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Private health insurance in Mexico, built around the hospitals and countries you actually use.
Major Medical Insurance (GMM) for foreign residents with Temporary (RT) or Permanent (RP) status. Bilingual advisory across five AAA-rated Mexican carriers — with international coverage when you need it.
Why foreigners in Mexico add local GMM
Care you receive in Mexico is best paid for by a Mexican policy. A local GMM plan gives you direct, in-network access to the country's top private hospitals — without depending on your home plan's out-of-network reimbursement, and at a fraction of US costs.
The usual mistake: assuming your home-country plan travels with you. Most do not — or they cover Mexican care only as a costly, slow reimbursement. The clean setup is usually a Mexican GMM plan for care here, with your home plan kept for emergencies back home.
The right plan is the one whose hospital network and territorial scope match how you actually live. That is what we work out together — in English.
What we evaluate together
Hospital network
We confirm your preferred hospitals — Hospital ABC, Médica Sur, Hospital Ángeles, Christus Muguerza, Star Médica — are actually in the plan's network before you contract. Networks vary by carrier and plan tier.
International coverage
If you split time between countries, we prioritize plans with genuine international scope — BUPA International and GNP VIP are the options most used by expats — and confirm the territorial limits in writing.
Deductible & coinsurance
The single most important cost lever. We model a low deductible (higher premium, coverage from the first peso) against a higher one (lower premium, you absorb the first costs) based on your emergency liquidity and risk tolerance.
Underwriting & declarations
We declare your health history correctly from the start, so you know exactly what is covered and what is excluded — and avoid a denied claim later for an omission. Foreign-income profiles are handled up front.
The carriers I work with
For Major Medical Insurance I work with five AAA-rated Mexican insurers, all authorized by the CNSF: BUPA, MetLife, GNP, AXA and Seguros Monterrey New York Life. None is universally "best" — the right one depends on your hospitals, your need for international coverage, your deductible preference and your declared health history. For broad global coverage, BUPA International and GNP VIP are the options expats use most.
How we work
1. Discovery call
Your residency status, where you live and travel, the hospitals you want access to, your health history, and any home-country coverage you already hold. In English or Spanish.
2. Live carrier comparison
We run real quotes across the five AAA carriers, comparing networks, deductibles, coinsurance, international scope and waiting periods — with pros, cons and costs on the table. You decide.
3. Underwriting support
I help you declare your health history correctly and coordinate any medical exam. Documents are issued in Spanish (Mexican law) with an English walkthrough of every clause.
4. Renewals & claims — with a person
Your advisor is me, not a call center. When premiums rise or a claim comes up, you talk to me. We review annually and adjust when your life changes.
Frequently asked questions
How much does private health insurance (GMM) cost in Mexico for a foreigner?
Mexican Major Medical Insurance (GMM) typically costs a fraction of a comparable US marketplace plan, even with top hospital networks and an international rider. Premiums depend on age, deductible, coinsurance, chosen hospital network, sum insured, declared health history, and whether you add international coverage. There is no single price — it is quoted per person through underwriting. During the initial session we run live comparisons across the AAA-rated Mexican insurers I work with (BUPA, MetLife, GNP, AXA and Seguros Monterrey New York Life) so you see real numbers for your situation, not estimates.
Do I need Mexican residency to buy GMM?
Yes. To contract Mexican Major Medical Insurance you need legal residency — Residente Temporal (RT) or Residente Permanente (RP) — because the carrier requires a CURP and a Mexican address. A tourist visa does not qualify. If your residency is in process, we can prepare everything so you are ready to contract the moment your status is approved, and time the start date around any waiting periods.
I already have a US or European health plan. Do I still need Mexican GMM?
For care you actually receive in Mexico, usually yes. A Mexican GMM policy gives you direct access to the country's top private hospitals (Hospital ABC, Médica Sur, Hospital Ángeles, Christus Muguerza, Star Médica) at a fraction of US costs, without relying on out-of-network reimbursement from your home plan. Many of my clients keep their home-country coverage for emergencies back home and add Mexican GMM as the primary layer for anything done in Mexico. We map the right combination so you are not paying twice for the same protection.
Which carriers do you work with, and which are best for international coverage?
For Major Medical Insurance I work with five AAA-rated Mexican carriers: BUPA, MetLife, GNP, AXA and Seguros Monterrey New York Life. There is no universally 'best' one — the right carrier depends on the hospitals you want in-network, whether you need coverage outside Mexico, your deductible and coinsurance preferences, and your declared health history. For broad international coverage, BUPA International and GNP VIP are the options most commonly used by expats who split time between countries. We confirm that your preferred hospitals are actually in the plan's network before you contract.
Does Mexican GMM cover pre-existing conditions?
Individual and family GMM policies in Mexico generally do NOT cover conditions that already exist when you contract — this is standard across the AAA carriers. The critical rule is to declare everything at application (diagnoses, treatments, medications): if the carrier later discovers an omission, it can deny the related claim or cancel the policy. It is far better to declare fully and know exactly what is excluded from day one. If you have a significant pre-existing condition, some carriers and plans accept profiles that others decline — the initial session identifies your realistic options.
Does my Mexican policy cover me when I travel back home or to a third country?
It depends on the plan. Standard domestic GMM covers Mexico, sometimes with limited international emergency assistance (with defined caps and event types). For comprehensive coverage abroad you need an international plan — BUPA International and GNP VIP are the most common options with global networks. If you travel frequently or split the year between countries, we prioritize a plan whose territorial scope matches how you actually live.
I'm a digital nomad on a Residente Temporal visa. Can I get GMM?
Yes — Residente Temporal status with a CURP and a Mexican address qualifies you for most GMM products. Underwriting may take a little longer when your income is foreign-sourced, and depending on age and sum insured you may face a health questionnaire or a medical exam. The AAA carriers I work with vary in how they handle foreign-income and remote-work profiles; we identify the most accommodating options during the initial session.
Can you handle all of this in English?
Yes. I advise bilingually — English and Spanish — for clients from the US, Canada, Europe and Latin America. Mexican law requires the formal policy documents to be issued in Spanish, but I walk you through every document in English and answer your questions in whichever language you prefer. I am MDRT Top of the Table and ranked 8th nationally by AMASFAC.
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Three ways to start
Advisory in English or Spanish. No commitment to the first conversation.