Peru has made significant progress in expanding access to health care for its citizens. The country offers both public and private health insurance options for its residents. In this article, we will explore the health insurance system in Peru and the advantages of international private medical insurance for expats living in Peru.
Health Insurance Requirements in Peru
Health insurance is not mandatory in Peru, but it is highly recommended. The government offers a public health insurance program called EsSalud, which covers all citizens who are employed in the formal sector and their dependents. The government also offers a public health insurance program for the poor called SIS, which covers those who are not covered by EsSalud. However, the coverage provided by the public health insurance programs is limited, and many Peruvians opt for private health insurance.
State Health Insurance System in Peru
EsSalud
EsSalud is the largest public health insurance program in Peru. It covers all citizens who are employed in the formal sector and their dependents. Employers and employees both contribute to the program. EsSalud covers a wide range of services, including:
- Primary care
- Hospital care
- Emergency care
- Specialty care
- Diagnostic tests
- Medications
SIS
SIS is a public health insurance program that covers the poor and vulnerable populations who are not covered by EsSalud. The program is funded by the government and donations. SIS covers a range of services, including:
- Primary care
- Hospital care
- Emergency care
- Medications
However, the coverage provided by SIS is limited, and many people opt for private health insurance to access more comprehensive coverage.
Applying for State Health Insurance System in Peru (provide answer in numbered steps)
EsSalud
- Obtain a job in the formal sector.
- Register for EsSalud at your employer’s office.
- Pay your monthly contributions to EsSalud through your employer.
SIS
- Visit your local SIS office.
- Fill out an application form.
- Provide proof of income and residency.
- Wait for approval.
Advantages of Private Medical Insurance in Peru
While the public health insurance programs in Peru offer basic coverage, expats living in Peru may find that private health insurance offers more comprehensive coverage and better access to care. Some of the advantages of international private medical insurance for expats in Peru include:
- Access to private hospitals and clinics, which often have shorter wait times and better facilities than public hospitals.
- Coverage for medical treatment outside of Peru, which can be important for expats who travel frequently.
- Higher coverage limits for medical expenses.
- Access to more specialized care, including dental and vision care.
- More personalized service, with 24/7 access to customer service representatives.
It is important to note that international private medical insurance can be expensive, and it is important to carefully review the coverage options and costs before selecting a plan.
Peru offers a public health insurance program for those who are employed in the formal sector and their dependents, as well as a program for the poor and vulnerable populations. While these programs offer basic coverage, many Peruvians and expats opt for private health insurance to access more comprehensive coverage and better facilities. It is important to carefully review the coverage options and costs of international private medical insurance before selecting a plan.