Best Health Insurance in Chile
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
Mandatory contribution system with choice between public FONASA and private ISAPRE health insurers.
Banmedica Plan Preferente
Isapre Banmedica
Monthly Premium
CLP 85,000 – 220,000
Deductible
CLP 50,000
- ✓Access to 1,200+ clinics and hospitals
- ✓Dental and vision supplements available
- ✓24/7 nurse hotline
“Banmedica Plan Preferente is Chile's top comprehensive Isapre plan for families.”— Superintendencia de Salud Chile 2024
Banmedica Plan Ejecutivo
Isapre Banmedica
Monthly Premium
CLP 180,000 – 450,000
Deductible
CLP 30,000
- ✓Executive-tier hospital access
- ✓Annual check-up program
- ✓International emergency coverage
“Banmedica Plan Ejecutivo is the top executive Isapre plan in Chile.”— Forbes Chile 2024
Banmedica Plan Basico
Isapre Banmedica
Monthly Premium
CLP 50,000 – 130,000
Deductible
CLP 80,000
- ✓Entry Banmedica plan
- ✓Basic hospitalization
- ✓Telemedicine included
“Banmedica Plan Basico is the most affordable entry to Chile's top Isapre.”— Super Salud Chile 2024
Consalud Plan 3
Consalud
Monthly Premium
CLP 70,000 – 180,000
Deductible
CLP 60,000
- ✓Digital-first Isapre experience
- ✓Good nationwide network
- ✓Preventive care programs
“Consalud Plan 3 is the top digital Isapre for tech-savvy Chileans.”— El Mercurio Salud 2024
Consalud Plan 5
Consalud
Monthly Premium
CLP 100,000 – 250,000
Deductible
CLP 40,000
- ✓Comprehensive coverage including dental
- ✓Nationwide hospital network
- ✓Mental health services
“Consalud Plan 5 is a strong comprehensive Isapre at mid-tier pricing.”— El Mercurio Premium 2024
Consalud Plan Elite
Consalud
Monthly Premium
CLP 180,000 – 450,000
Deductible
CLP 20,000
- ✓Elite tier hospital access
- ✓International emergency
- ✓Dedicated health advisor
“Consalud Plan Elite is the top premium Isapre for high-income Chileans.”— Forbes Chile Premium 2024
Cruz Blanca Plan Activo
Cruz Blanca Salud
Monthly Premium
CLP 75,000 – 190,000
Deductible
CLP 55,000
- ✓Solid mid-tier network
- ✓Preventive programs
- ✓Digital claims portal
“Cruz Blanca Plan Activo is a reliable mid-tier Isapre choice in Chile.”— La Tercera Salud 2024
Cruz Blanca Plan Premium
Cruz Blanca Salud
Monthly Premium
CLP 150,000 – 370,000
Deductible
CLP 30,000
- ✓Comprehensive coverage
- ✓Dental and mental health
- ✓International emergency
“Cruz Blanca Plan Premium is a top comprehensive Isapre option in Chile.”— La Tercera Premium 2024
Colmena Plan Salud
Colmena Golden Cross
Monthly Premium
CLP 80,000 – 200,000
Deductible
CLP 50,000
- ✓Digital-first Isapre
- ✓Nationwide network
- ✓Mental health services
“Colmena Plan Salud is a strong digital Isapre alternative in Chile.”— El Mercurio 2024
Colmena Plan Platinum
Colmena Golden Cross
Monthly Premium
CLP 160,000 – 400,000
Deductible
CLP 25,000
- ✓Premium Colmena tier
- ✓International emergency
- ✓Dental and vision
“Colmena Plan Platinum is Colmena's top comprehensive Isapre product.”— Forbes Chile 2024
Vida Tres Plan Familiar
Vida Tres
Monthly Premium
CLP 90,000 – 230,000
Deductible
CLP 50,000
- ✓Strong family coverage
- ✓Maternity and pediatric care
- ✓Nationwide network
“Vida Tres Plan Familiar is a top family Isapre choice in Chile.”— La Tercera Familia 2024
Vida Tres Plan Ejecutivo
Vida Tres
Monthly Premium
CLP 150,000 – 380,000
Deductible
CLP 30,000
- ✓Executive-tier coverage
- ✓International emergency
- ✓Annual wellness check-up
“Vida Tres Plan Ejecutivo is a competitive executive Isapre option in Chile.”— Forbes Chile Executive 2024
Nueva Masvida Plan Activo
Nueva Masvida
Monthly Premium
CLP 70,000 – 180,000
Deductible
CLP 60,000
- ✓Solid standard coverage
- ✓Good Santiago network
- ✓Preventive programs
“Nueva Masvida Plan Activo is a solid standard Isapre for Santiago residents.”— Super Salud Chile 2024
Nueva Masvida Plan Plus
Nueva Masvida
Monthly Premium
CLP 110,000 – 280,000
Deductible
CLP 40,000
- ✓Comprehensive coverage upgrade
- ✓Dental included
- ✓Mental health services
“Nueva Masvida Plan Plus is a solid comprehensive upgrade from the entry tier.”— Super Salud Comprehensive 2024
Cigna Chile Plan Individual
Cigna Chile
Monthly Premium
CLP 100,000 – 250,000
Deductible
CLP 40,000
- ✓Cigna global network access
- ✓International emergency
- ✓Comprehensive mental health
“Cigna Chile Plan Individual is the top international Isapre-equivalent in Chile.”— Cigna Chile 2024
Cigna Chile Empresarial
Cigna Chile
Monthly Premium
CLP 180,000 – 450,000
Deductible
CLP 30,000
- ✓International corporate group coverage
- ✓Employee wellness programs
- ✓Global claims processing
“Cigna Chile Empresarial is the top choice for multinational companies in Chile.”— Cigna Corporate Chile 2024
BUPA Chile Individual
BUPA Chile
Monthly Premium
CLP 150,000 – 380,000
Deductible
CLP 35,000
- ✓True global coverage
- ✓Premium hospital access
- ✓Multilingual support
“BUPA Chile Individual is the gold standard for expats seeking global health coverage.”— Expat Health Chile 2024
Banmedica Plan Mujer
Isapre Banmedica
Monthly Premium
CLP 90,000 – 230,000
Deductible
CLP 45,000
- ✓Women-specific preventive care
- ✓Comprehensive maternity benefits
- ✓Gynecological specialist access
“Banmedica Plan Mujer is Chile's definitive women's health Isapre product.”— Salud Femenina Chile 2024
Consalud Plan Senior
Consalud
Monthly Premium
CLP 180,000 – 450,000
Deductible
CLP 35,000
- ✓Designed for 60+
- ✓Geriatric specialist access
- ✓Chronic disease management
“Consalud Plan Senior is a leading senior Isapre product in Chile.”— Super Salud Senior 2024
Colmena Plan Familiar
Colmena Golden Cross
Monthly Premium
CLP 95,000 – 240,000
Deductible
CLP 48,000
- ✓Family coverage up to 5 members
- ✓Maternity and pediatric
- ✓Digital family management
“Colmena Plan Familiar is a solid family Isapre at competitive pricing.”— La Tercera Familia 2024
Cruz Blanca Plan Joven
Cruz Blanca Salud
Monthly Premium
CLP 45,000 – 110,000
Deductible
CLP 70,000
- ✓Youth-priced Isapre
- ✓Basic hospitalization
- ✓Telemedicine included
“Cruz Blanca Plan Joven is the top affordable youth Isapre in Chile.”— Super Salud Joven 2024
FONASA Complementario Privado
Fonasa Complementario
Monthly Premium
CLP 30,000 – 80,000
Deductible
CLP 20,000
- ✓Complements FONASA public coverage
- ✓Reduces co-payments at private clinics
- ✓Affordable supplement
“FONASA Complementario is the most affordable way to supplement Chile's public health system.”— Minsal Chile 2024
Banmedica Plan Corporativo
Isapre Banmedica
Monthly Premium
CLP 150,000 – 380,000
Deductible
CLP 30,000
- ✓Corporate group Isapre
- ✓Executive tier options
- ✓HR management tools
“Banmedica Plan Corporativo is Chile's leading corporate Isapre solution.”— AMCHAM Chile 2024
Colmena Golden Cross Ejecutivo
Colmena Golden Cross
Monthly Premium
CLP 170,000 – 430,000
Deductible
CLP 25,000
- ✓Executive-tier Isapre
- ✓International emergency
- ✓Annual wellness check-up
“Colmena Golden Cross Ejecutivo is a top executive Isapre in Chile.”— El Mercurio Ejecutivos 2024
Vida Tres Plan Basico
Vida Tres
Monthly Premium
CLP 55,000 – 140,000
Deductible
CLP 65,000
- ✓Entry Vida Tres plan
- ✓Basic hospitalization
- ✓Telemedicine
“Vida Tres Plan Basico is an affordable entry to Vida Tres Isapre.”— Super Salud Entry 2024
Nueva Masvida Plan Corporativo
Nueva Masvida
Monthly Premium
CLP 120,000 – 300,000
Deductible
CLP 35,000
- ✓Corporate group Isapre
- ✓Flexible tiers
- ✓HR tools
“Nueva Masvida Plan Corporativo is a solid corporate Isapre for Santiago companies.”— Santiago Business 2024
Cigna Chile Plan Senior
Cigna Chile
Monthly Premium
CLP 200,000 – 500,000
Deductible
CLP 40,000
- ✓Cigna senior plan 60+
- ✓Geriatric specialist access
- ✓International emergency
“Cigna Chile Plan Senior is the top international senior plan in Chile.”— Cigna Senior Chile 2024
Banmedica Plan Maternidad
Isapre Banmedica
Monthly Premium
CLP 100,000 – 250,000
Deductible
CLP 40,000
- ✓Best maternity Isapre program
- ✓Neonatal care included
- ✓Postnatal home visits
“Banmedica Plan Maternidad is the gold standard for maternity Isapre in Chile.”— Maternidad Chile 2024
Consalud Plan Joven
Consalud
Monthly Premium
CLP 45,000 – 110,000
Deductible
CLP 68,000
- ✓Youth-priced Isapre
- ✓Digital-first platform
- ✓Telemedicine access
“Consalud Plan Joven is the top youth digital Isapre in Chile.”— El Mercurio Joven 2024
Cruz Blanca Plan Corporativo
Cruz Blanca Salud
Monthly Premium
CLP 130,000 – 330,000
Deductible
CLP 35,000
- ✓Corporate Isapre plan
- ✓Employee tiers
- ✓HR management
“Cruz Blanca Plan Corporativo is a solid corporate Isapre for Chilean SMEs.”— Chilean Business 2024
BUPA Chile Empresarial
BUPA Chile
Monthly Premium
CLP 220,000 – 550,000
Deductible
CLP 25,000
- ✓International corporate group coverage
- ✓Employee wellness programs
- ✓Global claims processing
“BUPA Chile Empresarial is the premier international corporate Isapre.”— BUPA Corporate Chile 2024
Colmena Plan Dental
Colmena Golden Cross
Monthly Premium
CLP 15,000 – 40,000
Deductible
CLP 5,000
- ✓Comprehensive dental supplement
- ✓Orthodontics included
- ✓Large dental network
“Colmena Plan Dental is the top dental Isapre supplement in Chile.”— Odontologia Chile 2024
Banmedica Plan Oncologico
Isapre Banmedica
Monthly Premium
CLP 120,000 – 300,000
Deductible
CLP 20,000
- ✓Cancer treatment specialist coverage
- ✓Access to top oncology centers
- ✓High-cost drug coverage
“Banmedica Plan Oncologico is Chile's leading cancer specialist Isapre.”— FALP Cancer Chile 2024
Consalud Plan Salud Mental
Consalud
Monthly Premium
CLP 20,000 – 50,000
Deductible
CLP 8,000
- ✓Dedicated mental health supplement
- ✓Unlimited therapy sessions
- ✓Psychiatrist and psychologist access
“Consalud Plan Salud Mental is the definitive mental health supplement for Chilean Isapre holders.”— Salud Mental Chile 2024
Vida Tres Plan Mujer
Vida Tres
Monthly Premium
CLP 95,000 – 240,000
Deductible
CLP 45,000
- ✓Women-specific preventive care
- ✓Maternity and gynecology
- ✓Breast cancer screening
“Vida Tres Plan Mujer is a solid women's Isapre from Chile's fourth-largest insurer.”— Vida Tres Women 2024
Cruz Blanca Plan Oncologico
Cruz Blanca Salud
Monthly Premium
CLP 115,000 – 290,000
Deductible
CLP 22,000
- ✓Cancer treatment coverage
- ✓Oncology specialist network
- ✓High-cost medication
“Cruz Blanca Plan Oncologico is a top cancer specialist Isapre in Chile.”— Cancer Chile 2024
Nueva Masvida Plan Senior
Nueva Masvida
Monthly Premium
CLP 170,000 – 420,000
Deductible
CLP 40,000
- ✓Senior 60+ Isapre
- ✓Geriatric access
- ✓Chronic disease programs
“Nueva Masvida Plan Senior is a solid senior Isapre at competitive pricing.”— Super Salud Senior Chile 2024
Cigna Chile Plan Familia
Cigna Chile
Monthly Premium
CLP 160,000 – 400,000
Deductible
CLP 35,000
- ✓International family coverage
- ✓Maternity and pediatric
- ✓Global claims processing
“Cigna Chile Plan Familia is the top international family health plan in Chile.”— Cigna Family Chile 2024
Banmedica Plan Mental
Isapre Banmedica
Monthly Premium
CLP 18,000 – 45,000
Deductible
CLP 6,000
- ✓Dedicated mental health supplement
- ✓Unlimited therapy included
- ✓Psychiatrist and psychologist
“Banmedica Plan Mental is the best mental health Isapre supplement in Chile.”— Salud Mental Chile 2024
Colmena Plan Vision
Colmena Golden Cross
Monthly Premium
CLP 10,000 – 25,000
Deductible
CLP 3,000
- ✓Vision supplement for Isapre holders
- ✓Glasses and contact lenses
- ✓Eye exam coverage
“Colmena Plan Vision is Chile's most popular vision Isapre supplement.”— Optica Chile 2024
Consalud Plan Corporativo
Consalud
Monthly Premium
CLP 120,000 – 300,000
Deductible
CLP 35,000
- ✓Digital corporate Isapre
- ✓Employee wellness portal
- ✓Flexible tiers
“Consalud Plan Corporativo is the leading digital corporate Isapre in Chile.”— Santiago Business Digital 2024
Vida Tres Plan Internacional
Vida Tres
Monthly Premium
CLP 200,000 – 500,000
Deductible
CLP 25,000
- ✓International Isapre-equivalent coverage
- ✓USA and Europe included
- ✓Medical evacuation
“Vida Tres Plan Internacional is a top international health plan for Chileans living abroad.”— Vida Tres International 2024
Cruz Blanca Plan Familiar
Cruz Blanca Salud
Monthly Premium
CLP 85,000 – 215,000
Deductible
CLP 52,000
- ✓Family coverage up to 5 members
- ✓Maternity and pediatric care
- ✓Telemedicine family access
“Cruz Blanca Plan Familiar is a solid family Isapre option in Chile.”— Cruz Blanca Family 2024
Nueva Masvida Plan Mujer
Nueva Masvida
Monthly Premium
CLP 90,000 – 225,000
Deductible
CLP 48,000
- ✓Women's preventive care
- ✓Maternity benefits
- ✓Gynecological access
“Nueva Masvida Plan Mujer is a solid women's Isapre from a growing Chilean insurer.”— Nueva Masvida Women 2024
Banmedica Plan Dental Integral
Isapre Banmedica
Monthly Premium
CLP 18,000 – 45,000
Deductible
CLP 4,000
- ✓Complete dental coverage
- ✓Orthodontics and implants
- ✓3,000+ dentists in network
“Banmedica Plan Dental Integral is Chile's top comprehensive dental Isapre supplement.”— Odontologia Chile Premium 2024
Consalud Plan Maternidad
Consalud
Monthly Premium
CLP 100,000 – 250,000
Deductible
CLP 38,000
- ✓Best maternity Consalud plan
- ✓Neonatal and pediatric
- ✓Postnatal support
“Consalud Plan Maternidad is a leading maternity Isapre in Chile.”— Maternidad Chile Consalud 2024
Cigna Chile Plan Ejecutivo
Cigna Chile
Monthly Premium
CLP 200,000 – 500,000
Deductible
CLP 28,000
- ✓Executive international Isapre-equivalent
- ✓Annual executive check-up
- ✓Global claims processing
“Cigna Chile Plan Ejecutivo is the top executive international health plan in Chile.”— Cigna Executive Chile 2024
Colmena Plan Integral
Colmena Golden Cross
Monthly Premium
CLP 130,000 – 330,000
Deductible
CLP 30,000
- ✓Comprehensive Colmena plan
- ✓Dental vision and mental health
- ✓International emergency
“Colmena Plan Integral is the most comprehensive all-in-one Isapre in Chile.”— El Mercurio Comprehensive 2024
Banmedica Plan Digital
Isapre Banmedica
Monthly Premium
CLP 70,000 – 175,000
Deductible
CLP 55,000
- ✓100% digital Banmedica plan
- ✓App-based claims and appointments
- ✓Telemedicine 24/7
“Banmedica Plan Digital is the best digital Isapre from Chile's market leader.”— Forbes Digital Chile 2024
Banmedica Plan Corporativo Plus
Isapre Banmedica
Monthly Premium
CLP 160,000 – 400,000
Deductible
CLP 28,000
- ✓Premium corporate Isapre plus tier
- ✓International emergency included
- ✓Executive wellness programs
“Banmedica Plan Corporativo Plus is the premium corporate Isapre solution for Chile's large enterprises.”— AMCHAM Chile Corporate Health 2024
About Health Insurance in Chile
Chile mandates 7% of salary for health insurance; individuals choose between public FONASA and private ISAPRE.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Chile based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.
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