Knowledge center
Guides that actually answer.
Insurance in Panama, explained clearly by the people who run policies and claims every day.
Personal
Why use a broker instead of buying directly?
The price is identical either way. What changes is who defends you when you claim.
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Personal
How much does insurance cost in Panama?
2026 reference ranges for car, health, life, home and group cover, with a guide to each line.
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Personal
How much does car insurance cost in Panama?
What SOAT and full coverage cost by vehicle type, and what actually moves your premium.
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Personal
Home Insurance in Panama: What to Insure and the Most Common Mistakes
What to insure and what it costs: rebuilding cost, underinsurance and the bank policy.
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Personal
How health insurance works — and what it costs — in Panama
Local and international plans, how age sets the premium, and what each tier includes.
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Personal
How much does life insurance cost in Panama?
Term and universal life compared: what each is for and what they cost.
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Personal
Co-insurance: the percentage that dictates your out-of-pocket risk
Deductible, copay, co-insurance and stop-loss: how they combine and your real exposure.
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Personal
You’ve had an accident in Panama. Here’s what you do now.
The steps after a crash: who to call, what to photograph and how the claim gets won.
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Corporate
When and why do you need a surety bond?
Bid, performance and advance-payment bonds, and how your bonding line gets opened.
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Expat
Retiring in Panama? The guide we wish existed.
The Pensionado visa, Law 6 discounts, and how to organize insurance for retirement.
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Expat
Moving to Panama? Here’s how insurance actually works.
Local vs international health, direct billing at hospitals, and mandatory car cover.
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Personal
Pre-existing conditions and entry age: understanding how underwriting works
How pre-existing conditions are assessed and why entry age decides lifelong renewal.
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Personal
What exactly does full coverage car insurance cover in Panama?
What full coverage really covers, what it excludes, and which add-ons are worth it.
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Personal
Local vs. international health insurance in Panama: which is right for you?
Network, deductibles, sublimits and sum insured: the comparison that decides a claim.
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Corporate
Cyber insurance in Panama: what it covers and when to get a quote
What a cyber policy covers — data, ransomware and interruption — and how to get a no-commitment quote.
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Corporate
Group insurance: how many employees do you need and how much does it cost?
How few employees a group plan needs, and how it is priced from your payroll.
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Personal
Mandatory vs full coverage: what Law 68 requires
What Law 68 requires, what SOAT leaves out, and when full coverage pays for itself.
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Corporate
Beauty salon insurance in Panama: what it usually covers and how to quote
What salon cover usually includes — contents, liability and theft — and how to get a no-commitment quote.
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Personal
Health insurance in Panama for those over 50
Age limits for enrollment and the benefits that matter most after 50.
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Corporate
Business insurance in Panama: operating or bringing your company here
Group plans, property, liability, fleets and bonds for operating in Panama.
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20 articles