Guatemala International Health Insurance / Healthcare System

 

  Guatemala

The Republic of Guatemala, more commonly known as Guatemala, is located in Central America and it shares land borders with Mexico, Belize, Honduras and El Salvador. The Pacific Ocean runs along its Western coastline with the Caribbean Sea to its East. Guatemala has a population of 13.3 million people within a total land area of 108,890 square kilometers. The official language is Spanish although Guatemala’s rich Mayan history and culture has ensured that twenty one Mayan dialects have remained in daily use; these dialects are more commonly spoken amongst the indigenous population, particularly in rural areas. Guatemala experiences a tropical climate. The varying levels of altitude across the country ensure hot and humid conditions year round in the lowlands and cool and pleasant weather in the highlands. The wet season normally runs from May to November and in previous years hurricanes have caused loss of life and considerable damage to property.

Guatemala’s healthcare system is three tiers in structure: public, private non-profit and private for-profit. The Ministry of Public Health and Social Welfare (MSPAS) in conjunction with the Guatemalan Social Security Institute (IGSS) and various non-governmental organizations (NGOs) administer the country’s public health system through an integrated network of hospitals and clinics.

The Ministry of Public Health and Social Welfare operates in excess of 1,300 healthcare facilities nationwide and is the primary organization responsible for implementing national policy within the healthcare system. MSPAS facilities are generally available free of charge to patients, with the exception of certain hospitals where “donations” are accepted. A Health Policy and Planning document drafted by government in 2007 outlined specific targets in relation to financing, delivery of services and accessibility of Guatemalan healthcare. The latter has proved to be an enduring issue for the MSPAS as health care coverage is widely acknowledged to be poor in the country, with an estimated 40 percent of the population having no access to health facilities.

The private non-profit sector comprises approximately 1,000 NGOs and a number of indigenous medicinal clinics. The private for-profit sector operates under the auspices of the MSPAS, and Private For-Profit facilities, such as hospitals and clinics, are on the whole more comparable to international standards. Private sector providers range from high-end tertiary hospitals, individual practices, pharmacists and traditional providers. The San Carlos University is the preeminent center for education and training of health professionals in Guatemala. Most doctors operating in private medical facilities will have studied in the United States or Europe.

The Guatemalan Social Security Institute, or IGSS, is effectively a Guatemala medical insurance fund, with health care services available to employees of a number of companies who contribute to the system; spouses of fund participants, and children under 5 years of age, receive limited healthcare services under the IGSS. Because IGSS facilities cater to employees of the private sector, they tend to be concentrated around the capital Guatemala City and other large population centers where employment rates are highest.

There are four main sources of healthcare financing and approximate figures for each are: household and family contributions (69 percent), government (18 percent), the private sector (11 percent) and aid from international donors (2 percent). Total annual health spending as a percentage of GDP is approximately 5 percent, of which government spending is approximately 2 percent. This figure has fluctuated both positively and negatively in recent years. Significant changes to the financing structure have occurred within the past decade with contributions from the household’s sector increasing by 60 percent, while government’s contribution has decreased by 40 percent. The Guatemalan healthcare system has changed from one being primarily financed by government, the private sector and international donors to one financed mostly from household and family contributions.

The standard of medical facilities in the capital Guatemala City and other large cities contrast sharply with those in rural areas. A wide range of treatments are available in the capital while facilities in rural areas are basic and limited. Public sector hospitals are often unhygienic and suffer from a lack of personnel, funding, medicines and equipment. Long waiting times, particularly in accident and emergency departments, are coupled with unusually strict rules such as visitors being restricted to family members and friends during official hospital visiting hours. Expatriates and short term visitors who may require medical treatment in Guatemala are advised to use private clinics where possible. Hospitals in Guatemala are reluctant to give medical treatment unless they can be satisfied that you have medical insurance and generally require payment in cash prior to providing treatment. Purchasing comprehensive international medical insurance before travelling to Guatemala is strongly advised. It is also essential that you carry confirmation of your insurance policy at all times.

Guatemala possesses a variety of tourist attractions such as pristine beaches, a number of active and dormant volcanoes, Mayan national heritage sites, jungles and rainforests. Tourists and short term visitors to the country are advised to seek medical advice at least 6 weeks before traveling. The routine vaccination and those for Hepatitis A, Hepatitis B, Typhoid and Rabies are recommended. Malaria is widespread in rural areas at altitudes under 1,500 meters. Standard precautions such as using prescription anti-malarial drugs, using efficient insect repellant and wearing trousers and long sleeve shirts can help prevent bites by mosquitoes. Incidents of Dengue Fever have also been reported recently. Traveler’s diarrhea is quite common and short term visitors are urged to carry anti-diarrheal medicine during their time in Guatemala.

Guatemala suffers from one of the highest crime rates in Central America, with, on average, 98 murders occurring per week. Law enforcement officials are poorly trained and lack sufficient resources to adequately tackle the crime problem and the majority of criminal gangs operate in the knowledge that they can easily avoid arrest and prosecution. While foreign nationals are rarely involved in serious incidents of crime, tourists are frequently victims of assault, theft, armed robbery, carjacking and kidnapping. Opportunist criminals such as pick pockets and purse snatchers are common in all areas of Guatemala, particularly in areas frequented by tourists such as the central market, restaurants and hotels.

 

Guatemala International Health Insurance

 

Whether you are an expatriate visiting or working in Guatemala, international health insurance plans will ensure you have the highest level of medical coverage available. Purchasing a comprehensive Guatemala medical insurance plan is strongly advised. For more information about the products and services Globalsurance can offer, or to receive a free quote, please contact one of our dedicated global health insurance advisers today.

 

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