Health insurance that meets your residency requirements

Citizens Health Insurance offers reliable and affordable medical coverage for anyone living or working locally. Whether you need essential protection or a more extensive plan, you’re covered with clear benefits and fast access to care.
  • Reliable
  • Affordable
  • Simple
Health insurance that meets your residency requirements

Medical coverage designed for residents and newcomers

For many newcomers and foreign workers, having a valid health insurance policy is a requirement for residence permits. Citizens provides two simple, transparent options: Essential and Extra, so you can meet the legal requirements and access the medical care you need. Affordable, compliant and easy to understand, exactly what you need when settling in Curaçao.

Medi Essential

Basic, reliable coverage that meets the core medical requirements for residency. Includes hospitalization, surgery, doctor visits, prescribed drugs and maternity care at standard limits.

Medi Extra

Extended coverage with higher limits for doctor visits, specialists, maternity care, diagnostics and hospital treatment. Ideal if you want broader protection and lower out-of-pocket risk.

Car Insurance by Citizens – simple choices, reliable coverage

Basic, reliable coverage that meets the core medical requirements for residency. Includes hospitalization, surgery, doctor visits, prescribed drugs and maternity care at standard limits.
Extended coverage with higher limits for doctor visits, specialists, maternity care, diagnostics and hospital treatment. Ideal if you want broader protection and lower out-of-pocket risk.
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All amounts are in XCG
Available Plans Explore Options
Medi Essential Basic medical coverage meeting residency requirements.
Medi Extra Broader medical coverage with higher limits.
Hospitalization (local – Curaçao)
Unlimited cover (registered class)
Enhanced coverage (higher class depending on policy)
Hospitalization abroad
Covered with Curaçao tariffs & pre-approval
Higher limits for care abroad & pre-approval
Surgery
Customary & normal charges based on Curaçao tariffs
Higher reimbursement levels
Doctor visits
60 per visit (max 1/day)
Higher max. reimbursement per visit
Specialist visits
75 per visit
Higher limits per visit
Prescribed drugs
100% if prescribed by GP or specialist
100%, broader accepted medication list
Maternity benefits
Hospital delivery + consultations + fetal scans
Higher limits for delivery, consultations & scans
Intensive care (local)
Covered up to 14 days
Extended limits
Isolation room
Max. 4 days
Higher limits where applicable
Air transport
80% up to 2,000
Higher limit
Ambulance
Covered for local transport
Extended coverage
Preventative treatment
Mammography, cervical & prostate screening
Broader preventive coverage
Diagnostic X-ray & lab
100% (if medically required)
100%, broader eligibility
All amounts are in XCG
Medi Essential Basic medical coverage meeting residency requirements.
Medi Extra Broader medical coverage with higher limits.
Hospitalization (local – Curaçao)
Unlimited cover (registered class)
Hospitalization (local – Curaçao)
Enhanced coverage (higher class depending on policy)
Hospitalization abroad
Covered with Curaçao tariffs & pre-approval
Hospitalization abroad
Higher limits for care abroad & pre-approval
Surgery
Customary & normal charges based on Curaçao tariffs
Surgery
Higher reimbursement levels
Doctor visits
60 per visit (max 1/day)
Doctor visits
Higher max. reimbursement per visit
Specialist visits
75 per visit
Specialist visits
Higher limits per visit
Prescribed drugs
100% if prescribed by GP or specialist
Prescribed drugs
100%, broader accepted medication list
Maternity benefits
Hospital delivery + consultations + fetal scans
Maternity benefits
Higher limits for delivery, consultations & scans
Intensive care (local)
Covered up to 14 days
Intensive care (local)
Extended limits
Isolation room
Max. 4 days
Isolation room
Higher limits where applicable
Air transport
80% up to 2,000
Air transport
Higher limit
Ambulance
Covered for local transport
Ambulance
Extended coverage
Preventative treatment
Mammography, cervical & prostate screening
Preventative treatment
Broader preventive coverage
Diagnostic X-ray & lab
100% (if medically required)
Diagnostic X-ray & lab
100%, broader eligibility

Your questions answered

Many newcomers, foreign workers and residents who need medical coverage for residency choose Citizens. Our plans are clear, affordable and compliant.

A solid, reliable plan that includes hospitalization, surgery, doctor visits, prescribed drugs, diagnostics and maternity care.

A more comprehensive plan with higher limits for consultations, maternity care, diagnostics and hospital treatment.

Yes. There is a 2‑month waiting period, and a doctor’s report is required with your application.

Yes. Both plans include maternity benefits, with higher limits under Medi Extra.

Yes. Prescribed drugs are covered when prescribed by a GP or specialist.

Yes. Treatment abroad must be approved by the Citizens Medical Advisor.

  • Great service, super friendly staff, and really competitive pricing. That’s why my family and I are insured with Citizens.
    — Kingrich Emerenciana
  • I have both my car insurance and health insurance with Citizens. They respond quickly, really take the time to help, and as a mom, that gives me peace of mind.
    — Audry Medina
  • With Citizens, you’re not just a number, they actually see you as a person. That’s what makes the difference for me.
    — Eddie Scevink
  • Everything was clear from the start, and they guided me through the whole process. I chose Citizens because trust and security matter most to me.
    — Gabriel Severina