Expatriate Forums in Mexico

Laid-back writer looking for a house share situation...

Andoulssi — Sun Nov 15, 2009 9:47 am

Author: Andoulssi

Posted: Sun Nov 15, 2009 9:47 am

hi cristina from vancouver Canada...i am thinking to relocate in P.vallerta..and you did find what you are looking for..?? good day!
thx

Cristina wrote:

I am a single female writer looking to share housing. I will be living off of savings while researching my next novel which will be centrally focused on Natural Sciences (- i.e.gastronomy/traditional Mexican/seafood etc...) So I'd be willing to cook for the other (s). So if anyone knows of anyone looking for a trustworthy, really easy-going, down-to-earth housemate (and/or p.t. cook for room) in the Yucatan/Cancun area or anywhere in Mx. please reply. Thanks, Cristina

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Bring your telly with you!!

Suzi Williams — Fri Dec 12, 2008 12:02 pm

Author: Suzi Williams

Posted: Fri Dec 12, 2008 12:02 pm

Hey fellow Travelers!
I am doing a bit of a world trip and not roughing it as much as I should so to speak!! I have bought my laptop to keep in touch with everyone and whilst playing on it other night, I’ve discovered not only can I email my family. I can also keep up to date with all the current TV programs showing in UK!
I am now able to watch UK telly anywhere in the World by installing this toolbar to my PC.
If anyone is in same predicament, visit www(dot)uktelly(dot)tv, it allows you to watch UK telly anywhere at anytime. It works by letting your computer appear to be in the UK even when you travel abroad.
I’ve tried the trial download and works great.
Anyway hope this helps all you Corry and Eastenders fans out there!
Good luck on your trips! Suzi

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Ajijicbound — Sat May 19, 2007 3:59 pm

Author: Ajijicbound

Posted: Sat May 19, 2007 3:59 pm

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bradandlee — Tue Feb 20, 2007 10:39 pm

Author: bradandlee

Posted: Tue Feb 20, 2007 10:39 pm

We found a wonderful place that is juts a 5 hour drive from Phoenix, 4 hours from San Diego. No, this is NOT Rocky Point!

Would you like us to send you an informational DVD? If so, see our contact information, below.

Custom Homesites (1/4 acre +/-) by an American Developer with electric already on the property. Our community is only minutes (6 miles) from the small fishing village of San Felipe, a small village with Old Mexico charm and appeal, with shops, restaurants, sidewalk curio stands with local arts and crafts, small hotels, rental cars, nightlife, clubs, doctors, dentists, barbers, hair salons, bakeries, pharmacies, hospital, and many more services with all the comforts of home.

Every homesite has a 180 degree panoramic view of the aqua blue tranquil waters of the Sea of Cortez. All homesites have 3 vistas: desert, ocean, 10,000 ft. mountain range as a beautiful backdrop. 3 natural landscape environments in one region: desert, ocean, and sierra. Level, surveyed, buildable homesites, with vibrant desert landscape and underground electricity. Current prices start at $50,000.

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Beach Front & Fairway Villas. New phases to be released in late Spring of 2007. Our Beach Front & Fairway Villas are built by a Southern California homebuilder with American building quality and standards. Prices will start in the approx high 400's.

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We were so pleased with the vision, we joined the project, and would be happy to share our experiences and send you an informational DVD. Just contact us.

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Phone: 1-602-741-8987
E-mail: Bradandlee@gmail.com

INTERNATIONAL SCHOOLS IN MEXICO / MEXICO SCHOOL GUIDE

Mexico Info — Mon Dec 04, 2006 5:13 am

Author: Mexico Info

Posted: Mon Dec 04, 2006 5:13 am

INTERNATIONAL SCHOOLS IN MEXICO

American Institute of Monterrey
Perseverancia No. 100,
Col. Balcones del Valle,
Monterrey,
Neuvo Leon, 64700,
Mexico
Phone: 52 81 81743700
Fax: 52 81 81743701
Email: ehuergo@mail.aim-net.mx
Website: www.aim-net.mx

American School Foundation of Monterrey
Rio Missouri 555 Ote,
Colonia Del Valle,
San Pedro, Garza García,
Monterrey,
Nuevo León, 66220,
Mexico
Phone: 52 81 5000 4400
Fax: 52 81 8378 2535
Email: jeff.keller@asfm.edu.mx
Website: www.asfm.edu.mx

American School of Durango
Francisco Sarabia 416 Pte,
Apartado Postal 495,
34000, Durango,
Mexico
Phone: +52 61 8813 3636
Fax: +52 61 8811 2839

American School of Pachuca
Valle de Anahuac,
Valle de San Javier,
Pachuca,
42086, Hidalgo,
Mexico
Phone: +52 77 1713 9608
Fax: +52 77 1718 5077

American School of Puebla
Apartado Postal 665,
Puebla,
Mexico
Phone: +52 22 2248 2555
Fax: +52 22 2230 1515
Website: www.cap.edu.mx

American School of Puerto Vallarta
Albatros 129,
Marina Vallarta,
Puerto Vallarta,
Jalisco, 48354,
Mexico
Phone: 52 32 2221 1525
Fax: 52 32 2226 7677
Email: gsel@aspv.edu.mx
Website: aspv.edu.mx

Bachillerato Alexander Bain
Les Flores 497,
Tlacopac,
San Angel,
Mexico
Phone: +52 5 683 2911
Website: www.alexander-bain.edu.mx

Cardinal School, Campus Allende
Carretera a La Colmena #888,
La Colmena de Abajo,
Allende,
Nuevo Leon, 67350,
Mexico
Phone: 52 82 6268 1870
Fax: 52 82 6268 1872
Email: patricia_najera@prodigy.net.mx

Cetys Universidad
s/n Fracc el Lago,
Apdo Postal 4012,
Zona Centro,
Tijuana, 22550,
Mexico
Phone: +52 66 4903 1800

Colegio Aleman Alexander von Humboldt
Benjamin Hill 43,
Colonia Hipodromo de la Condesa,
06170, Mexico City,
Mexico
Phone: +52 55 567 555 08
Fax: +52 55 567 135 48

Colegio Aleman de Guadalajara
Bosques de los Cedros 32,
Guadalajara,
45147, Jalisco,
Mexico
Phone: +52 32 3685 0059
Fax: +52 32 3685 0080
Website: www.colegioalemanguadalajara.edu.mx

Colegio Americano de Puebla
7 Sur y 47 Poniente,
Puebla,
Mexico
Phone: +52 22 2303 0400 x 5

Colegio Americano de Torreón, A.C.
Paseo del Algodon y Blvd. Carlos Lopez Sosa,
Fraccionamiento Los Viñedos s/n,
Torreón,
Coahuila, 27019,
Mexico
Phone: 52 87 1733 26 60
Fax: 52 87 1733 26 68
Email: mouyed@cat.mx
Website: www.cat.mx

Colegio Americano de Veracruz
Progreso 52,
Jardines de Mocambo,
Boca del Rio,
94299, Veracruz,
Mexico
Phone: +52 2921 9778
Fax: +52 2921 9678

Colegio Arji
Av Mexico No 2 Esq Periferico,
Colonia Del Bosque,
Villahermosa,
Tabasco, 86160,
Mexico
Phone: +52 99 3351 0260
Fax: +52 99 3351 0324

Colegio Ciudad De Mexico,Contadero
Calle de la Bolsa 456,
El Contadero,
Del Cuajimalpa, 05500,
Mexico
Phone: +52 55 5812 2753

Colegio Ciudad De Mexico,Polanco
Campos Eliseos 139,
Col Polanco,
Del Miguel Hidalgo, 11560,
Mexico
Phone: +52 77 5203 7894

Colegio Columbia
Campus Poza Rica,
Col Petrolera Tampico,
Tamaulipas, 89110,
Mexico
Phone: +52 83 3213 00 54
Fax: +52 83 3213 00 62

Colegio Franco-Mexicano
Avenida Ninos Heroes 2578,
Jardines del Bosque,
Guadalajara,
Jalisco, 44520,
Mexico
Phone: +52 32 3122 0201
Fax: +52 32 3122 0478

Colegio Hebreo Maguen David
Antiguo Camino a Tecamachalco #370,
Lomas de Vista Hermosa,
Cuajimalpa, 05100,
Mexico
Phone: (52) 55 55531614
Website: www.chmd.edu.mx

Colegio Humboldt, Deutsche Schule Puebla
Calle 24 Norte 2003,
Apartado Postal 382,
7200 Puebla Pue,
Mexico
Phone: +52 22 2235 9204
Fax: +52 22 2235 9204

Colegio Ingles
Apartado Postal 585,
Col del Valle,
Garza Garcia,
Nuevo Leon, 66220,
Mexico
Phone: +52 81 8363 1117
Fax: +52 81 8363 1985

Colegio Vista Hermosa
Av. Loma De Vista Hermosa 221,
Col, Lomas De Vista Hermosa, 05100,
Mexico
Phone: +52 55 5091 4600
Website: www.cvh.edu.mx

Colegio Wiliams
Empresa No. 8,
Col. Mixcoac,
Del. Benito Juárez, 03910
Mexico
Phone + 52 55 1087 9797
Website: www.colegiowilliams.edu.mx

Colegio Williams De Cuernavaca
Calle Luna 32,
Col Jardines de Cuernavaca,
Cuernavaca,
Morelos, 62360,
Mexico
Phone: +52 77 73223640
Website: www.williams-cuernavaca.edu.mx

Ecole de la Laguna
Flor de Dalia 333,
Colonia Villa Jardin,
Lerdo,
35090, Gomez Palacio,
Mexico
Phone: +52 1728 5146
Fax: +52 1728 5146

Ecole Francaise de Cuernavaca
Heroes de Nacozari,
Colonia Flores Magon,
2370, Cuernavaca,
Mexico
Phone: +52 77 7322 2850
Fax: +52 77 7322 2850

Ecole l'Ile de France
Patricio Sanz 1046,
Colonia del Valle,
03100,
Mexico
Phone: +52 5652 6949

El Colegio Británico (Edron Academy)
Desierto de los Leones 5578,
Olivar de los Padres,
01740 Mexico City,
Mexico
Phone: +52 5585 1920
Fax: +52 5585 2830
Website: www.edron.edu.mx

Escuela Ameyalli
Calz De Las Aguilas 1972,
Axomiatla, 01820,
Mexico
Phone: +52 55 56350861, 55 56351067
Website: www.ameyalli.com.mx

Escuela Bancaria y Comercial
Liverpool 54,
Av Paseo De La Reforma 202 PB,
Col Juarez,
Mexico
Phone: +52 55 9149 2064
Website: www.ebc.mx

Escuela Preparatoria Federal Lazaro Cardenas
Paseo De Los Heroes 11161,
Zona Rio,
Tijuana,
Baja California,
Mexico
Phone: +52 66 4686 2701

ETON Santa Fe
Av. Santa Lucía #220,
Col. Prados de la Montaña,
Cuajimalpa de Morelos,
Mexico City, 05109,
Mexico
Phone: (52) 55 5292 2294 ext 97
Website: www.eton.edu.mx

Greengates School
Avenue Circunvalacion Poniente 102,
Balcones de San Mateo,
11002 Mexico City,
Mexico
Phone: +52 55 5373 0088
Fax: +52 55 5373 0765
Website: www.greengates.edu.mx

Instituto Anglo Britanico
Ave Isidoro Sepulveda No 555,
Col. La Encarnación,
Guadalupe, 66633,
Mexico
Phone: +52 81 8321 5000

Instituto Brillamont
Avenue Vasconcelos 701,
San Pedro,
Garza Garcia,
66230, Nuevo Leon,
Mexico
Phone: +52 81 8338 7464

Instituto D'Amicis
Camino a Morillotla s/n,
Col. Bello Horizonte,
Puebla, 72170,
Mexico
Phone: +52 22 2303 2600
Website: www.institutodamicis.edu.mx

Instituto Jefferson de Morelia
Av Fuentes De Morelia 666,
Col Fuentes De Morelia,
Maria Jesús del Monte,
Morelia, 58080,
Mexico
Phone: +52 44 3 315 1587
Website: www.jeffersondemorelia.com

Instituto Jefferson de Santa Maria
Boulevard Jefferson 666,
Col Santa Maria De Guido,
A un costado de la Bandera Monumental,
Morelia Mich,
Mexico
Phone: +52 44 3323 7983

Instituto La Paz
Av. Plan De San Luis 445 ,
Col Nueva Santa Maria, 02800,
Mexico
Phone: +52 55 5556 6646
Website: www.institutolapaz.edu.mx

Instituto Piaget
Nubes 413,
Col. Jardines del Pedregal,
01900, Mexico City,
Mexico
Phone (52) 55 5568 7128
Website: www.institutopiaget.com.mx

Instituto Senda del Río
Av. Eldorado 1405,
Oeste Colonia Las Quintas,
Culiacán, 80600,
Mexico
Phone: (52) 66 7715 4311
Website: www.senda.edu.mx

International School Querétaro
Paseo del Mesón Nº 77,
Jurica,
Querétaro, 76100,
Mexico
Phone: (52) 44 2234 3042
Website: www.isq.edu.mx

John F. Kennedy School
Av. Sabinos 272,
Fraccionamiento Jurica Campestre,
Querétaro, 76100,
Mexico
Phone: 52 44 2218 0075
Fax: 52 44 2218 1784
Email: mstappung@jfk.edu.mx
Website: www.jfk.edu.mx

Liceo De Monterrey
Humberto Junco Voigt 400,
Col Valle Oriente,
Garza Garcia, 66220,
Mexico,
Phone: +52 81 8748 4100
Fax: +52 81 8363 2310

Liceo De Monterrey - Centro Educativo
Insurgentes 2000,
Col. Sendero de San Jerónimo,
Monterrey,
Nuevo Leon,
Mexico
Phone: 52 81 8221 9851

Liceo Mexicana Japones
AC Cecction Japonesa,
Camino A Santa Teresa 1500,
Col, Jardines del Predregal,
Mexico
Phone: +52 5568 5958
Fax: +52 5568 5958

Lycee Franco-Mexicain
Avenida Homero 1521,
Colonia Polanco,
11520, Mexico City,
Mexico
Phone: +52 55 5280 0482
Fax: +52 55 5280 7201

Pan American School, Monterrey Campus
Hidalgo 656 pte,
Monterrey,
Nuevo Leon, 64000,
Mexico
Phone: 52 81 8342 0778
Fax: 52 81 8340 2749
Email: dadmission@pas.edu.mx
Website: www.pas.edu.mx

Pan American School, San Pedro Campus
Casolar 200,
Villas de San Agustin,
San Pedro,
Garza Garcia,
Nuevo Leon, 66266,
Mexico
Phone: 52 81 3363 5474
Fax: 52 81 3363 5602
Email: cadmission@pas.edu.mx
Website: www.pas.edu.mx

The American School Foundation of Guadalajara A.C.
Colomos 2100,
Apartado 6-280,
Col. Providencia,
Guadalajara,
Jalisco, 44630,
Mexico
Phone: 52 33 3648 0299
Fax: 52 33 3817 3356
Email: asfg@asfg.mx
Website: www.asfg.mx

The American School Foundation of Mexico City, A.C.
Bondojito 215, Col.
Las Américas,
Delegación Alvaro Obregón,
Mexico City, 01120,
Mexico
Phone: 52 55 5227 4900
Fax: 52 55 5273 9658
Email: tmiller@asf.edu.mx
Website: www.asf.edu.mx

The American School of Tampico
Calle Hidalgo No. 100,
Col. Tancol,
Tampico,
Tamaulipas, 89320,
Mexico
Phone: 52 83 3227 2081
Email: avega@ats.edu.mx
Website: www.ats.edu.mx

The Peterson School (Peterson Lomas Preparatoria)
Huizachito 80,
Lomas de Vista Hermosa,
Cuajimalpa,
05720, Mexico City,
Mexico
Phone: +52 55 5813 0114
Fax: +52 55 5813 1385
Website: www.peterson.edu.mx

The Universidad Autonoma de Nuevo Leon
Av Lazaro Cardenas al Oriente,
s/n Col Mederos,
Mexico
Phone: +52 81 8329 4257
Fax: +52 81 8352 2126

Universidad de Monterrey Unidad Valle Alto
Carretera Nacionala Salida Valle Alto Km1
Colonia Valle Alto,
Monterrey,
Neuvo Leon, 64989,
Mexico
Phone: 52 81 8124 1000
Website: www.udem.edu.mx

Westhill Institute
Domingo Garcia Ramos 56,
Prados de la Montana I,
Santa Fe Cuajimalpa,
Mexico City, 05610,
Mexico
Phone: 52 55 5292 6627
Fax: 52 55 5292 6627 ext 105
Email: headmaster@westhill.edu.mx
Website: www.wi.edu.mx

HOUSING IN MEXICO / MEXICO HOUSING GUIDE

Mexico Info — Fri Dec 01, 2006 11:47 am

Author: Mexico Info

Posted: Fri Dec 01, 2006 11:47 am

HOUSING IN MEXICO

If you're staying in Mexico for an extended period, or even you're planning to buy property, the chances are you will need to rent beforehand.

People who rent property in Mexico far outweigh the number who buy. This is because property prices are much higher than average incomes will allow people to afford, and although mortgages are now being proffered by Mexican banks (a few years ago they were virtually unheard of), at an average of 15% a year, they are expensive by current US and European standards.

As access to long-term credit secured by real-estate is becoming more widespread, this is slowly beginning to fuel demand for land and house sales, but on the whole, the majority of the population still rent.

As a result of this rental properties are plentiful, commonplace and varied - and there is something to suit every need, and every budget.

Finding a Property to Rent

You need to establish what your budget is going to be and then draw up a shortlist of areas in the location you want to rent in, avoiding less desirable areas, including those near shanty-towns and areas where crime levels and violence are or may be high. This is especially relevant in Mexico City. Smaller towns and cities just don't suffer from crime the way Mexico City does.

Establish what kind of property you want and where: An apartment or house? Close to town, or out of town? Near the market and local services? Away from the crowds? In a gated community?...

In smaller places, take time to walk around, exploring neighbourhoods to get a feel for the area you may rent in. This is especially important if you'll be renting for an extended period.

Just as buying property successfully requires attention to: location, location, location - the same rule applies for acquiring good rental property.

You will need to be able to speak some Spanish to effectively rent property on an independent basis, especially outside the main tourist areas. Wherever you are in Mexico, if you only speak English and don't employ the use of an agent, your options may be limited and you may not end up negotiating the best deal possible.

There are several ways to approach the market:

Estate Agents: Estate agents will have a list of rental properties on their books. Be sure to go to several estate agents in the area, as they may all list the same property - possibly at different rates. Estate agents will know the area and be able to point you away from areas you wouldn't want to live in and especially useful if your Spanish language skills are limited or you want a professionally managed service.

Newspapers & Internet Cafe Billboards: This is a common way people find rented property in the US and Europe; classified sections of newspapers in Mexico do contain property listings, but you explore other routes as well.

Your Hotel: If you're staying at a hotel, they may have contact with one or more property agents in the area. You may want to enquire at reception as they could put you in touch with a local person who could help you out.

Local People, Local Places: A good way (as reported by many people who go to Mexico searching for a rental) is to engage with the local people in an area where you have decided to look for a rented property (check that the area meets your requirements and standards). Go back to the area regularly, get known and chat with people: in restaurants and cafes, for example. Internet Cafe's often have billboards with information about properties and rooms for rent locally - check them out!

Dealing Direct: Mexican people are very friendly and sooner rather than later you will connect with someone or somewhere who can refer you to a person with a place for rent. You may also see signs on some buildings or houses that read "Se Renta" (for rent) - with a phone number. This may be the agent if the sign is very posh or labeled with a logo, or most probably the landlord if it's handwritten. If you like the look of it and its in the right area: you might want to explore it further.

References
People don't tend to ask for references in Mexico for short term informal rentals (depends on the circumstances), although if you deal through an Estate Agent you will probably be asked for one or two.

When dealing directly with landlords, they tend to judge whether or not they want you to rent the property during their first meeting with you. How much rent you pay and what deposit is required can also be decided at this initial meeting. If you are dealing directly with the landlord, be aware that your first impression will count - lots!

Key Questions
Ask about the availability of electric, water and gas - are they hooked up, or do you need to do this? If there is gas, you are likely to need a gas cylinder - you may need to contract this yourself, and pay a deposit on the tank; some properties now have direct gas lines. Ask about the state of the shower, and if there is a water purifier on the tap, ask if it requires maintenance (and when was the filter changed). Is the phone connected? Are there any maintenance problems you should know about? If its a house, and it has a garden, ask if there are any tools - or if the landlord knows a gardener you can hire. If there is a swimming pool, ask about its maintenance. If there is an alarm, ask how to operate it. Is there a water pump (for pressure)? If so, is it automatic, or manual?

Deposits and Contract Terms

Deposits tend to be the equivalent of 1 calendar month's rent, paid upfront with your first month's rent. An inventory should be carried out with the agent or landlord, noting down any major defects that exist when you start the rental agreement. Any items missing or (further) damage would be charged to your deposit.

Contract Terms usually state that you must pay the deposit and first month's rent in advance.

Your contract may specify a minimum term (say, 1 month), and also specify how much notice you have to give before you leave. Be sure that you understand your commitments fully before signing the agreement.

Some rentals will have a 6 or 12 month minimum stay: some may be as short as a week, although the latter tend to be holiday homes or apartments and are likely to cost more.

If you are in any doubt about your contract, or if you cannot read and understand Spanish well, either use an agent, or get someone to translate it for you. Although the contract may have an English version, in a dispute, only the Spanish version will be recognized in Law.

Payment of Rent

You will either pay the agent or the landlord directly. The concept of "Direct Debit", (direct transfers out of your bank account to pay another party) although becoming more commonplace for payment of bills to larger companies, hasn't become commonplace between individuals yet, so you'll have to hand-over cash to the agency office, or to the landlord who will visit every two weeks or monthly to collect.

Be sure to get a receipt for all payments, especially those made with cash.

Rental Increases

If you are on an extended stay, be aware that rents in Mexico tend to go up annually. Unless otherwise specified in your contract, rents can go up by any amount the landlord sees fit, and you may have only a week to move out if it's too much! In the majority of cases, increases are modest and in line with Mexico's inflation.

Insurance

It may not be your responsibility to insure the property (check the contract), although you may wish to insure the contents and your personal belongings. Local insurance companies can arrange this for you and if you're using an agent, the agency may be able to recommend someone - but shop around as the agents might be on a commission and the deal they proffer may not be your best alternative.

HEALTHCARE IN MEXICO / MEXICO HOSPITAL GUIDE

Mexico Info — Fri Dec 01, 2006 10:09 am

Author: Mexico Info

Posted: Fri Dec 01, 2006 10:09 am

HEALTHCARE IN MEXICO

OVERVIEW

Mexico's social security program provides health care to workers and their families, for some 50 % of the national population (1995). Due to demographic growth (97.5 million in 1999) the State is aiming to provide basic health services for all.

The number of Mexicans with no health coverage has decreased from 10 million in 1995 to 1.5 million in 1999, according to the Pan-American Health Organization. The World Bank, one of the project's sponsors, has contributed US $310 million to the effort. Two of the main obstacles to improving public health services for Mexico's poor have been the population dispersion in rural areas and difficult geographic conditions in reaching them.

Health expenditure in Mexico in 1996 amounted to 4.12% of GDP, US $141 million. Public healthcare costs accounted for 2.12% of GDP, US $ 73 million and private healthcare expenditure amounted to 2% of GDP, US $68 million.

The Mexican Institute of Social Security (Instituto Mexicano de Seguro Social--IMSS) covers approximately 80% of these beneficiaries (all employed in the private sector). The Institute of Security and Social Services for State Workers (Instituto de Seguridad y Servicios Sociales para los Trabajadores del Estado--ISSSTE) covers government /state workers and accounts for 17% of the beneficiaries.

The Secretariat of National Defense (SecretarÃa de Defensa Nacional), the Secretariat of the Navy (SecretarÃa de Marina), Secretariat of Air Force ((SecretarÃa de la Fuerza AÃ©rea) and Mexican Petroleum (PetrÃ³leos Mexicanos--Pemex) have their own health programs, which cover military, air force and naval personnel, and petroleum workers, respectively.

In 1956 the Mexican Federal Government bought most of the shares of Mutualista de Mexico, General Insurance Company Ltd. and Aseguradora Hidalgo and amalgamated to become the National Insurance Institution. Aseguradora Hidalgo looks after the administration and services of life assurance for public sector workers and later, provided them with a comprehensive system of social insurance.

Aseguradora Hidalgo implements medical insurance to complement the existing medical cover from the State Social Insurance for workers from Inst. Mexicano del Seguro Social (IMSS) or Inst. de Seguridad Social al Serv. De los Trabajadores del Estado (ISSSTE). This new medical insurance aims to provide specialised immediate and low-cost medical assistance.

There are two methods of Health insurance:

* Compulsory insurance, for State/public, national defence and corporate workers.
* Voluntary insurance, for the self-employed (professionals, farmers, etc.) Their only option is to buy private insurance.

Children are covered up to the age of 16 or up to the age of 25 if in full-time education.

The market for private health insurance is new and the population is just beginning to choose various types of medical cover on offer. Mexicans may choose to complement their social/State insurance plan with private health insurance. The type of cover varies according to the various plans on offer by different insurance companies. Residents can choose to completely replace the state insurance coverage with private health insurance if they so wish, however, it is possible to have double medical insurance, i.e. private and state funded. Private health insurance does not offer cover for alternative medicines; the only exception is medically trained chiropractors registered with the Mexican Medical council.

In 1997 there were:

* 2,172 private medical centres
* 7,418 private clinics (3,049 general clinics and 4,369 specialised clinics)
* 1,305 emergency units (private)
* 244 ambulances

In-patient and Out-patient services cover varies depending on the insurance company and type of plan chosen. There are well-equipped private and semi-private clinics and hospitals, and qualified professionals who provide first class services to the private insurance sector. Dental benefits are optional, but dental emergencies are covered.

Health Benefits for Expatriates

Expatriates are not covered by the Social health insurance while in Mexico. However, they can avail of private health services if medical cover is arranged by their own company or individually. Service providers to the private health insurance sector are usually top of the range medical centres and clinics and there exists a listing of qualified practitioners, centres and clinics per province/district.

Social Healthcare Services

The social healthcare system is comprised of primary healthcare units and secondary healthcare services. In 1999 the entire social healthcare system incorporated:

* Medical Units: 17,634 (16,703 out-patient units and 931 in-patient units)
* Doctors : 128,128
* Nurses : 176,459

DIRECTORY OF HOSPITALS & CLINICS

Ameri-Med Cabo San Lucas Hospital
Edificio Pioneros Local 1 Col.
Medano
Cabo San Lucas
Mexico
Tel: + 52 66 414 39670

Ameri-Med Cancun Hospital
Blvd. Kukulkan Km. 4
Manzana
Cancun
77500
Mexico
Tel: + 52 9 849 4911

Ameri-Med Hospital Plaza las Americas Cacun
Avenida Tulum Sur
Manzana
Cancun
77500
Mexico
Tel: + 52 9 881 3400

Ameri-Med Puerto Vallarta Hospital
Plaza Neptuno
Marina Vallarta
Puerto Vallarta
48354
Mexico
Tel: + 52 322 221 0023

American British Cowdray Hospital
Sur 136 No. 116
Colonia Las Americas
Delegacion Alvaro Obregon
Mexico City
01120
Mexico
Tel: + 52 5 230 8000
Fax: + 52 5 230 8037

Centro Medico Dalinde
Tuxpan No. 25 Colonia Roma
Mexico D.F.
06760
Mexico
Tel: + 52 55 5574 4444
Fax: + 52 55 5264 8082

Centro Medico Quirurgico
Basilio Badillo 365
Puerto Vallarta
Mexico
Tel: + 52 322 223 1919

Hospital Americano
Retorno viento No 15
Cancun
Mexico
Tel: + 52 998 884 6133

Hospital Angeles de las Lomas
Vialidad de la Barranca S/N
Valle de las Palmas H
Mexico DF
Mexico
Tel: + 52 55 5246 5000

Hospital Angeles del Pedregal
Camino a Santa Teresa 1055
Col. Heroes de Padierna
Mexico City
10700
Mexico
Tel: + 52 5 652 2011

Hospital Betania
11 Oriente Nr 1826
Colonia Azcarate
Puebla
Mexico
Tel: + 52 22 2213 8300

Hospital Del Pacifico
Fraile y Nao Nr 4
Col Fracc La Bocana
Acapulco
Mexico
Tel: + 52 744 487 7180

Hospital Jose A. Muguerza
Hidalgo 2525 Poniente
Colonia Obispado
Monterrey
Mexico
Tel: + 52 81 8399 3400

Hospital Mexico Americano
Colomos 2110
Sector Hidalgo
Guadalajara
Jalisco
44610
Mexico
Tel: + 52 3 641 3678
Fax: + 52 3 6424297

Hospital Privado Magallanes
Wilfredo Massieu No 2
Acapulco
Mexico
Tel: + 52 744 485 6597

Hospital Privado de Hermosillo
Paseo Rio San Miguel #35
Proyecto Rio Sonora
Hermosillo
Sonora C.P.
83280
Mexico
Tel: + 52 6 259 0900
Fax: + 52 6 259 0999

Hospital San Javier
Av. Pablo Casals No. 640 Col. Pradois Providencia
Guadalajara
44670
Jalisco
Mexico
Tel: + 52 33 3669 0222
Fax: + 52 33 3642 6401

Hospital San Jose De Monclova
Tecnologico y Edison S/N
Monclova
Mexico
Tel: + 52 81 8345 1016

Hospital Santa Engracia S.A.de C.V
Av Frida Kahlo 180
Monterrey
Mexico
Tel: + 52 81 8345 1016

Hospital Trinidad
Manzanillo No. 95 Esquina, Tlaxcala, Colonia Roma
Mexico D.F.
06760
Mexico
Tel: + 52 55 5264 1081
Fax: + 52 55 5574 2214

Hospital del Carmen
Tarascos #3435
Fracc. Monraz.
Guadalajara
Jalisco C.P.
44670
Mexico
Tel: + 52 3 813 0042
Fax: + 52 3 813 2423

Hospitales Modernos de Saltillo, S.A. de
Carretera Monterrey-Saltillo Km. 4.5
Saltillo
Coahuila
Mexico
Tel: + 52 84 11 70 10
Fax: + 52 84 11 70 60

Hospiten Cancun
Av. Bonampak Lote 7 Mz. 2 Sm. 10
Cancun
Mexico
Tel: + 52 9 988 813 700
Fax: + 52 9 988 813 737

San Javier Marina Hospital
Blvd. Francisco Medina Ascencio #2760 (Esq. Ma. Montesori
Zona Hotelera Norte
Puerto Vallarta
48333
Jalisco
Mexico
Tel: + 52 322 226 1010

Sharp Mazatlan Hospital
Ave. Reforma y Rafael Buelno s/n
Mazatlan
Sinaloa C.P.
82110
Mexico
Tel: + 52 69 86 56 79
Fax: + 52 69 86 56 76

Sociedad Espanola De Beneficiencia
19 Norte Nr 1001
Colonia Jesus Garc?a
Puebla
Mexico
Tel: + 52 22 2229 3700

Total Assist Hospital
Claveles No. 5 S.M.
22 Centro
Cancun
C.P.77500
Quintana Roo
Mexico
Tel: + 52 98 084 8017

Medical Insurance & Health Insurance Guide

admin — Mon Sep 11, 2006 9:01 am

Author: admin

Posted: Mon Sep 11, 2006 9:01 am

Expatriate Insurance, Medical & Health Insurance Guide

For new ex-patriots, leaving our Countries to be based in a developing country, perhaps for some years, it is often a shock to discover that medical treatment of a reasonable quality is just not available, or very expensive, in their new location. Conditions can differ vastly from Baku to Beijing to the Bahamas. Many documented case histories sadly indicate the devastating experience both mentally, physically and financially of falling seriously ill when overseas, can become. Private Medical Insurance when abroad is like a parachute when flying. You may not need one but it better be there, as you and your family would may not survive without one. e.g.: Being evacuated from the Gobi desert, following a car accident resulting in broken bones, coupled to a suspected fractured skull is not an easy matter at any time.

The medical insurance plans you may need are readily available through a worldwide network of specialist Brokers, Independent Financial Advisors, or via the Plan Insurers themselves, who advertise extensively through magazines and expatriate media. Several specialist independent Brokers now have their own websites, offering multiple choices of health insurance plans. The taking of independent advice is always recommended, in order that you not only buy the right plan, but pay premiums appropriate to your new country area. Do not buy a plan without studying the policy wording carefully, particularly underwriting conditions, benefits, etc. If in doubt, ask and then complete all application forms fully, to the best of your ability.

The Premium/Benefit Trade Off

Too frequently, a potential customer or new client will look to lowest price or premium cost comparisons, before really considering the specific benefits and area of cover they may actually need. The ex-patriot client should carefully review benefits of cover offered, check out any limits to that cover and any exclusions made by the insurer. Some plans are cheaper for a reason. Often they include large voluntary deductibles on any claim you might make in future and may severely cap the benefits received under the plan. Cover limits can vary from ?50,000 total cover to as much as ?5,000,000 total cover. Any major operation in the USA or perhaps an organ transplant can soon eat up a " capped cover" plan. Exclusions to the policy should also be read carefully and advice taken from an independent Advisor. Our motto is for clients to "define their needs" first, particular Area of cover they need, then their annual healthcare insurance budget. Then, they should look to premium comparisons, last of all.

Many new entrant expatriate Insurers are taking a much easier line on HIV and AIDS issues as well as offering chronic conditions cover, if such conditions develop during the plan lifetime. Post September 11th 2001, many expatriates are now considering the purchase of income replacement insurance, term life and kidnap insurance, or travel insurance, in addition to their Health Insurance Plans.

Underwriting Terms of Plans

For the individual expatriate or family there are usually only two ways to take out international medical insurance. By means of a "moratorium" application or a "full underwriting" application. It is important to understand this rather jargonised phrases as claims can be rejected if you have inappropriate underwriting. A moratorium plan means that any "pre existing" condition, for which you have had treatment, advice or consultation upon during the last 2,3 or even 5 years in some cases, will be EXCLUDED from cover. Should you then not have any treatment, advice or consultations for such conditions for a further two years, your insurer may add that condition to your policy. Full underwriting applications mean that all medical history questions have to be completed (not needed on a moratorium plan) and that most insurers may then exclude any particular stated condition, which they feel will lead to claims upon them. Full underwriting schemes are a little more complex as sometimes confirmation and clarification letters may be needed from your Doctor in order to have a specific condition covered under your new plan, or for that insurer to offer cover at all (E.g.; HIV or AIDS conditions cover or other long-term endemic/chronic conditions.)

For larger groups of expatriates and large corporate plans, Insurers will frequently offer cover on a "Medical History Disregarded" basis, meaning that a new plan member might even be in hospital for a triple bypass, but still have that condition included in the total corporate plan. Clearly with larger numbers of people in a plan, insurers are prepared to take higher risks and offer lower premiums. Company plans can have premiums some 15% to even 40% less than individual plans, due to the larger numbers of employees and higher annual premium overall, charged by that Insurer.

Vital Questions for the Insurance Provider

1. Does the plan allow for cooling off periods, cancellation and then repayment of premium in full?

2. Does the plan offer "Moratorium or is it "Full underwriting" and do I need to have a medical examination before joining.

3. Does the new Insurer offer a 24 hour help line, 7 days a week, available from anywhere in the World (free phone)? Most Insurers now offer this facility

4. Are my pre-existing conditions excluded when joining and if so, for how long are such conditions excluded?

5. Or all and any Nationalities accepted or are there restrictions applying to local nationals? Some Insurers will only take expatriates abroad and not local nationals into an overseas plan (e.g.: - They may cover six British Nationals in Zambia, not the 100 Zambian local national employees)

6. Does the plan allow you to continue cover unbroken through your lifetime? In most cases insurers will continue to offer existing clients cover year on year, irrespective of age or claims history. I.e.: - Once a customer, you may remain a customer, although premium rates charged can increase dramatically with old age.

7. Does the Insurer allow for any Doctor or Consultant or Hospital within the plan? Are there any restrictions in this respect? Most international plans do not place restrictions on either hospitals or Doctors, but almost all demand that their help lines are called first prior to approval of any inpatient care. (I.e.: pre qualified claim or placing of a bond with a specific hospital by Insurance Company)

8. Does the Insurer provide for direct settlement of bills presented by hospitals worldwide, regardless of location? (Or do I have to pay first?)

9. What are the Insurers procedures for Outpatient claims? Do these require any pre authorization or if stated in the plan can I just pay and claim? How long before I get my money back from the Insurer? (14 days? 28 days?)

The vast majority of expatriate health plans DO NOT exclude certain occupations as do many UK based insurance plans. Expatriate plans do however add to premiums for such as Winter Sports or diving holidays.

Nomenclature, names and Plan Titles

The Product Providers and Insurers delight in launching new plan names with "exclusive" qualities in their brand names over those of their direct competitors. However, international medical insurance plans broadly have three key components, which are in-patient or daycare treatment, outpatient treatment, and then and add-on options.

In this way, a basic or standard plan usually includes in-patient and daycare, but no Outpatient or other cover. Comprehensive plans mostly cover outpatient in addition to the inpatient costs, often with a capped limit, whilst "deluxe" "platinum" or "Premier Plus" plans offer a full cover range of inpatient, daycare, outpatient with routine dental. Possibly maternity, evacuation, personal accident cover and even chronic conditions cover in certain cases. (All the bells and whistles plan) We tend to ignore the names of plans but ensure we have clear ideas of benefits specifically, capping, area of cover and any exclusions, when comparing plans against a clients requirements. For example a USA passport holder living in Paris, who never needs cover in the USA apart from the occasional holiday trip, could take Area 1 European cover, which is often half the price of full world wide cover including the USA. Area 2 is usually described as Worldwide cover excluding the USA or Canada" with Area 3 being the most expensive offering global cover including the USA, all year round

A small travel add-on option can often help with up to 30 days emergency cover in USA or Canada should such be needed. Elective care in USA can also be added for just thirty days a year too, at a substantial discount to full Area 3 cover premiums. Some Insurers now offer modular benefit packages where clients can "pick and choose" benefits, working out their own premiums, at the end of this mix and match.

Emergency, Evacuation and Repatriation

1. Does the Plan include evacuation and repatriation and mortal remains repatriation or are these benefits add on extras?

2. What costs are included in the evacuation or repatriation cover? Some plans only cover travel costs, not accommodation; some plans only give cover one way.

3. Does the Plan cover both your outward journey and pay for you to return from where you started?

4. Does the plan cater for one person or can a business colleague or a family member accompany the Plan holder when travelling for treatment after evacuation? Emergency treatment when abroad can be very stressful at the best of times and being accompanied can be a huge comfort.

Outpatient Costs and General Practitioner Costs

Expatriates with families and small children will know that "Outpatient costs" and visits to the local Doctor are usually the main cost area at home, but particularly whilst abroad. Expats in developing countries are more prone to ill health and most will have at least one or more visits to a GP during a tour of duty. You need to know that GP costs will be fully reimbursed, or that you know the level of deductible, which will be made from any and all outpatient claims. (Each and every claim or an amount, which cumulates annually) Read your Plan carefully.

1. Many Insurers offer a limit or budget Outpatient benefits and these issues should be carefully studied in the new plan. Note any restrictions

2. Check the wording of drugs and dressings offered to note whether "Full Cover" or financial limits are set in the plan.

3. Few plans offer "Elective" or "Well woman " Well man" checks. Most international plans cater for healthcare once the patient has symptoms or is ill. They do not offer preventative checks or Health Checks at the control of the client. (Some larger company plans do offer well man checks)

Outpatient Cover, Complementary Medicine, Dental plan or Routine Maternity plan

If you are able to afford the premiums, Outpatient cover added to in-patient/daycare cover makes sense. In-patient care gives catastrophic cover or a hospital cost cover, but gives no cost cover if you are "walking wounded". A medium range comprehensive plan may well limit the amount you may claim on the Outpatient costs, but a deluxe or fully comprehensive will give Full Cover for this benefit.

Many plans do offer benefit for accidental damage to teeth by accident, but not routine elective dental healthcare Routine Dental treatment is mostly quoted as an optional extra, as is any option to take out routine maternity treatment. Thus, if you break a tooth you are covered but if you visit the dentist for a crown, beware, you may have to pay. Routine maternity care cover can be a valuable part of overseas family planning, yet many women and families overseas, unfortunately only contact their Broker or Insurer when already pregnant. Few Insurers will allow routine maternity costs re imbursement when a woman is pregnant actually taking out the plan. Almost all Insurers will consider an existing pregnancy as a pre-existing condition, but will cover emergency in pregnancy. If a couple have held medical insurance for one year, the Insurer may offer an option, with CO-insurance for routine maternity costs to a budget limit. Talk this over with a specialist Advisor in Expatriate Health Insurance

More Insurers are now taking a more enlightened approach to the subject of complementary care and costs of such as chiropractioners, osteopaths, homeopaths, acupuncturists and the like. These benefits are usually severely "budget capped" by the Insurers, however.

Other Cost Considerations and Options

With the growing range of plans available across the world, across a vast premium spectrum, several new benefit cost areas are mentioned below, which are not always available from all Insurers, but can be quoted selectively in certain Plans.

Well Child care, well man and well woman checks, all can be quoted

Prosthetic Appliances, can be quoted but capped

Eyeglasses and tests quoted on many deluxe and top plans

Crowns, dentures and bridges, routine dental quoted on top plans

Death of Close Relative, round trip costs covered on many plans

Treatment in USA elective or emergency usually can be quoted

Vaccinations, quoted on some plans

Annual Health Checks, quoted on some top plans

Organ Transplants, AIDS and Chronic cover on some top plans

Hazardous Sports, quoted on some plans.

Legal Costs after accidents abroad, quoted in some plans

Complaints

All Insurer Plans should clearly stipulate the complaints and disputes procedures they follow together with any Regulator. They should illustrate how you may contact the right adjudicators in their company or contact your independent Advisor for help) There are also independent Regulatory Authorities available n most Western countries, such as the UK, who can assist you with a dispute with an Insurer (who is being difficult when settling your claim) If you have bought your Plan through the offices of an independent Broker or Specialist Advisor they will almost certainly be glad to help in legitimate disputes with an Insurer. If you are right, have proper records, the Insurers will pay up.

Overview

Generally, as with most Insurance services, you get what you pay for. Read the documentation carefully, particularly the benefits and exclusions clauses. International Medical Insurance is a complex and difficult field. Many Insurers are competing for your long-term business. They all will argue, "Their Plan is Best." Certain strategic insurance considerations have been also affecting the expatriate market since the World Trade Centre disaster. Many ex-patriots are now looking for international term life and income replacement cover, as well as medical insurance. Time will tell how long term insurance growth is affected in this expanding expatriate global market place.

If you purchase a comprehensive plan from a reputable Insurer, via an independent Broker, you are usually not disappointed. However, if you buy what is clearly a cheap cut plan, without advice, beware when trying to make a claim. (They may well have pages and pages of exclusions in the small print)

It is also important for your budget to choose the correct geographical area of cover. Routine travel options can be taken at much less cost than full-blown USA cover, if you do not really need elective USA cover. Voluntary excesses on claims can substantially reduce premiums, as can co- insurance payments. (Sharing risk costs with the Insurer)

In the final analysis, international expat medical insurance is best to have at your side so that "you may sleep at night abroad" rather than to think of ways to claim. If both parties fully understand the contract and deal in good faith, Insurers very much want to keep clients for the long term. It is always better however, to compare and study at least three packs of brochures from differing Insurers, or have a review done by an independent Broker specializing in the Healthcare Insurance field. All the material needs attention and careful reading. Understand what you are committing to, what the contract actually states, not what you may think it states (or some salesman told you) and what geographical limitations are set giving your area do cover.

You may not need to read this contract again until the moment you need medical aid. Remember, that Brand name alone does not necessarily indicate good service, but that in 2002, many lesser-known expatriate specialist Insurers offer excellent premiums, wide benefits, good claims records and fast efficient electronic client services. Professional support teams are vital in overseas emergencies. Your Helpline card is the key to medical help and assistance 24 hours a day, whilst Overseas. Make sure that you have it to hand and that you know how to use it. With most Insurers now offering toll free global lines 24 hours a day, these vital help-lines are the first port of call, prior to any treatment being arranged, with the exception of emergencies. Establish contact as soon as you can, then let the Insurers assistance teams do the rest.

Article Prepared By

J Leslie Smith B Sc Econ Honours Associate IEE
Chairman and Managing Director
Medibroker International