We represent
Ideal for
FamiliesIndependent professionalsComplement to work coverageExpats and residents
What your policy can cover
Additional coverages & options
Don’t see what you’re looking for? There’s far more — we work with nearly every coverage in the market. Tell us what you need.
+Dental and vision coverage
+Daily hospital cash benefit
+Telemedicine and 24-hour assistance
+Annual preventive check-ups
+International second medical opinion
+Expanded medication coverage
When your policy responds
A scheduled surgery
You need an operation. We handle the pre-authorization and guarantee letter so you enter the OR without paying up front.
Emergency at dawn
An accident at 2 a.m. Emergency coverage responds immediately; we follow up on the claim.
A baby arrives
You’ve met the maternity waiting period. We coordinate hospital and OB-GYN so you focus only on your family.
Frequently asked questions
What people ask us most about this coverage.
What is the waiting period?
The time before certain benefits — like maternity — can be used, ranging from 6 to 24 months. We review it with you before you buy.
Are pre-existing conditions covered?
It depends on the carrier and the medical review. Some plans include them after a period; we help you find the best option.
Can I use it outside Panama?
Yes, on plans with international coverage. We define whether you need regional or worldwide reach based on your lifestyle.
What about my work insurance?
A personal plan complements the group policy and stays with you even if you change jobs. We structure both so you have no gaps.
Let’s design your coverage.
This content is general and informational. Coverages, limits and exclusions are governed by the conditions of each policy and carrier.