insurances
insurances
As in Europe or the USA, there are different types of insurance and different price-performance ratios. Depending on the type of insurance you want, it is worth getting various offers.
Health insurance
The state health insurance company CCSS is certainly the cheapest, but of course the services cannot be equated with private insurance. A rather uncomfortable process awaits you if you ever get really sick. But: all services are provided!
Attention: People who do not yet have a residence permit cannot join the state fund and people with “Residencia” must!
Please refer: portal.ccss.sa.cr/portal/page/portal/Portal
Private health insurance can be taken out anywhere and internationally. In Costa Rica, the INS (Instituto Nacional de Seguros) is certainly the largest. People without a valid residence permit can also sign up at the INS. But just: Comparing is worth it!
Please refer: www.ins-cr.com/
Other international insurance companies that insure illness and accidents:
www.bupa.co.uk
global.ihi.com
www.bdae.com/de
www.soliswiss.ch
www.ihc-plan.com
www.care-concept.de/
www.mnui.com
www.healthcareinternational.com
www.globalsurance.com/
www.internationalcitizens.com/
www.hthtravelinsurance.com/glCitizens_plans.cfm
www.natbenco.com/
www.expatfinancial.com/global.htm
Vehicle insurance
In addition to the annual tax (Machamo), you must also take out insurance for your vehicle, this is liability insurance.
As in other countries, other voluntary insurance policies can of course also be taken into account.
The INS also offers insurance here, but it is not the only one:
www.ins-cr.com/
www.ins-cr.com/index.html/
www.mapfrecr.com/
www.assanet.com/grupo+assa.aspx
www.panamericanlife.com/about/costa-rica.aspx
www.segurosdelmagisterio.com/index.htm
www.grupomundial.com/mundes.html
www.mondaq.com/article.asp?articleid=95548
Home and theft insurance
With the insurance INS (http://www.ins-cr.com/), which is sponsored by the Costa Rica state, the tariffs are based on the specified house value and the area (e.g. earthquake zones).
The following annual percentages currently apply to the possible insurance coverage for a house located in Escazú in this example (insured value in USD):
Fire and lightning: | 0,0382% |
Theft insurance is calculated separately based on a list of your valuables and amounts to 1.2060% of the insured value. For houses that have been proven to have been stolen, you get a slightly lower rate.
Attention: The above percentages are based on a basic package, which means that if the insurance company's inspection determines that the house is particularly at risk (e.g. near a river with a risk of flooding), the corresponding rate will be increased. There are also minimal differences if you were to take out the insurance in the local currency, colones.
And the same applies here: We are always happy to answer your questions and solve your problems! We have the knowledge and desire to help you!
insurances
As in Europe or the USA, there are different types of insurance and different price-performance ratios. Depending on the type of insurance you want, it is worth getting various offers.
Health insurance
The state health insurance company CCSS is certainly the cheapest, but of course the services cannot be equated with private insurance. A rather uncomfortable process awaits you if you ever get really sick. But: all services are provided!
Attention: People who do not yet have a residence permit cannot join the state fund and people with “Residencia” must!
Please refer: portal.ccss.sa.cr/portal/page/portal/Portal
Private health insurance can be taken out anywhere and internationally. In Costa Rica, the INS (Instituto Nacional de Seguros) is certainly the largest. People without a valid residence permit can also sign up at the INS. But just: Comparing is worth it!
Please refer: www.ins-cr.com/
Other international insurance companies that insure illness and accidents:
Https://staatenlos.ch/firma-gruenden/internationale-krankenversicherung/
www.bupa.co.uk
global.ihi.com
www.bdae.com/de
www.soliswiss.ch
www.ihc-plan.com
www.care-concept.de/
www.mnui.com
www.healthcareinternational.com
www.globalsurance.com/
www.internationalcitizens.com/
www.hthtravelinsurance.com/glCitizens_plans.cfm
www.natbenco.com/
www.expatfinancial.com/global.htm
Vehicle insurance
In addition to the annual tax (Machamo), you must also take out insurance for your vehicle, this is liability insurance.
As in other countries, other voluntary insurance policies can of course also be taken into account.
The INS also offers insurance here, but it is not the only one:
www.ins-cr.com/
www.ins-cr.com/index.html/
www.mapfrecr.com/
www.assanet.com/grupo+assa.aspx
www.panamericanlife.com/about/costa-rica.aspx
www.segurosdelmagisterio.com/index.htm
www.grupomundial.com/mundes.html
www.mondaq.com/article.asp?articleid=95548
Home and theft insurance
With the insurance INS (http://www.ins-cr.com/), which is sponsored by the Costa Rica state, the tariffs are based on the specified house value and the area (e.g. earthquake zones).
The following annual percentages currently apply to the possible insurance coverage for a house located in Escazú in this example (insured value in USD):
|
Fire and lightning: |
0,0382% |
Theft insurance is calculated separately based on a list of your valuables and amounts to 1.2060% of the insured value. For houses that have been proven to have been stolen, you get a slightly lower rate.
Attention: The above percentages are based on a basic package, which means that if the insurance company's inspection determines that the house is particularly at risk (e.g. near a river with a risk of flooding), the corresponding rate will be increased. There are also minimal differences if you were to take out the insurance in the local currency, colones.
And the same applies here: We are always happy to answer your questions and solve your problems! We have the knowledge and desire to help you!
