Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
IMG Global in Costa Rica
IMG Global offers a budget-friendly path to international health insurance for expats in Costa Rica. Combined with mandatory CAJA for routine care, IMG's high-deductible options and 50% deductible waiver provide maximum savings.
The strategy: CAJA handles prescriptions and basic care (it's required anyway), IMG covers private hospitals and major expenses with worldwide portability.
$8M
Max annual limit
50%
Deductible waiver outside US
$500K
Medical evacuation
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See what IMG Global costs for expats living in Costa Rica.
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CAJA + IMG Strategy
The most cost-effective approach combines mandatory CAJA with IMG's high-deductible plans.
The Numbers
- CAJA: ~$75/month (required)
- IMG with $5,000 deductible: ~$60-85/month
- Total: ~$135-160/month for comprehensive coverage
The 50% Deductible Waiver
IMG's standout feature: treatment outside the US gets 50% off your deductible. A $5,000 deductible becomes $2,500 effective in Costa Rica. Combined with CAJA for routine care, you're unlikely to hit even this reduced amount except for major events.
Network Coverage in Costa Rica
IMG uses primarily a reimbursement model in Costa Rica. Pay providers directly, then submit claims.
How It Works
- Any licensed provider: See any doctor or hospital
- Private hospitals: CIMA, Clínica Bíblica, Hospital La Católica
- Pay and submit: Reimbursement typically in 5-10 days
- Freedom: No network restrictions
Plans and Pricing
| Plan | Coverage | Costa Rica (Age 50) | Effective Deductible |
|---|---|---|---|
| Global Medical Insurance | Inpatient + Outpatient | $100-140/mo | 50% waiver |
| With $2,500 Deductible | Inpatient + Outpatient | $75-105/mo | $1,250 effective |
| With $5,000 Deductible | Inpatient + Outpatient | $60-85/mo | $2,500 effective |
| With $10,000 Deductible | Inpatient + Outpatient | $50-70/mo | $5,000 effective |
Prices for worldwide coverage excluding USA. Age 50 shown.
Savings Comparison
| Coverage Scenario | IMG Global | Premium Insurers | Annual Savings |
|---|---|---|---|
| Standard deductible | $1,200-1,680/yr | $2,760-3,600/yr | $1,560-1,920 |
| $2,500 deductible | $900-1,260/yr | $2,040-2,760/yr | $1,140-1,500 |
| $5,000 deductible | $720-1,020/yr | Limited options | $1,000+ |
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vs Local Options
| Factor | IMG Global | CAJA + INS |
|---|---|---|
| Monthly Cost (Age 50) | $100-140 | ~$135 combined |
| With High Deductible | $50-85 | Limited options |
| Deductible Waiver | 50% outside US | No |
| Annual Maximum | Up to $8M | Varies |
| Medical Evacuation | Up to $500K | Not included |
| Portability | Worldwide | Costa Rica only |
| Network | Reimbursement | INS network |
Choose IMG Global If:
- Budget is a major consideration
- High-deductible strategy appeals to you
- You're comfortable with reimbursement
- You travel outside Costa Rica
- Medical evacuation is important
- Maximum coverage limits matter ($8M)
Rely on CAJA + INS If:
- You want direct billing networks
- You're under 70 (INS age limit)
- You don't travel internationally
See all Costa Rica insurance options →
Using Your Insurance in Costa Rica
Reimbursement Process
- See any licensed provider
- Pay at time of service (get receipt)
- Submit via IMG app or portal
- Processing: 5-10 business days
- Reimbursement to your bank account
Medical Evacuation
IMG includes up to $500K medical evacuation — important if you live outside San José and might need transport for specialized care.
Who Should Choose IMG in Costa Rica
Good Fit
- Budget-conscious expats
- Healthy individuals
- Those comfortable with reimbursement
- Expats who travel frequently
- Those wanting maximum limits
Consider Alternatives
- Those wanting direct billing
- Expats with pre-existing conditions
- Those needing mental health coverage
- People preferring established brands
Common Questions
Do I still need CAJA with IMG?
Yes. CAJA is mandatory for all legal residents. IMG is a supplement.
How does the 50% deductible waiver work?
Treatment outside the US automatically gets 50% off your deductible. A $5,000 deductible becomes $2,500 in Costa Rica. No request needed — it's automatic.
Does IMG cover pre-existing conditions?
IMG typically excludes or applies waiting periods. If you have significant conditions, consider BUPA Global.
Ready for Budget-Friendly Coverage?
Get a personalized IMG Global quote for Costa Rica.
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Disclaimer: This guide is for informational purposes only. CAJA requirements change. Verify all information with IMG Global and Costa Rican authorities.
