Health care in Uruguay for expats is known for being affordable, reliable, and accessible. Whether you’re moving for residency, lifestyle, or long-term travel, understanding your medical coverage options early on will help you choose the plan that best fits your needs.
Here’s a quick overview to help you get oriented.
Short-Term vs. Long-Term Coverage
Most newcomers arrive with some type of travel insurance or international health plan, especially during the first weeks before enrolling in a local option. Many expats eventually switch to Uruguayan providers, since local coverage is usually more affordable and offers strong access to care.
Types of Health Care in Uruguay for Expats
Uruguay offers:
- Public care (ASSE)
- Private hospitals
- Mutualistas — private health networks similar to HMOs
Each option varies in cost, wait times, English availability, and eligibility criteria. Many expats find mutualistas to be a good balance of affordability and quality, especially once they obtain their cédula.
Using BPS/Fonasa to Access Local Care
Once you are paying into Uruguay’s social system (BPS), you are automatically enrolled in health coverage through Fonasa, with the option to switch to the mutualista of your choice. This system gives expats an accessible way to join a high-quality provider, regardless of age or pre-existing conditions.
Comparing Providers
Tools like atuservicio and feedback from local expat groups can help you understand differences between hospitals, clinics, and mutualistas. Your choice often depends on where you live, your medical needs, and your preferred level of service.
Medication & Emergency Services
Pharmacies are widely available, and many medications are affordable. Emergency ambulance plans are also common and inexpensive, providing 24/7 home response and transport when needed.
Want the Full Breakdown on Health Care in Uruguay for Expats
Our members-only guide provides:
- A deeper explanation of public, private, and mutualista care
- How international plans compare to local options
- Details about BPS, Fonasa, and monotributo enrollment
- Age limits, exclusions, and premium plan requirements
- What services typically cost
- Emergency services, prescriptions, and practical tips
Access the full health care guide: Health Care in Uruguay
