Expatriate insurance in Brazil
Are you an expatriate or planning to move to Brazil? Discover our insurance policies for expatriates in Brazil.
Are you planning to move to Brazil or are you already a Brazilian resident? Rio de Janeiro is Brazil’s metropolis par excellence, with a population of around 6.5 million. Many expatriate communities (Portuguese, Spanish, Americans, Germans, Canadians) live here. We’ve put together a few tips to help you prepare for your move to Brazil and get to grips with everyday life there. The health system is renowned for its high quality. However, the cost of private healthcare in international facilities can be very high. That’s why we strongly recommend that you take out expatriate health insurance in Brazil before you leave, to protect yourself against the risks.
Our insurance offers for expatriates in Brazil
Expatriate insurance Brazil Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to Brazil.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Insurance Brazil Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Brazil Gold Expat Safe
Health insurance with a good cover/price ratio. It offers effective cover against accident and illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Brazil Gold Expat Premium
Our most comprehensive expatriate health insurance plan in Brazil.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
Schooling in Brazil
| Healthcare expenditure per capita per year | 1 200€ |
| Number of doctors per 1,000 inhabitants | 2,1 |
| Number of private hospitals in Brazil (in 2023) | 4 458 |
| Number of public hospitals in Brazil (in 2023) | 2 372 |
These data demonstrate the importance of appropriate health cover for expatriates in Brazil. At Mondassur, we firmly believe that private health insurance is essential for expatriates. Indeed, this is necessary to guarantee fast, quality access to medical care, especially when private hospitals are legion.
Accommodation in Brazil
Brazil’s healthcare system is vast and complex, comprising both public and private services. It is based on a mixed model in which the Sistema Único de Saúde (SUS) plays a central role as a tax-financed provider of free public healthcare for all residents. Around 75% of the population uses the SUS, which covers a wide range of services, from basic care to specialized treatments. SUS is designed to guarantee universal and equitable access to healthcare. However, it is faced with underfunding, aging infrastructure and long waiting times.
At the same time, around 25% of Brazilians have private health insurance. In fact, the private sector offers faster and often higher quality care in well-equipped facilities. They also have a better reputation than public establishments. Waiting times are shorter and access to specialist care is easier. For expatriates, choosing private health insurance in Brazil is a wise decision. Indeed, this is the most viable solution for guaranteeing fast, efficient access to quality care. At Mondassur, we offer private health insurance solutions specially designed to meet the needs of expatriates, giving you peace of mind and optimum medical care in all circumstances.
Accommodation in New Zealand
Public health insurance in Brazil
Public health insurance in Brazil is administered by the Sistema Único de Saúde (SUS), which offers free medical coverage to all residents, including expatriates. SUS covers a wide range of medical services, from routine consultations to emergencies and specialized treatments. The quality of public coverage can therefore vary considerably depending on the region in which the hospital is located. Although SUS is free, waiting times can be long due to high demand and limited resources. Expatriates can take advantage of this system, but must be prepared to face its constraints.
The tax-funded SUS offers a full range of care, from basic consultations to complex treatments. However, the system is often overloaded, leading to long waiting times for specialist consultations and surgery. Despite these challenges, SUS remains a valuable resource for those without access to private insurance. As a result, the latter guarantee access to basic and emergency care at no direct cost.
Choosing health insurance in Brazil
Private health insurance in Brazil is therefore a popular alternative for those seeking better quality healthcare and shorter waiting times. Unlike SUS, private insurance is fee-based, and costs vary according to the level of coverage and services included. Private hospitals are often better equipped with advanced medical technology, offering superior care. Expatriates can take out private health insurance policies. As a result, they will have access to a wide network of doctors and specialists, with rapid consultations and specialized treatment without the long waiting times .
Private insurance coverage can include additional benefits such as individual rooms, comfort services and advanced treatment options. Although costs are higher, investing in private health insurance can offer peace of mind and optimum medical care. This is very important for expatriates wishing to avoid the uncertainties and limitations of the public health system. Jean-Pol, an expatriate in Brazil, confirms this. At Mondassur, we offer health insurance solutions for Brazil tailored to the needs of expatriates, ensuring fast, efficient access to high-quality care.
Healthcare facilities in Brazil
The choice between public and private hospitals in Brazil can therefore have a significant impact on your healthcare experience. Indeed, significant differences will be visible in terms of infrastructure, physician expertise and patient satisfaction.
Treatment times can be long, and the quality of care varies from region to region. Rural areas are particularly neglected, with an insufficient number of care centers in relation to the population. As a result, many patients have to travel to the big cities for proper treatment, foresight and dental care.
The healthcare landscape in Brazil is marked by a disparity between public and private care. Expatriates and medical tourists often prefer private establishments for their superior quality and efficiency. However, SUS remains a valuable option for those who cannot afford private health insurance. To guarantee optimal coverage and rapid access to quality care, taking out private health insurance is really important, especially for expatriates in Brazil.
Private establishments offer high-quality care with advanced medical technologies and medical staff often trained in prestigious institutions in Brazil and abroad. The majority of Brazilian doctors are trained at Brazilian universities, both public and private. As a result, the country produces around 20,000 new doctors every year.
Brazil is also attracting a growing number of medical tourists, seduced by the quality of private care. Medical tourism attracts patients from all over the world to take advantage of Brazilian doctors’ skills and modern facilities.
Emergency numbers in Brazil
Knowing the emergency numbers in Brazil is very important. In case of need, there are several numbers to remember, such as :
- Police: 190
- Ambulances: 192
- Firefighters: 193
Knowing these numbers can make all the difference in an emergency, and ensure a rapid response from the appropriate services. Make sure you’ve saved them in your phone and that you’re familiar with them for optimum security during your stay in Brazil.
Healthcare costs in Brazil
The cost of healthcare services in Brazil can vary considerably depending on factors such as the city, the type of service and the quality of facilities. Prices are often higher in big cities like São Paulo and Rio de Janeiro.
To obtain a medical prescription, a doctor’s consultation is required, although some over-the-counter drugs can be purchased without a prescription. Drug prices also vary, but are generally cheaper in public pharmacies or those affiliated to the SUS. As a result, expatriates’ healthcare costs can be high, with advance fees often required prior to admission.
Fees can be as follows:
- A standard medical consultation can cost between 100 and 400 BRL (around €20 to €80).
- An hospitalization can cost several thousand BRL per day, depending on the complexity of the care and the type of establishment.
- A delivery costs can vary from BRL 10.000 to BRL 20.000 (around €2.000 to €4.000) in a private hospital.
- Visit dental care is also expensive, with dental consultations ranging from BRL 200 to BRL 1.000 (around €35 to €170).
To manage these unforeseen and often high costs, taking out private health insurance such as Mondassur can offer extensive social protection as well as essential peace of mind for expatriates in Brazil. What’s more, the reimbursement of expenses (depending on the insurance taken out) frees you from a mental burden.
Repatriation insurance for Brazil
Repatriation insurance is an essential component for any expatriate living in Brazil. In the event of serious illness or accident requiring specialized medical care, repatriation insurance guarantees your return to your home country for the necessary treatment. Repatriation costs can be extremely high, often reaching tens of thousands of euros, including the cost of medical transport and medical accompaniment. In short, repatriation assistance is essential to avoid excessive health expenses.
Mondassur offers insurance policies that include repatriation options, ensuring that you and your family are fully protected in the event of an emergency. In addition to repatriation, these insurances cover the cost of hospital stays abroad prior to repatriation, depending on the insurance chosen. Taking out repatriation insurance with Mondassur therefore helps you avoid unexpected costs and ensures that you receive the best healthcare available. This protection is particularly crucial in situations where local care does not meet the necessary standards, and in cases of local epidemics. In such cases, rapid return to a medically safe environment is recommended.
Brazil: take stock of your vaccinations
Before traveling to Brazil, it is essential to check and update your vaccinations. The Brazilian Ministry of Health recommends several vaccines for visitors and expatriates.
Yellow fever vaccination is compulsory, especially if you plan to visit rural areas or tropical regions such as the Amazon. A yellow fever vaccination certificate may therefore be required for travelers entering the country from high-risk areas. Other recommended vaccines include those against hepatitis A and B, typhoid, rabies, and tetanus-diphtheria-pertussis.
The flu vaccine is also recommended, especially during the flu season. Brazil has experienced epidemics of dengue fever, Zika and chikungunya, although vaccines for these diseases are not yet available. So it’s crucial to take precautions to avoid mosquito bites. Mondassur offers assistance with the necessary vaccinations for Brazil, with coverage of the cost of vaccinations at pharmacies. This ensures that you are well protected before you settle in or travel to the country. Be sure to discuss your itinerary with a healthcare professional before you leave, so that you receive the appropriate vaccinations and stay healthy throughout your expatriation. You’ll be able to enjoy the Corcovado statue and discover one of the world’s best carnivals in complete tranquillity.
Choose Mondassur for your expatriate health insurance in Brazil!
Why buy expatriate insurance in Brazil?
Taking out health insurance for expats is a wise decision to guarantee optimum medical cover during your stay in Brazil. As an expatriate, you’ll face unique challenges, including access to quality healthcare in a system that can be complex and expensive for non-residents. Private healthcare, while excellent, can actually be very expensive without adequate insurance.
When you go to Brazil, you may have health problems related to infectious or respiratory diseases such as :
- Dengue fever
- Zika
- Chikungunya
- Tuberculosis
- Influenza
Mondassur offers health insurance policies specially designed for expatriates, covering a wide range of medical services, from routine consultations to emergency interventions. By taking out insurance with us, you benefit from financial cover for medical expenses. What’s more, you can benefit from first euro insurance in your insurance contract.
Quick and easy subscription
Taking out health insurance with Mondassur is a quick and easy process, designed to give you the best possible experience. In just a few minutes, you can get a personalized quote online by providing simple information about your profile and requirements. Once the quote has been accepted, you can sign up entirely online, without the need for a physical appointment or complex administrative formalities.
Our team of brokers is available to answer all your questions and guide you every step of the way, ensuring a smooth transition to your new health cover. Our online tools make it easy to manage your policy, claims and important documents. With Mondassur, taking out health insurance has never been so quick and easy. With our health insurance plans, you can relax and enjoy life as an expatriate in Brazil.
A wide choice of warranties
At Mondassur, we understand that every expatriate has unique health needs. That’s why we offer a wide range of cover options to help you choose the right expatriate insurance for your specific needs. Our expatriate health insurance policies include coverage for medical consultations, hospitalization, dental and optical care, civil liability and much more.
Depending on your budget, you can choose additional options such as maternity, sickness cover, preventive care and a safety and well-being guarantee, for example. With Mondassur, you have the flexibility to choose the coverage that best suits your situation, ensuring comprehensive protection tailored to your lifestyle. Our aim is to give you peace of mind during your expatriation to Brazil.
Other insurance for Brazil
To meet all your insurance needs in Brazil, Mondassur also has specific offers adapted to different situations:
- Brazil travel insurance: For short stays and tourist trips.
- Student insurance Brazil: Designed for international students studying in Brazil.
You can consult our main page on Brazil health insurance for all the information on health insurance available for expatriates in Brazil. Give yourself peace of mind in all circumstances!
