As a result of our alliance with Best Doctors in 2012, our first policy was offered in January, 2013. Best Doctors Is headquartered in Boston, Mass (founded by Doctors from Harvard). In Mexico, we are covered by their Latin American Division.
This is a custom-tailored insurance policy providing catastrophic coverage for life’s messy and expensive events that are most certainly catastrophic to our finances if we have to cover these expenses totally out-of-pocket. While the policy provides worldwide coverage (including the U.S.), it is designed more specifically for use in Mexico, as the reasonable premiums suggest. You must possess a Mexican Visa and reside in Mexico for at least six continuous months a year.
2017 Best Doctors Summary of Benefits (includes premium price)
The Forms section under this heading will provide you with an overview of the Best Doctors application process. Once you become a Member, you will receive detailed instructions for the completion of these documents.
This “digital age” is what has made all of this possible, especially since the mail system in Mexico is so irregular. Please be confident that we successfully conduct all of our business via the internet. All the necessary documents are securely transmitted via the internet, direct office visit or by courier (for those living outside the Chapala area). All Payment transactions are conducted via credit card through PayPal (for Boomer memberships) or a secure credit card processor, and Best Doctors secure payment portal for premiums.
Please be assured that our group is not “self insured”. We have no financial limits constraining us to only what we collect in premiums as our reserve on which to draw during any specific year. The insurance company factors all their groups together into one big pool. Granted, our usage does play a small percentage factor into our renewal rate, however the most important consideration for us is that our “group” is factored in with all of the other Best Doctor groups. The insurance company’s “group pool” is mainly comprised of workplace employee groups, civic, and professional organizations whose membership base covers a much broader spectrum of ages. This is most favorable to us, as retirees.
We’re extremely proud of the modest price increases we have received over the past 4 years:
2013 – initial policy
2014 – 8 %
2015 – 6%
2016 – 8%
2017 – 8 %
2018 – 12%
The average price increase for a private policy in Mexico for 2015 was between 15 and 25%!
Our insurance application process is as simple as 1- 2- 3!
- Submit the results of blood and urinalysis testing
- Complete the Best Doctors Insurance application (emailed directly from our agent, once you are a paid member.
- Complete our Document checklist (a list of documents required to verify your Mexican residency).
All forms are sent and submitted by email! If you have email access anywhere in Mexico, you can apply.
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