Best Health Insurance in Chile
6 insurers ranked and reviewed · Updated May 2026
Healthcare System Overview
Chile's health system offers a dual public-private structure. Workers must contribute 7% of taxable income to either FONASA (the public fund, covering ~80% of the population) or an ISAPRE (private health insurance institution, covering ~17%). ISAPREs are private companies that offer health plans with faster access and broader provider networks but at higher cost. The ISAPRE system has been in crisis since a 2022 Supreme Court ruling ordering refunds of overcharges estimated at US$1.4 billion. As of 2026, only 7 open ISAPREs remain.
About Health Insurance in Chile
Chile's health system offers a dual public-private structure. Workers must contribute 7% of taxable income to either FONASA (the public fund, covering ~80% of the population) or an ISAPRE (private health insurance institution, covering ~17%). ISAPREs are private companies that offer health plans with faster access and broader provider networks but at higher cost. The ISAPRE system has been in crisis since a 2022 Supreme Court ruling ordering refunds of overcharges estimated at US$1.4 billion. As of 2026, only 7 open ISAPREs remain.
Our editorial team has evaluated and ranked the top 6 health insurers in Chile based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.
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