Insurance option over age 65

planner · 2024-09-04T00:39:38+02:00

I indicated in another thread I would post details here. These are subject to change, its valid as of today. Its Senasa plan Ambar.Its not great coverage at all but may be better than nothing. First thing to know is that you need to go to doctors, clinics and labs that accept Senasa. There is NO reimbursement.They have a schedule of what they pay per doctor type or specialty and you pay the difference. Unlimited.Psychologist or psychiatrist - 3,000 RD a year. In hospital - 3,000RD per day for room, 3,000RD per day for meds, 5,000RD per day intensive care.Limit per case is RD 250,000Catastrophic illness is limit of RD 500,000There is some dental but limited.There is RD 4,000 for medication out of hospital.Premiums:Every 3 months RD 5,241Every 6 months RD 10,482Annual RD 20,964At age 70 it doubles.From age 55 a doctors medical and tests are required and you have to pay for them! If they do not accept you they do not pay this back.To apply you can contact me privately.IF under 65 you have far far better options with Humano and or Universal. Those are the 2 I am most familiar with,

planner Dominican Republic Expert

17780POSTS

last year

I indicated in another聽 thread I would post details here.聽聽These are subject to change, its valid as of today. Its Senasa plan Ambar.

Its not great coverage at all but may be better than nothing. First thing to know is that you need to go to聽 doctors,聽 clinics and聽 labs that accept Senasa.聽 There is NO聽 reimbursement.

They have a schedule of what they pay per doctor type or specialty and聽 you pay the difference.聽聽Unlimited.

Psychologist or psychiatrist聽 - 3,000 RD聽 a year.

In hospital -聽 3,000RD per day聽 for room, 3,000RD per day for meds, 5,000RD per day intensive care.

Limit per聽 case is聽 RD 250,000

Catastrophic illness is聽 limit of聽 RD 500,000

There is some dental but聽 limited.

There is RD 4,000 for聽聽medication out of hospital.

Premiums:

Every 3 months RD 5,241

Every聽 6 months RD 10,482

Annual聽 RD 20,964

At age 70 it doubles.

From age聽 55 a doctors medical and tests are required and you have to pay for them!聽聽If they聽 do not accept you they do not pay this back.

To apply you can contact me privately.

IF聽 under聽 65 you have far far better options with Humano and or Universal.聽 Those are the聽 2 I am most familiar with,

2 members reacted to this post

See also

The healthcare system in the Dominican Republic - Guide
Health insurance companies in Dominican Republic - Business
Private health insurance for expats aged 65+ - 46 Replies
Medical Insurance for over 65 - 53 Replies
Health Insurance - 20 Replies
Insurance over 65 - 121 Replies
No Insurance costs - 1 Reply

DRVisitor Serial expat

772POSTS

last year

Do you have to be on a plan for a certain amount of time before 65 and do these plans keep stable rates after 65 (ie Humano and or Universal.)?

planner Dominican Republic Expert

17780POSTS

last year

You can enroll two weeks before 65 if you want.聽 However you always risk developing pre existing conditions which would be excluded.

Currently Humano premiums go up at age 70.聽 With groups premiums are adjusted annually based on group experience.聽 Individual plans will go up based on your individual usage.

We were advised a couple years ago that insurance premiums will soon be age banded. So right now a 60 year old woman pays the same as a 20 year old woman or a 20 year old male.

At some point it could be banded under age 40, 40 to 50, 50 to 60 etc for example.聽 That would follow more the North American model. Maybe it's European too but I don't actually know.

Next would follow male and female rates and then smoker / non smoker! At least that's what I would expect.

1 member reacted to this post

wondering9 Serial expat

225POSTS

last year

Plan Ambar is not the same as Plan Larimar, right? I couldn't find anything about Plan Ambar on the Senasa website or by googling. I'm interested in anything for noncitizens over 70 (and I gather there's just this one).