Medical & Health Insurance

Why Medical Insurance

Health and accidents can't be predicted

A medical emergency can happen anytime. Without the right protection, the consequences go beyond your health.

Hospital Bills

A single hospitalization can cost thousands. Insurance keeps you from financial ruin when you need care most.

Emergency Care

Emergencies don't wait. With proper coverage, you get immediate access to the best medical facilities.

Loss of Income

An accident or illness can keep you from working for weeks or months. The right plan protects your earnings too.

The right insurance protects both your health and your finances.

Coverage Options

Compare Your Coverage Options

Three types of medical protection: find the one that fits your needs and budget.

	Personal Accident	Medical	Major Medical
What is it	Protection in case of accident	Day-to-day healthcare at private hospitals	Complete protection for serious illnesses
For whom	Anyone without medical insurance From $5/person/month	Anyone up to 65 From $20/person/month	Anyone regardless of age $400+/person/month
Emergency care	Accidents only	✓	✓
Surgeries	✕	✓	✓
Hospitalization	✕	✓	✓
Illness coverage	✕	✓	✓
Accident coverage	✓	✓	✓
Private hospitals	✓	✓	✓
International	✕	Some plans	✓
Typical deductibles	—	25% per event	Min $3,000/year

Why Sostengo

Why Trust Us With Your Health Coverage

Medical insurance is complex. We make it clear.

Terms matter. Not all plans fit everyone. We break down the details so you understand exactly what you're getting.

Advice you can trust

We guide you on private vs. social security, and help you consider your age, lifestyle, and budget to find the right fit.

Transparency first

Clear explanation of every plan, side-by-side comparison of options, and absolutely no pressure to buy.

Global standards, local expertise

Swiss expertise in insurance advisory combined with US major medical support, all tailored for El Salvador.

How It Works

Your Path to the Right Coverage

Six simple steps from inquiry to full protection.

Tell us about your needs

Share your health priorities, family situation, and budget expectations.

Compare plans and coverage options

We present a side-by-side comparison tailored to your profile.

Choose the right protection

Select the plan that best fits your needs, with our expert guidance.

Provide health information

Complete the health questionnaire required by the insurance carrier.

Medical consultation

If required by the carrier, we coordinate your medical exam at no extra cost.

Activate policy with 24/7 support

Your coverage begins and our team is available around the clock for claims and questions.

Already have insurance? Let's make sure it's the right one.

Review My Policy

FAQ

Frequently Asked Questions

Personal accident insurance covers injuries and death caused specifically by accidents, offering fixed payouts. Medical insurance (also called health insurance) covers a broader range of healthcare needs including illness, surgeries, hospitalization, and preventive care at private hospitals. Major medical goes further, covering serious and catastrophic illnesses with higher limits and international options.

Yes, many clients combine a personal accident policy with a medical or major medical plan. The accident policy provides additional lump-sum benefits in case of an accident, while the medical plan handles day-to-day healthcare and hospitalization. We can help you design a combination that maximizes your protection and fits your budget.

It depends on the plan. Standard medical insurance plans primarily cover care within El Salvador at private hospitals. Some plans offer limited international coverage. Major medical plans typically include full international coverage, including access to top hospitals in the US and worldwide. We'll help you choose based on your travel and lifestyle needs.

Personal accident insurance can be activated within 24-48 hours. Medical insurance typically takes 3-5 business days depending on the carrier and whether a medical exam is required. Major medical plans may take 1-2 weeks due to underwriting requirements. We work to expedite every step of the process so you're covered as quickly as possible.

Get Your Medical Insurance Quote

Tell us about yourself and we'll find the right coverage for you. No fees, no obligation.

Protect Your Health and Your Financial Security