Understanding Insurance in Aruba: A Simple Guide for Residents and Expats
Learn the basics of insurance in Aruba—from mandatory AZV health coverage and motor insurance to optional home, liability, and business policies.
1. Overview of Insurance in Aruba
Insurance in Aruba combines mandatory public coverage with optional private policies. Residents and workers are required to enroll in the public health system (AZV). Drivers must have third-party liability insurance for all vehicles. Visitors and expats are strongly advised to have travel or private health insurance, as foreign plans are typically not accepted. Other common types of insurance include home/property, personal liability, and business coverage.
2. Health Insurance in Aruba
The public health system, called the Algemene Ziektekosten Verzekering (AZV), provides basic coverage for residents and employees. It includes general practitioner visits, hospital care, and essential medications.
For visitors or expats, private or travel insurance is recommended, especially to cover emergencies, hospitalization, or medical evacuation. Foreign health plans are typically not accepted in Aruba.
3. Motor and Vehicle Insurance
All vehicles in Aruba are required by law to have third-party liability insurance, which covers damages to others. Rental car insurance often includes this, but it's advisable to check coverage, especially for international drivers.
4. Personal Liability and Property Insurance
Personal liability insurance protects against claims from third parties for accidental damage. It generally excludes intentional damage or contractual obligations.
Property or home insurance protects your assets against risks like fire, theft, or natural events. These policies are optional but recommended, particularly for homeowners and renters.
5. Business Insurance
Local businesses can obtain tailored coverage for their assets, employees, and operations. Policies vary widely depending on the type and size of the business.
6. Practical Considerations
- Medical emergencies: Serious cases may require transfer to Curaçao or the United States.
- Safety: Aruba is generally safe, but insurance is important for activities like water sports or driving.
- Pharmacies and healthcare access: Both public and private options exist; residents should register with a general practitioner for routine care.
For comprehensive coverage tailored to individual needs, it is always recommended to consult licensed local insurance providers.
7. Frequently Asked Questions (FAQ)
Is health insurance mandatory in Aruba?
Residents and employees must enroll in the public health system (AZV). Visitors and expats are strongly advised to have travel or private health insurance, as foreign plans are typically not accepted.
Is car insurance mandatory in Aruba?
Yes. All vehicles in Aruba must have third-party liability insurance. Rental car insurance often includes this, but international drivers should verify coverage.
What is AZV insurance in Aruba?
AZV (Algemene Ziektekosten Verzekering) is the public health insurance system that provides basic coverage for residents and employees, including GP visits, hospital care, and essential medications.
Do I need travel insurance for Aruba?
Yes. Visitors and expats are strongly advised to have travel or private health insurance to cover emergencies, hospitalization, or medical evacuation, as foreign health plans are typically not accepted.
Is home insurance required in Aruba?
Home or property insurance is optional but recommended for homeowners and renters. It protects against fire, theft, or natural events.