Clear, simple health insurance guidance for English-speaking expats — from a trusted local advisor with 40+ years of experience.
Trusted by hundreds of families since 1984.
Instant download. No obligations.
Most expats arrive without clear guidance. The excitement of a new life often overshadows critical details about how to navigate the medical landscape.
Confusion about which hospitals provide the best care.
Uncertainty about real medical costs and pricing.
Not knowing how emergencies work in a foreign language.
Worrying about pre-existing conditions and coverage.
You deserve simple, expert, trustworthy guidance — in English.
Experience the "Expat Protection System" difference. Use our smart tools powered by Gemini AI to navigate Panama's health landscape right now.
Not sure how to tell a doctor about your symptoms? Describe them here in English, and we'll translate it into professional medical Spanish.
Spanish for Doctor:
Confused by insurance terms? Paste a confusing sentence from a policy or brochure, and we'll explain it in simple, plain English.
Plain English:
Your health and peace of mind — handled with concierge-level care.
A clear explanation of how the Panamanian health system works, minus the jargon.
A curated selection of the absolute best insurance plans specifically for expats.
Emergency-ready instructions and support so you are never left guessing.
Dedicated WhatsApp assistance. Real human support when you need it most.
Annual reviews to keep your coverage optimal as you age and your needs change.
Personal guidance every step of the way. You are not a policy number, you are family.
To Health & Insurance in Panama
Gonzalo de la Guardia Arias
Stop searching through outdated forums and confusing websites. Get the definitive facts in one simple document.
Your Panama Health Insurance Advisor
High-trust, family-style service. With more than 40 years advising executives, families, and retirees, I specialize in guiding English-speaking expats who want clarity, honesty, and peace of mind while living in Panama.
"I don't just sell policies. I build protection systems for your new life in the tropics."
We handle the complexity. You enjoy your retirement.
Get the free information you need to start.
A free 15-minute chat to assess your needs.
Receive a personalized protection strategy.
Full support and welcome to the family.
Don't leave your wellbeing to chance. Get the expert advice you need.
Download the Free Expat Survival Guide
Regulated and supervised by the Superintendence of Insurance and Reinsurance of Panama
Broker License: PJ918.
