Who needs coverage?
Loaded with our example family: two adults aged 45 and kids aged 11 and 7. Every plan has a price for this family. Change the ages to price your own household.
What this household would pay
USD per year for everyone, paid annually, including Costa Rica's 2% tax on insurance.
Compare coverage side by side
Pick up to three plans. A cheap plan with a $15,000 limit and a $1,000,000 worldwide plan are different products, so look at what's behind each price.
Every plan at a glance
Example family price: two adults aged 45, kids aged 11 and 7. Limits and deductibles are per person.
| Plan | Family / year | Annual limit | Deductible | Highlights | Waiting periods |
|---|
First step: see what you qualify for
Insurers decide who they accept after reviewing each applicant. Prices here show what plans typically cost. They don't mean a plan will accept you or that you'll get this price.
Three kinds of plan
PleniSalud covers set benefits in Costa Rica. Vital 360 adds hospital and outpatient care with real limits. International plans cover $300,000 and up, including the U.S.
Private plans sit on top of the Caja
Once you have residency, CCSS (Caja) membership is required. A private plan adds faster access and private hospitals. It doesn't replace the Caja.
Pre-existing conditions
Every plan underwrites your health history, and conditions you already have can be excluded. Declare everything when you apply.
Premiums climb with age
Rates step up at each age band and renewals can rise further. Check what a plan costs at 65 and 70, not only today.
Insurance is one piece of your move
Our clients get resources like this one for every part of their relocation: residency, areas, rentals, shipping, cars and pets. If you'd like a plan for your whole move, start with a call.