How much does it cost to buy IMSS Health Insurance?

If you need medical attention but you have no employer or are a legal resident you can purchase Family Health Insurance in the IMSS.

IMSS Family Health Insurance allows people who do not have social security to access the medical services offered by the Mexican Social Security Institute ( IMSS ), such as medical, surgical, pharmaceutical and hospital assistance, through the payment of anticipated annual fees.

According to information from the Institute, this incorporation can be individually or collectively. You can also do it as a Mexican working abroad.

This process of Health Insurance for the Family can be done by the owner of the family or a collective group, or by means of a legal representative. If you are a Mexican worker abroad, you can do it by means of a representative through a simple power of attorney.

HOW MUCH DOES AN IMSS INSURANCE COST?

If you have no employer but you need to buy a Family Health Insurance on your own, you have to know the following:

  • You can buy the insurance at any time of the year.
  • Once you have joined, the medical services of the IMSS will begin the first day of the following month.
  • The annual fee will depend on your age range, in the values shown below.

COST OF FAMILY HEALTH INSURANCE BY AGE:

  • 0 to 19 years = $ 3,250
  • 20 to 29 years = $ 3,850
  • 30 to 39 years = $ 4,100
  • 40 to 49 years = $ 5,700
  • 50 to 59 years = $ 6,000
  • 60 to 69 years = $ 8,700
  • 70 to 79 years = $ 9,050
  • 80 years and over = $ 9,100

Documents needed

Expats. Valid PASSPORT, FM2 or FM3

Certified copy of the Marriage Certificate. Original and copy.

Current official identification. Original and copy.

Single Registry of Population Register (CURP). Copy

Proof of payment of the anticipated annuity (for each member of the family group). Original and copy.

Certified copy of the Birth Certificate. Original and copy.

Proof of address. Original and copy.

Data of the applicant or legal representative. Original and copy.

Medical questionnaire provided by the IMSS. Original and copy.

WHAT YOU SHOULD KNOW ABOUT THE IMSS FAMILY HEALTH INSURANCE:

  • The fee is anticipated annual and is determined according to the age range to which each member of the insured group belongs and is updated in February of each year.
  • The benefits that are granted are medical-surgical, pharmaceutical and hospital assistance.
  • You can renew in a timely manner, 30 days before the expiration date of the contracted annuity
  • You can renew extemporaneously, 45 days after the due date, as long as you have acquired a condition within the contracted annuity
  • In no case, the IMSS will make total or partial refund of the payments made, so it is very important that all the information provided is correct and complete, especially that which refers to pre-existing diseases.

ILLNESSES NOT COVERED BY FAMILY HEALTH INSURANCE:

  • Pre-existing diseases, such as: malignant tumors, chronic degenerative diseases (late complications of diabetes mellitus), hoarding diseases (Gaucher’s disease), chronic liver diseases, chronic renal failure, heart valve disease, heart failure, sequelae of ischemic heart disease ( arrhythmia, angina or myocardial infarction), chronic obstructive pulmonary disease with respiratory failure, among others
  • Chronic systemic diseases of the connective tissue, addictions such as alcoholism and other drug addictions, mental disorders such as psychosis and dementias; congenital diseases and Acquired Immune Deficiency Syndrome or Human Acquired Human Immunodeficiency Virus positive (HIV).

Source, IMSS

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