Everything I wish people knew before signing an insurance policy in Costa Rica.
Having public coverage does not make private insurance pointless, and private insurance does not replace the CCSS. The real difference is time, and who chooses your doctor.
Generic rules like “ten times your salary” usually miss. This is the calculation I walk through with clients, step by step.
Most rejected claims I have seen were not bad faith from the insurer. They were incomplete disclosures at the time of purchase.
Patterns I see again and again, and that a twenty-minute conversation can almost always prevent.