Moving to Mexico as an expat opens up a new world of sunshine, tacos, and affordable healthcare. But once you’ve settled into your new life —whether it’s in Mexico City, Puerto Vallarta, San Miguel de Allende or somewhere off the beaten path— there’s one big question you’ll need to answer:
Do you need expat health insurance in Mexico that covers you only locally, or should you go for a global plan?
This isn’t just a budget question. It’s about how and where you want to receive care, what level of peace of mind you’re looking for, and how often you travel.
In this guide, we’ll break down the key differences between national and international health insurance plans, compare two real options side by side, and help you figure out what makes the most sense for your lifestyle.
Let’s get started!
What’s the Difference Between Local and Global Coverage?
When we talk about expat health insurance in Mexico, most people imagine one of two things:
- A plan that covers you within Mexico – This is usually more affordable and works great if you’re planning to live full-time in the country and don’t travel much outside.
Want to compare all our national health insurance plans?
Check them out here > National Health Insurance - A global health insurance plan – This offers coverage not only in Mexico but also in the U.S., Canada, Europe, Asia, and more. It’s perfect for those who travel often or simply want access to premium care anywhere in the world.
Want to compare all our international health insurance plans?
Check them out here > International Health Insurance
At Donna, we don’t believe in one-size-fits-all solutions. Whether you go local or global depends on how you live, travel, and what matters most to you. We’ll help you weigh the options.
What Kind of Expat Are You?
To know what kind of plan suits you, you need to ask yourself a few simple questions:
1. Do I plan to stay in Mexico year-round?
If you’re planting roots and don’t travel internationally often, a national plan might be all you need. You’ll still get access to great hospitals and doctors across the country.
2. Do I want access to world-class hospitals abroad?
Some expats prefer to get care in the U.S. for specific conditions, or want coverage that includes facilities like Mayo Clinic, Cleveland Clinic, or top-tier private hospitals in Europe or Asia. A global plan makes this possible.
3. Do I travel regularly or plan to visit my home country?
If you travel often — whether it’s to visit family or explore other countries — global coverage offers more peace of mind. It ensures you’re covered not just in Mexico, but also during your time abroad.
That said, if you’re only abroad for short trips and don’t need full international access for planned treatments, a national plan with emergency travel coverage might be enough.
4. What happens if I need medical attention while I’m traveling abroad?
If you have a Mexico-only plan, you’re still covered for emergency situations while traveling — like a broken leg, appendicitis, or a sudden infection. Most national policies offer emergency coverage abroad of up to $100,000 USD, just in case something unexpected happens on a trip.
But here’s the key: that coverage is for emergencies only, while you’re temporarily abroad.
If you ever want to treat a serious illness (like cancer or a heart condition) outside Mexico — especially in the U.S. — you’ll need a global plan. Local coverage won’t pay for scheduled or long-term treatments abroad.
Real-World Example: Bupa Nacional Plus vs Bupa Global Select
Let’s get specific.
Here’s a comparison of two plans we frequently recommend to expats in Mexico. Both are from Bupa, one of the top international health insurers in the world:
Nacional Plus
Bupa Nacional Plus lets you go wherever you want in Mexico. Everything’s covered — no network, no surprises.
Annual Coverage Limit:
MXN $50 million per year
Where can I get medical care?
Any hospital in Mexico
Out-of-pocket costs:
Deductibles from MXN $17,000
Accidents pay no deductible
Claims process:
Direct pay or reimbursement—whatever’s more convenient
Pre-existing conditions:
Covered after 2 years
Ambulance:
Ground: 100%
Air: covered with 20% coinsurance
Eligibility:
0–74 years old (lifetime renewal)
Maternity:
MXN $50,000
Global Select
Bupa Global Select is the most affordable international coverage with a global network you can trust — including BCBS in the U.S.
Annual Coverage Limit:
USD $2 million per year
Where can I get medical care?
Any hospital in Mexico & Bupa’s Global Network — BCBS in the U.S.
Out-of-pocket costs:
Deductibles from USD $2,000
Accidents pay no deductible
Claims process:
Direct pay or reimbursement—whatever’s more convenient
Pre-existing conditions:
Covered after 2 years
Ambulance:
Ground: 100%
Air: 100%
Eligibility:
18–74 years old (lifetime renewal)
Maternity:
Not included
Let’s break it down:
- Bupa Nacional Plus gives you premium coverage across Mexico. Since it’s not network-based, you can choose from top-tier private hospitals like Ángeles, ABC, or Médica Sur. It’s simple, flexible, and fully local.
- Bupa Global Select opens the door to international care—even if you’re visiting family abroad or traveling through Europe. It’s non-network in Latin America, so you can go wherever you want here. But outside the region, it does use a preferred network of providers. BCBS in the U.S.
If you’re looking for even more freedom, Bupa Global Elite and Bupa Global Ultimate offer worldwide coverage with no network restrictions at all—so you can see any doctor, anywhere.
Want to compare all our international health insurance plans?
Check them out here > International Health Insurance
How Much More Does Global Coverage Cost?
Let’s be honest: you’re probably wondering if international coverage is worth the extra money.
Here’s a rough idea:
- A 45-year-old living in Mexico might pay around $54,000 MXN/year for Bupa Nacional Plus.
- That same person could expect to pay $153,000 MXN/year for Bupa Global Select.
So yes, it’s almost triple.
But what do you get in return?
- Coverage across continents
- USD payouts
- English-speaking support
- Access to elite clinics and hospitals globally
If you’re someone who travels often, wants high-end care, or just doesn’t want to worry about where you get sick, the difference is often worth it.
Want to estimate the cost for your age?
You can use our health insurance calculator. It compares Bupa Nacional Vital (Mexico-only, no deductible, network-based) Vs. Bupa Global Select (starter international plan, worldwide coverage):
🔒 Note: International plans are not available for minors alone — at least one parent or legal guardian must be insured on the same policy.
What Most Expats Choose (and Why)
Here’s what we’ve seen after advising hundreds of expats:
- Long-term expats who don’t travel much → go with Nacional Plus. It’s simpler, more affordable, and covers everything they need within Mexico.
- Digital nomads, retirees who travel, or families with mixed residencies → tend to prefer Global plans for the extra flexibility and worldwide protection.
Most go with Global Select, which offers solid international coverage at a great value.
Some who want even fewer limits and more freedom choose Global Elite — ideal if you want to see any doctor, anywhere.
And for those who want the absolute top-tier coverage (think full U.S. access, premium clinics, VIP service), Global Ultimate is in a league of its own.
And sometimes, it’s not about price. It’s about peace of mind.
If something serious happened, where would you want to be treated? In a local clinic—or in a hospital of your choosing, wherever in the world that may be?
Still Not Sure? We Can Help You Decide
Choosing the right expat health insurance in Mexico shouldn’t be a guessing game.
At Donna, we’re not tied to just one plan or one insurer. We take the time to understand your needs, travel habits, and health concerns—and then help you find the best match.
Whether that’s a local plan like Bupa Nacional Plus or a full-on global policy like Bupa Global Elite, our job is to make sure you’re protected, not oversold.
You can explore more options on our National Plans comparison page or on our International Plans comparison page.
FAQ: Expat Health Insurance in Mexico
Can I use a global plan only in Mexico?
Yes! A global plan works perfectly well in Mexico, and also gives you access abroad. It’s like having a luxury car that works anywhere.
Can I add my partner or kids?
Absolutely. All plans offer family coverage.
Will I need a medical checkup?
Not usually, just if you’re over 65 years old. You’ll also need to declare any pre-existing conditions honestly. Pre-existing conditions have waiting periods.
Can I pay monthly?
Yes—most plans offer monthly, quarterly, or annual payments.
What’s the best health insurance in Mexico?
Best Health Insurance for Expats in Mexico 2025 Guide
Final Thoughts
Whether you’re newly arrived in Mexico or have lived here for years, figuring out your health insurance is a major step toward peace of mind. And when it comes to expat health insurance in Mexico, the decision between local and global coverage comes down to your lifestyle, not just your budget.
At Donna, we’re here to help you compare, understand, and choose confidently!
Ready to protect your health while living your best life in Mexico? Message me on WhatsApp or fill out this form to get started today!
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