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What are the Medical Insurance options for new Resident?

Last activity 06 January 2023 by sprealestatebroker

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seinfo3

I just received my CRMN and my current visitors medical travel insurance expires in a few days. What options do I have for medical insurance coverage in Brazil?

abthree

01/05/23 @seinfo3. Different plans are available in different regions. Your choices in Alta Araguaia may be limited. Do a web search on "Planos de saúde Alto Araguaia MT", and start making calls and visiting sales offices.  Don't hesitate to ask family and friends about the plans you're considering: some plans with good reputations in one part of the country may not be as well thought of in another.


Any plan you join will probably have an introductory period of partial but steadily increasing coverage of up to two years, after which you'll be fully covered.


Meanwhile, go to a local SUS facility with you CRNM and CPF and get a SUS card.  It's not an absolute requirement, but it will speed service at SUS if you need it.

sprealestatebroker

Not sure where you are, so here it goes anyways....


-Anyone with legal residence qualifies for the bare minimum, and long lines.  That's SUS. Go to your local health clinic, and get your card.   


Then there are medical plans. . There are several out there.   Most people I know vouch for Sul America being amongst the best ( and the most expensive ).


In Sao Paulo, older folks I've met swear by Prevent Senior.  It's affordable, and provides decent coverage. Only caveat is you don't get to chose your hospital or clinic. It's their clinics and their Hospitals first ( Sancta Maggiore ). So you have Cancer, and elect A.C, Camargo, and their Hospital Network has their own oncologists, and clinics, you have not other choice but to go with theirs. 


If you do not want to outlay monthly payments, then your choice is to reside in States and Municipalities that provide for a decent care coverage. Your local standing residency then affords you a better quality care.  All things being equal, and SUS being SUS, there are some cities that provide for a better health care network and anciliary services.   Some States manage resources better than others.   


AS rule of thumb, I would avoid those coastal communities with quaint and sunny beach sides. Their Public Health Care System is   usually substandard.


So ditch Rio, Northeast States.   Focus on Southern States ( RS, PR, SC and SP ).


Cities with a solid tax base can provide better for their elders.  You want to have your proof of residence in these cities.

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