国际私人医疗保险：拉丁美洲

MIAMI ROUNDTABLE REPORT November 2025healthcareandprotection.com INTERNATIONAL PRIVATEMEDICAL INSURANCE:LATIN AMERICA 2SUPPLEMENT INTRODUCING OUR PANEL David Capote,president LATAM, Manny Lopez,strategic account director, Jesus M. Delgado,president, Boris Garcia-Zakzuk,chief medical and risk management Luciano Garrido,chief revenue officer, Darryl Trawick,founder and group CEO,Trawick International Robert Parra,president and CEO, Lourdes Peters,CEO and chairman, HEALTH&PROTECTION- November 2025 EVERYTHING, EVERYWHERE,ALL AT ONCE Diverse, dynamic and dramatic. These are probably the three best words to describe theLatin America international private medical insurance (IPMI) market – at least based on an Health & Protection’s first eye-opening venture into the region was a warm welcome Florida’s largest city has long been one of the capitals of Latin American culture and thisincludes health insurance too, with the city acting as a prominent base for many major market Our roundtable event in association with Flywire brought together experts from theintermediary, insurer and service provider sectors to share their insight and expertise of the It would be naïve to think such a vast region could be easily placed under one banner, butthe sheer breadth of diversity in the market should not be underestimated by those engaging Furthermore, it is highly dynamic in a near-constant state of flux, with potential for growthand fresh opportunities, along with possible risks, appearing everywhere. And it is also known to be just a little dramatic; where once fertile regions of growth canswing in an instant to becoming barren landscapes, while other quieter lands become And far from being isolated, the region is becoming more global in outlook with itspopulation heading ever further abroad in search of quality healthcare, with insurers and This is creating challenges and opportunities for those working in the sector, but themessage from the panel to those looking to explore it was clear – be careful as the potential Owain Thomas, editor of Health & Protection CONTENTS 15WHERE IS RISK HIDING FOR IPMI PROVIDERS?THE OVERLOOKED COMPLIANCE ADVANTAGERobust data management and security can be an 4WHEN THE PENDULUM SWINGS, IT SWINGS HARDKey to understanding the highly dynamic and complex enabler of growth for global insurers, writes Flywire’s Latin America market is buying-in to its cultures, hears 8EXPENSIVE LEARNING CURVE AWAITS NAÏVEENTRANTSEuropean and US insurers have found mistakes in highly competitive Latin America can prove expensive, but 12LOCATION, LOCATION, LOCATIONThe evolution of IPMI in Latin America is pushing borders and giving patients and insurers cause to 4SUPPLEMENT WHEN THEPENDULUM SWINGS,IT SWINGS HARD Key to understanding the highly dynamic and complex LatinAmerica market is buying-in to its many differences and cultures, added it was a “very dynamic and complexmoment”. ynamic and with strongpotential growth trends, theLatin America international “There’s a lot of competition, there’s a lotof new market entries, which are also health insurance market appears a generally positive one to be However, being home to more than 600million people in more than 20 countries, itwould be foolish to brand this extensiveregion as one homogenous mass, and “Overall it’s growing for what DoctorGarcia-Zakzuk identifies; definitely due tothe situation on the ground, there are “In places like Venezuela, you see peoplewant to buy cover for access to the US or As attendees at Health & Protection’sfirst Latin America international privatemedical insurance (IPMI) roundtable inMiami agreed, when the pendulum of fate “So it’s definitely a growing market, butwe do see there are pressures on pricesmore than ever in this market, it’s much “IPMI is growing in Latin America, mainlyin the number of policies being sold, not somuch the amount of premium,” explainedRedbridge chief medical and risk “One of the reasons behind that crowdedmarket is insurers are making plans thathave less coverage and lower cost so are “Of course, there are also more peopleaware of the need to have supplementalcoverage because the coverage in theirhome countries is not as good as it used to There was widespread agreement thatthe market was growing and could continue David Capote, LATAM president ofTrawick International, was one of those who ‘EXTREMELY VOLATILE’ MARKETThe significant evolution of the market is having profound effects and making it asomewhat unstable place, at least Increasing competitiveness is usuallywelcomed, and in the USA there are callsfrom advisers for greater insurer “It’s a market that has changedthroughout the years and one of the thingsthat is very different now is that it’sextremely competitive,” said Lourdes “It’s a market that’s become extremelyvolatile right now because there are somany companies in the market, so many MOBILE POPULATIONSAnother significant reason for the positiv