Health insurance for the Panama Remote Worker Visa visa

Cigna Healthcare (Cigna Global Insurance Company Limited) · International health insurance

A full international_full_health plan (Silver $1M / Gold $2M / Platinum unlimited) with Worldwide-including-USA coverage that includes Panama and no upper age limit; this is exactly the 'international plan with Panama coverage valid for the entire stay' that Decree 198 accepts, and it is not pure travel insurance.

• ✓ Three core tiers with annual maximums of $1M/€800k (Silver), $2M/€1.6M (Gold) and paid-in-full with no overall cap (Platinum)
• ✓ No upper enrollment age (18+); insurer states it does not terminate policies based on age
• ✓ Modular design: outpatient, evacuation & crisis assistance, health & wellbeing, vision & dental can be added; deductibles ($0-$10,000) and cost shares (0-30%) reduce the premium

Foyer Global Health S.A. (Foyer Group, Luxembourg) · International health insurance

International_full_health plan with unlimited inpatient cover and a Region 1 worldwide scope that includes Panama for the full expatriation period (3-month minimum stay model), satisfying Decree 198's in-Panama medical-insurance requirement; the only exclusion (US permanent residents) is applicant-side and unrelated to Panama.

• ✓ No overall annual or lifetime limit on core medical cover in all three plans; unlimited inpatient benefits confirmed on the official plan comparison
• ✓ Insurer FAQ explicitly confirms cover in the home country as well as the country of expatriation; worldwide or worldwide-ex-USA regions
• ✓ Luxembourg-regulated insurer (Foyer Group); 24/7 medical assistance, evacuation, teleconsultation and second medical opinion included in all plans

APRIL International Care France (health risk insured by Groupama Gan Vie; assistance/personal liability by CHUBB European Group SE) · International health insurance

APRIL MyHealth International is full international health insurance ($500k to unlimited, hospitalisation and evacuation at 100%) with worldwide cover that includes Panama for the entire stay, meeting Decree 198's accepted international_health type; max enrollment age 74 is the only constraint.

• ✓ Four plan tiers with annual limits from EUR/USD 500,000 (Explore) up to unlimited (Extensive/Elite; capped at EUR/USD 2M-4M for treatment in China, Hong Kong, Japan, Singapore, USA)
• ✓ Enrollment from age 10 up to 74 in most countries; one-year contract with automatic renewal
• ✓ Hospitalisation, medical evacuation and cancer treatment at 100% on all tiers, with hospital direct billing and free unlimited 24/7 telehealth (Teladoc)

SafetyWing (underwritten by SafetyWing Insurance I.I., Puerto Rico; Complete health portion by VUMI Group I.I.) · Nomad subscription

The Complete plan is full health insurance (USD 1.5M/year, worldwide incl. Panama) and SafetyWing issues a certificate of coverage for visa applications, but the cheaper Essential plan is travel-medical, and Decree 198 generally rejects pure travel insurance, so the applicant must use a qualifying tier and confirm in-Panama validity with the immigration authority.

• ✓ Subscription model: Essential auto-extends every 28 days (5-364 days per policy) and can be bought while already abroad; coverage in 170+ countries
• ✓ No deductible on either plan; Essential also includes travel benefits (lost checked luggage, trip interruption, evacuation from local unrest)
• ✓ Complete is full health insurance (USD 1.5M/year) including routine and preventive care, mental health, cancer treatment and limited maternity; renewable for life if enrolled before age 64

Care Concept AG (Bonn, Germany) · Long-stay travel insurance

Care Expatriate is a long-stay expat policy (3 months to 5 years) with worldwide-incl.-Panama outpatient/inpatient/repatriation cover marketed as authority-recognised (>EUR 30k), which can plausibly serve as the required in-Panama medical policy, but as a travel-medical-style product its acceptance under Decree 198 should be confirmed with Panama immigration.

• ✓ Contract terms from 3 months up to 5 years; max entry age 74 (Care Expatriate); Germans/Austrians abroad can re-extend repeatedly until their 74th birthday
• ✓ Home-country visits insured: 30 (Basic) / 45 (Comfort) / 90 (Premium) days per insurance year
• ✓ Official insurer FAQ states products generally meet Schengen visa requirements; instant online confirmation issued at booking and products are recognized by German authorities (>EUR 30,000 coverage)

Genki UG (policyholder/agent); underwritten by Squarelife Insurance AG, Liechtenstein · Long-stay travel insurance

Genki Traveler provides EUR 1,000,000 worldwide medical cover that includes Panama and runs the full stay with an immediately issued certificate, but it is a travel_long_stay (travel-medical) product and Decree 198 states pure travel insurance is generally not accepted, so acceptance must be verified before relying on it for this visa.

• ✓ Up to EUR 1,000,000 medical coverage valid in every country for up to 12 months, with monthly billing and cancellation possible after the first month
• ✓ Sign-up is possible while already abroad and up to age 69; insurance certificate for visa applications and border checks is issued immediately after the first payment
• ✓ 24/7 emergency assistance (MCI Assist) with direct payment for inpatient hospital stays and no deductible on inpatient treatment