Belize offers both public and private health insurance systems, each catering to different segments of the population with varying needs and expectations. While the public sector is rapidly evolving toward universal coverage through the National Health Insurance (NHI) program, private insurance remains popular—particularly among expatriates and those seeking more specialized or expedited care.
Public Health Insurance: Access and Affordability
The public health insurance system in Belize is spearheaded by the National Health Insurance (NHI) program, overseen by the Ministry of Health and Wellness (MoH). Funded primarily by the government and the Social Security Board (SSB), the NHI is expected to achieve nationwide coverage by the end of 2025. It currently offers comprehensive primary care services—including general consultations, diagnostics, prescribed medications, maternal and child healthcare, and chronic disease management—at little to no cost to patients.
Additionally, as of late 2023, all service fees in public hospitals (except Karl Heusner Memorial Hospital) have been removed, significantly enhancing accessibility for low-income populations. The SSB complements the NHI by providing mandatory coverage for employed individuals, including benefits for workplace injuries, sickness, and maternity leave. Together, these programs form the backbone of a public system aiming to reduce financial barriers and promote equitable healthcare.
Private Health Insurance: Flexibility and Specialized Care
Private health insurance in Belize is often chosen by those seeking faster, more specialized services or international coverage. It is particularly prevalent among expatriates and higher-income individuals who may prefer private hospitals such as Belize Healthcare Partners Limited. Major international providers like Cigna Global, AXA Global, April International, and Geoblue offer customizable plans that cover a wide range of services—including inpatient and outpatient care, maternity, dental, vision, and even medical evacuation abroad.
Unlike public insurance, private plans usually come with monthly premiums and deductibles. However, they provide benefits such as shorter wait times, access to a broader network of specialists, and international coverage options. Belizean provider RF&G Life Insurance also offers local private coverage tailored to residents.
Similarities and Differences
Both public and private systems aim to improve health outcomes and access, but they differ in execution and scope. A key similarity lies in their focus on expanding access to essential services: public insurance via subsidized care and network expansion, and private insurance via tailored, premium-based plans. Additionally, both sectors are increasingly adopting digital health records and telemedicine.
The main differences stem from cost, coverage scope, and provider access. Public insurance is primarily funded by government and employer/employee contributions, offering limited but essential care mostly within the country. In contrast, private insurance offers greater choice and international care options, albeit at a higher personal cost.
Top Public Health Insurances in Belize
Belize’s public health insurance landscape is relatively limited, with its healthcare system primarily centered around the National Health Insurance (NHI) program. Unlike countries with multiple public health insurance schemes, Belize has one main publicly funded insurance option that covers essential health services for eligible residents. Below is a detailed overview of the available public health insurance in Belize:
1. National Health Insurance (NHI) – Belize(Official Website: https://www.nhi.gov.bz/)
Cost:
The National Health Insurance program in Belize is publicly funded and free of charge for eligible residents. It is financed through a combination of general taxation and contributions from the Social Security Board (SSB). Citizens do not pay direct premiums for coverage under the NHI.
Available Services/Coverage Features:
The NHI offers a wide range of primary and some secondary healthcare services. These include:
- General practitioner (GP) consultations
- Pediatric and maternal health services
- Dental care
- Laboratory tests and diagnostic imaging (limited)
- Medications listed under the NHI drug formulary
- Chronic disease management (e.g., diabetes, hypertension)
- Preventive health services, including immunizations
- Referrals to secondary and tertiary care within public facilities
While NHI services are fairly comprehensive at the primary level, access to advanced or tertiary care (e.g., specialized surgeries, cancer treatments) may be limited and may require referral to the Karl Heusner Memorial Hospital (KHMH) or overseas care in more complex cases.
Open for All or Limited:
NHI is currently limited to specific geographic areas, primarily the Southern Health Region (including Toledo and Stann Creek districts) and certain parts of Belize City. Expansion to the entire country has been a long-term goal, but full national coverage is not yet in place. Only residents living in areas with NHI-contracted providers can access the program’s benefits directly.
Core Financial Features:
- No direct premium payments for eligible residents
- Government-subsidized healthcare costs
- Lower out-of-pocket expenses for medications and basic diagnostics
- Services are contracted through private and public sector providers who are reimbursed by the NHI
The NHI also employs performance-based payment systems for its contracted providers, encouraging higher quality and efficiency in service delivery.
Consumer Satisfaction Score:
The NHI in Belize generally receives moderate to high satisfaction among enrolled populations. In the southern districts, where healthcare access was historically limited, the NHI has significantly improved service delivery, resulting in higher public approval. Users appreciate the availability of free medications, organized scheduling, and more personalized care through contracted clinics.
Estimated satisfaction rating: 7.8/10
Top Private Health Insurances in Belize
Belize’s private health insurance market is small but essential, especially for those seeking broader coverage, faster access, and medical services not readily available through the public system. Private insurance is commonly used by expatriates, higher-income residents, and businesses offering employee benefits. Below are the leading private health insurance providers operating in Belize, along with detailed overviews of their offerings:
1. RF&G Insurance Company Ltd. – Health Insurance(Official Website: https://www.rfglife.com/)
Cost:
Premiums vary based on the level of coverage, age, and medical history. On average, individuals may pay between BZ$1,200 to BZ$4,000 annually.
Available Services/Coverage Features:
- Inpatient and outpatient care
- Diagnostic tests and imaging
- Specialist consultations
- Surgical procedures
- Maternity coverage (optional)
- Emergency evacuation
- Overseas medical treatment (with limits)
Open for All or Limited:
Open to all Belizean residents and expatriates. Group and individual plans are available.
Core Financial Features:
- Co-pays and deductibles apply
- Annual and lifetime coverage caps
- Optional riders for dental and vision
- Reimbursement model for certain services
Consumer Satisfaction Score: 8.2/10
RF&G is praised for its reliability, broad provider network, and customer service. Some criticism exists regarding slow claims processing.
2. Atlantic Insurance Company Ltd. – Medical Insurance(Official Website: https://www.atlanticinsurance.bz/)
Cost:
Annual premiums typically range between BZ$1,000 and BZ$3,500, depending on coverage level and applicant profile.
Available Services/Coverage Features:
- General and specialist visits
- Hospitalization and surgeries
- Prescription medications
- Emergency medical care
- Preventive care (in higher-tier plans)
Open for All or Limited:
Available to individuals and corporate clients. Expatriates are also eligible.
Core Financial Features:
- Various deductible options
- Co-insurance typically 20–30%
- Local and limited international coverage
- Cashless services at partner hospitals
Consumer Satisfaction Score: 7.9/10
Known for user-friendly policies and decent hospital partnerships, though coverage abroad can be limited.
3. Sagicor Life Inc. – Health and Major Medical Plans(Official Website: https://www.sagicor.com/en-BZ/)
Cost:
Premiums depend on age, health status, and desired coverage. Individuals may expect to pay BZ$1,500–BZ$5,000 annually.
Available Services/Coverage Features:
- Inpatient and outpatient services
- Chronic disease management
- Diagnostic and laboratory services
- Overseas treatment (subject to approval)
- Wellness benefits and preventive screenings
Open for All or Limited:
Available to individuals, families, and groups. Also open to non-citizens with legal residence.
Core Financial Features:
- High annual/lifetime maximums
- Optional critical illness and dental coverage
- Reimbursement or direct settlement
- Tiered premium structures
Consumer Satisfaction Score: 8.0/10
Sagicor scores well for customization and the option to include regional and international treatment. Some users report delays in reimbursements.
4. BAF Insurance Company (Belize)(Official Website: https://www.baha.org.bz/)
Cost:
Premiums start around BZ$1,000 per year for basic plans and can exceed BZ$4,000 for full coverage with international benefits.
Available Services/Coverage Features:
- GP and specialist care
- Diagnostic tests and X-rays
- Prescription coverage
- Surgical procedures
- International emergency assistance
Open for All or Limited:
Open to citizens and legal residents. Group and individual plans are available.
Core Financial Features:
- Deductibles and co-payments apply
- Some plans offer cashless claims
- Flexible coverage tiers
- Options for dental and vision add-ons
Consumer Satisfaction Score: 7.6/10
Users appreciate affordability and good local coverage. Limited international networks and inconsistent claims service are noted concerns.
5. Apex International Insurance – Expat and Travel Medical Insurance(Official Website: https://www.united.com.bz/)
Cost:
Targeted mainly at expats and tourists, plans start at US$300–$1,500 per year based on age and coverage area.
Available Services/Coverage Features:
- International healthcare access
- Emergency medical evacuation
- Inpatient and outpatient care
- Travel-related medical support
- Repatriation services
Open for All or Limited:
Primarily for non-citizens, long-term tourists, and expatriates residing in Belize.
Core Financial Features:
- Worldwide or regional plans
- High deductible options to lower premiums
- Reimbursement system with fast-track processing
- Currency flexibility (USD/BZD)
Consumer Satisfaction Score: 8.4/10
Highly rated by expats for its global reach and emergency support. Less ideal for long-term residents seeking local-only care.
