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.