How the health system works
Two worlds live side by side: public social security (IMSS for employees and their families, ISSSTE for civil servants, IMSS-Bienestar for the uninsured) and a very good private sector in the capital, where most French families go. No carte Vitale and no reimbursement: you pay, or the insurance pays.
Good to know
- Every employee is enrolled with the IMSS by the employer, with a social security number (NSS) and a local clinic (UMF) assigned by address; spouse and children can be registered as beneficiaries and treated free of charge. Waiting times and comfort explain why expats mostly use it as a safety net. Source
- No insurance is compulsory to live in Mexico, but hospital costs are very high and hospitals systematically refuse patients without a financial guarantee: without an agreement between your insurer and the hospital, you are asked to pay all costs upfront. 'Gastos médicos mayores' or international cover is therefore essential. Source
- The French State does not cover care, hospitalisation or repatriation of a French citizen abroad: the Caisse des Français de l'étranger (CFE) and private insurance are the only possible protections. Source
- In the private sector, no family doctor: you choose your paediatrician, gynaecologist or dentist directly, in the consultorio towers of the ABC, Español, Ángeles or Médica Sur hospitals. The consultation is paid on the spot and the insurance reimburses, or covers hospitalisation directly. Source
- Mexico City sits at 2,240 metres and has pollution peaks, especially from February to May: breathlessness, disturbed sleep and dry noses in the first weeks are common in children as in adults. Hydrate, go easy in the first days and seek medical advice for sensitive people. Source