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Health & Safety
At hospitals and clinics in bigger cities and tourist areas, you can get service in English. You’ll be able to understand procedures and pricing.
Doctors at these facilities are often educated abroad, mostly in the United States. And they’ll usually be able to speak to you in English.
Yes, you can access healthcare services that are as good as any you’d get in North America or Europe.
At both hospitals and private clinics, doctors and other medical staff are well-trained. They’re often educated abroad, mostly in the United States. And they’ll usually be able to speak to you in English.
Fifteen years ago, the Dominican Republic significantly reformed its health care system. In the big cities and major tourist areas like the North Coast, the quality of health care is first rate.
With the large number of expats living on the North Coast, it’s no surprise that the medical services available in Puerto Plata, Sosua and Cabarete are as good as you’d get back home.
Major surgeries and more specialized services are available at a large hospital in Santiago, only an hour south.
You can get a comprehensive health policy in the $1,000-1,20 USD range. Top line policies often include an airlift to the United States in case of major emergency. Less coverage would be cheaper.
For property, coverage is fairly inexpensive. The structure of a home is built with solid concrete, so cost less to insure. You can opt for any number of riders to cover natural disasters, flooding, etc.
If you’re going to rent out your home, you should also consider rental insurance. Prices vary depending upon what you need.
As an expat in the Dominican Republic, you’ll need private health insurance or complementary insurance to fill any gaps in coverage costs, i.e. what you have to pay for each visit or treatment.
Medical insurance plans come in various types:
- Broad Coverage: Covers your medical expenses, possibly including medications. You’ll still need to have the cash to pay the bill at the time services are provided.
- Partial Coverage: Covers a certain portion of each bill. For example, you might be responsible for RD$50-RD$100 of any doctor’s fee of RD$600 (RD is Dominican Republic pesos). With this coverage, you’re restricted to a list of physicians or clinics, which will change from time to time.
- Foreign Insurance: Foreign insurance companies operating in the DR (primarily from the US) offer insurance that includes coverage abroad. This insurance is really only for major care, so to reduce the cost, purchase a policy with a very high deductible (excess) for overseas care.
You should consider getting both health and property insurance. There are a number of North large, reputable insurance providers in the Dominican Republic.
Villas Marinas works with a Dominican company called Universal. Our representative is originally from Canada and now lives in the DR full-time working for Universal. We’d be happy to put you in touch, as well as with other companies.