Best Health Insurance in Costa Rica

2 plans ranked and reviewed · Updated April 2026

Healthcare System Overview

Universal public insurance (CCSS/Caja) with private insurance for private hospital and specialist access.

INS Salud Total Plan Privado

Instituto Nacional de Seguros (INS)

comprehensive

State InsurerTrusted BrandWide Access

★★★★☆4.3(4,200 reviews)

Monthly Premium

USD 70 – 200

Deductible

USD 150

✓Costa Rica's official state insurer with nationwide reach
✓Complementary to CCSS public system
✓Full hospitalization, surgical, and specialist coverage

“INS Salud Total is Costa Rica's most widely trusted private complementary health plan, combining state reliability with broad benefit coverage.”— Superintendencia General de Seguros Costa Rica 2024

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MAPFRE Costa Rica Plan Salud

MAPFRE Costa Rica

standard

International BrandGood Value

★★★★☆4(2,700 reviews)

Monthly Premium

USD 60 – 170

Deductible

USD 100

✓International MAPFRE group backing in Costa Rica
✓Access to top private hospitals in San José
✓Telemedicine service included

“MAPFRE Costa Rica Plan Salud appeals to professionals seeking an internationally recognized insurer with solid San José hospital access.”— La Nación Costa Rica Finanzas 2024

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About Health Insurance in Costa Rica

Costa Rica's CCSS is frequently praised as one of Latin America's best health systems; private insurance adds private hospital access.

Our team of insurance experts has evaluated and ranked the top 2 health insurance providers in Costa Rica 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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