurance industry is a fast paced ever evolving market however our staff are experts and at your disposal.

Expatriates and Travelers in Mexico

Mexico Health Insurance Concerns

Although the overall health care offering in Mexico is reasonable, there are a number of potential health risks which expatriates should ensure they are prepared for by visiting a healthcare professional experienced in travel medicine, prior to visiting. One of the leading causes of illness for visitors to Mexico, particularly those visiting the capital, is altitude sickness. Mexico City has a 7,600 ft elevation, resulting in most people requiring an adjustment period. Advisories recommend that people with heart conditions should consult a doctor prior to travel to Mexico. There are a number of steps visitors should take to protect themselves against illness whilst in Mexico. To avoid food or water-borne diseases, only bottled water should be consumed and at-risk foods should be cooked thoroughly. Travelers should ensure they receive all recommended vaccinations for their destination, the following of which are endorsed for Mexico; Hepatitis A, Hepatitis B, Typhoid and Rabies, the latter for those who expect to undertake activities that may bring them into contact with stray animals. Malaria and Dengue Fever are prevalent in the country. Because it is likely private facilities will be used in the event of illness or injury, international health insurance should be arranged to offset the cost of treatment.

The country is subject to a number of natural disasters and severe weather occurrences including earthquakes, hurricanes and volcanic eruptions. Monitoring local and international weather forecasts is essential, particularly in the months of June to November when weather fronts generally occur. In the event of natural disasters, expatriates and visitors should follow the advice of local authorities.

There are a number of travel restrictions in place as stipulated by advisories from developed nations. All but essential travel is recommended to be undertaken to the area of Ciudad Juarez, due to an increase in violent activities around the Mexican/US border. Caution should also be exercised in the Monterrey area and on the roads leading from the US border to Monterrey, as a number of abductions, robberies and car hijackings have taken place. The installation of illegal roadblocks is also of concern. Expatriates are advised not to travel on the roads at night, as this is when most incidences of violence are reported to occur. Travel advisories note it is also prudent to lock doors and keep windows closed at any time of the day, especially whilst sitting in traffic. Drug related killings have occurred in many of the country’s states, with authorities reporting there were 15,273 victims of narcotic related crime in 2010, some expected to be innocents caught up in crime. This highlights the need for visitors to research their destination prior to travel and ensure they remain informed and gain up-to-date travel advice. In addition to being aware of violent crime, expatriates should take care of personal belongings, especially passports and guard against opportunistic petty thieves. Comprehensive travel and health insurance should be arranged to cover costs associated with unexpected medical care or for the replacement of stolen belongings.

Mexico Expat Health Insurance

The health care service in Mexico in some parts is comparable to that of western standards however there are inconsistencies in the services offered, particularly so in rural areas. Expatriates should ensure they purchase comprehensive medical insurance and discuss their specific requirements with their insurance provider prior to travel. Medical Air Ambulance provision should be included in the event of an emergency. Globally transferrable policies are available from International Medical Insurance, which provides coverage wherever individuals may travel. A range of benefits are delivered including emergency medical evacuation, repatriation, hospital and doctors’ fees and costs associated with maternity services. To ensure the cost of medical care in Mexico is covered, make contact with an International Medical Insurance consultant for a free quotation.