Data verified from official sources · No sponsorship · 100% independent
Compare Health Insurance in Panama 2026
The only honest comparison: real prices, real coverage, limitations nobody tells you about.
11
insurers
24
plans analyzed
Apr 2026
last updated
Updated Apr 2026
"Local or international? It depends on what you need — not what your agent is selling."
Local plans: affordable prices, clinic networks, Panamanian license. International plans: free doctor choice, worldwide coverage, direct payment. Here you compare both — no bias, real data.
Interactive Comparison
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1. Your age
2. Monthly budget
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Access
12 plans · $21 – $250/mo
🏆 Our pick
1
PL
PALIG WorldAccess
LocalLocalsPremium$5M for residents
8.8/10
Starting from:
$250/moCoverage: $5M
Max Age: 65 yrs
Dental:very good
USA:very good
Direct pay:not included
Doctor choice:very good
2
PL
PALIG Health Trust
LocalLocals
7.5/10
Starting from:
$150/moCoverage: $500K
Max Age: 65 yrs
Dental:very good
USA:not included
Direct pay:not included
Doctor choice:good
3
M
MAPFRE Elite
LocalLocalsPremium
6.5/10
Starting from:
$200/moCoverage: $1M/año
Max Age: 65 yrs
Dental:very good
USA:very good
Direct pay:not included
Doctor choice:good
4
ASSA
ASSA MetroBlue Premium+
LocalLocalsPremium
6.1/10
Starting from:
$200/moCoverage: $1M–$2.5M
Max Age: 55 yrs
Dental:partial
USA:partial
Direct pay:not included
Doctor choice:good
⭐ Best value
5
MM
MiniMed Membership
LocalLocalsMost affordable
5.8/10
Starting from:
$22/moCoverage: Básica
Max Age: No limit
Dental:not included
USA:not included
Direct pay:very good
Doctor choice:partial
6
M
MAPFRE Superior
LocalLocals
5.5/10
Starting from:
$130/moCoverage: $350K/año
Max Age: 65 yrs
Dental:partial
USA:not included
Direct pay:not included
Doctor choice:partial
7
S
SURA Premium
LocalLocals
5.3/10
Starting from:
$95/moCoverage: $500K/año
Max Age: 55 yrs
Dental:partial
USA:not included
Direct pay:not included
Doctor choice:partial
8
ASSA
ASSA Medic Care
LocalLocals
5.2/10
Starting from:
$71/moCoverage: $250K–$350K
Max Age: 55 yrs
Dental:not included
USA:not included
Direct pay:not included
Doctor choice:partial
9
M
MAPFRE Catastrophic
LocalLocals
5.0/10
Starting from:
$75/moCoverage: $1M vitalicio
Max Age: 65 yrs
Dental:not included
USA:very good
Direct pay:not included
Doctor choice:very good
10
M
MAPFRE Classic
LocalLocals
4.3/10
Starting from:
$85/moCoverage: $100K/año
Max Age: 65 yrs
Dental:not included
USA:not included
Direct pay:not included
Doctor choice:partial
11
M
MAPFRE Basic
LocalLocals
3.8/10
Starting from:
$60/moCoverage: $50K/año
Max Age: 65 yrs
Dental:not included
USA:not included
Direct pay:not included
Doctor choice:partial
💰 Most affordable
12
S
SURA Basic
LocalLocals
3.5/10
Starting from:
$21/moCoverage: $30K/año
Max Age: 55 yrs
Dental:not included
USA:not included
Direct pay:not included
Doctor choice:partial
* Some links are affiliate links. If you sign up through them, we receive a commission at no extra cost to you. This helps us keep the comparison free and unbiased.
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Local vs. International — Key Differences
🏥 Local Insurance
- ✓ More affordable prices (from $21/mo)
- ✓ Licensed by Panama's Superintendency
- ✓ Established clinic networks
- ✗ Closed network: limited doctor choice
- ✗ Max entry age: 55 (ASSA/SURA)
- ✗ Limited international coverage
🌍 International Insurance
- ✓ Free doctor choice — no closed network
- ✓ Worldwide coverage included
- ✓ Direct payment (card) — no reimbursements
- ✗ Higher prices (from $63/mo)
- ✗ No local license (exception: PALIG)
- ✗ Claims process in English (some)
Real Scenarios: What Happens When...?
Young Panamanian, 28, tight budget
🏥 SURA Basic — from $21/mo
- Cheapest plan in the local market
- 100% digital app — no paperwork
- Telemedicine included at no extra cost
- Licensed in Panama
🌍 International — from $63/moPossible, but unnecessary at this age. The $42/mo difference adds up to $504/yr with no real extra benefit if you live in Panama.
You want to choose your own doctor and specialist
🏥 PALIG WorldAccess — local with free choice
- Free doctor choice with local license
- Coverage up to $5M including USA
- Licensed by Panama's Superintendency
🌍 PassportCard / Cigna — international free choice
- Any doctor, any clinic
- Direct card payment — no reimbursements
- Full worldwide coverage
You're 57 and need new insurance
ASSA / SURAMax entry age: 55 years.MAPFRE / PALIGMAPFRE and PALIG accept up to 65. Both with local Panamanian license.
PassportCard / CignaAccept up to 64–74. Full international coverage.
Which is Best for You?
| Your Profile | Recommendation | Why |
|---|---|---|
| Young Panamanian, healthy, doesn't travel | ASSA Básico o SURALocal | Affordable, sufficient local coverage, from $71/mo |
| Panamanian family, middle class | MAPFRE Elite o PALIG Health TrustLocal | Full family coverage, dental included, local license |
| Very tight budget | MiniMed MembresíaLocal | From $21/mo, direct card payment, no age limit |
| Anyone wanting doctor choice | PassportCard Comfort o PALIG WorldAccessMix | Free doctor choice, no closed network |
| Panamanian who travels frequently | SafetyWing o PassportCard RemoteIntl. | Worldwide coverage, includes home country |
| Executive / high income | PALIG WorldAccess o Cigna GoldMix | Premium coverage ($5M), best clinics worldwide |
| Retiree age 55–65 | MAPFRE, PALIG o PassportCardMix | ASSA/SURA only to 55. MAPFRE and PALIG to 65, PassportCard to 64 |
How we rate each plan
Our transparent methodology — 6 criteria, public data
How we rate each plan
Our transparent methodology — 6 criteria, public data
Each plan receives a 0-10 score based on 6 weighted criteria:
25%
Price-value
How much value for your money?
25%
Coverage
Limits, exclusions, territory
15%
Flexibility
Doctor choice, deductibles, plan options
15%
Claims
Speed and approval rate
10%
Digital
App, online portal, telemedicine
10%
Transparency
Policy clarity, public pricing
All data comes from public sources: official policies, insurer websites, Trustpilot, and interviews with real customers. We do not accept payments to improve scores.
Frequently Asked Questions
What's the difference between local and international insurance?
Local insurers (ASSA, MAPFRE, SURA, PALIG) are licensed in Panama and operate with closed clinic networks at more affordable prices. International ones (PassportCard, SafetyWing, Cigna) offer free doctor choice and worldwide coverage, but generally cost more.
Can I have both local and international insurance at the same time?
Yes, many Panamanians combine a basic local plan with an international one for travel. However, with a good international plan like PALIG WorldAccess or PassportCard Comfort, you generally don't need both.
What if I'm over 55?
ASSA and SURA have a max entry age of 55. MAPFRE and PALIG accept up to 65, both with local Panamanian licenses. PassportCard accepts up to 64 and Cigna up to 74.
Are the prices shown exact?
Prices are based on officially published rates and are regularly updated. The final price may vary based on your medical history, chosen deductible, and specific conditions. Use the age filter to see more precise prices.
Is Revisa24 independent?
Yes. Some links are affiliate links — if you sign up through them, we receive a commission at no extra cost to you. This does not affect our scores or recommendations. All plans are evaluated with the same methodology.
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