International Health Insurance
Gain valuable insights and practical tips for navigating international health insurance while living abroad. From coverage details to expert advice, this comprehensive guide helps travelers…
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Learn about Brazil's healthcare system, including public and private care, insurance options for expats, and how to access quality care.
Brazilians are understandably proud of the health services their government provides. By any measure, Brazil has the world’s most extensive publicly administered healthcare system, covering the largest number of people and occupying the largest landmass. This system has significantly improved the country’s overall health since its inception in 1988.
However, Brazil’s healthcare system has its issues, including overcrowding and lengthy wait times. That’s why many people in Brazil, including most expats, get care from both private and government healthcare settings.
Brazil’s public healthcare system serves the entire country, covering everything from primary care to hospitalization and physical therapy.
Yet, public hospitals, clinics, and doctors can be overwhelmed by the needs of patients.
Yes, the Brazilian public healthcare system, known as the “United Health System” or SUS (Sistema Único de Saúde), is available to all residents of Brazil.
Taxes cover healthcare costs, and patients do not have to pay for any care they receive. Available care includes:
Your National Migratory Registry Card and taxpayer number (“Cadastro de Pessoa Física,” or CPF) will let you sign up for a National Health Card (CNS). This card allows you to visit public hospitals and care providers at no cost.
You can register for it at a municipal health office, a hospital, or a clinic, and your card will be issued the same day. Register online ahead of your visit to speed up the process.
Using public Brazilian healthcare services will not cost you anything, as long as you have your identification and CNS card.
And keep in mind that there are limits on what Brazil’s SUS covers. For example, if a medication isn’t on the approved list, you’ll be expected to pay for it yourself.
Private international medical insurance is designed to cover visits to private hospitals and clinics. Check with your insurer before visiting any private healthcare setting to see if the facility is part of your insurance network.
Keep in mind that both in-network and out-of-network facilities may require you to pay for services upfront, then get reimbursed by your insurer.
The public system has an extensive network of small hospitals that care for patients. This makes sense when you consider the vast size of Brazil. Having a nearby small hospital makes it easier for the average Brazilian to access care.
Government-funded hospitals and clinics in Brazil almost always provide good medical care. But the quality does vary between regions.
Patients can experience long wait times to access public healthcare, especially in rural areas with limited resources, such as fewer nurses and doctors. Plus, public facilities are often overcrowded.
Many people in Brazil have private health insurance that they use in addition to public care. With private insurance, you can skip the crowds and get care when you really need it.
Most major urban centers in Brazil have at least one private hospital; there are generally many more in popular tourist destinations.
Having private coverage doesn’t mean you’ll only receive private care. You can visit public hospitals at your convenience.
Foreigners in Brazil can access both public and private healthcare. The public system offers numerous benefits, including lower costs.
However, don’t forget that there are reasons why more than a quarter of the population has some form of private health insurance.
Relying solely on public healthcare means putting up with treatment delays and risking medication shortages.
Any expat living in Brazil can use the public healthcare system. Plus, there’s no waiting period to join SUS, the public healthcare system.
You can even register right at a doctor’s office or hospital, as long as you have your CPF taxpayer number and your National Migratory Registry Card.
Traveling to Brazil as a tourist? You’ll be pleased to know that even if you haven’t registered for SUS, you’ll still receive treatment should you experience a medical emergency.
However, all short-term visitors should consider travel medical insurance so they can visit private facilities or be medically evacuated without worrying about overwhelming costs.
It’s easy to twist an ankle dancing at a Brazilian festival or get too much sun at one of the country’s beautiful beaches.
If you’re traveling off the beaten path, you might find yourself up close and personal with Brazil’s wildlife. Whatever is on your itinerary, it’s good to be prepared!
Many expats choose to supplement SUS coverage with private international health insurance. That way, they can avoid long waits in crowded rooms and visit private providers and hospitals without worrying about the cost of the visit.
Would you like to learn more about your options? Health insurance in Brazil for foreigners helps you compare top plans and find the right coverage for your specific situation.