Insurance

Insurance in Aruba

Considering insurance in Aruba? Here you'll find clear information on AZV, car and home insurance, and what's required or recommended for you — so you can live on the island well covered.

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Considering insurance in Aruba? Here you'll find clear information on AZV, car and home insurance, and what's required or recommended for you — so you can live on the island well covered.

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Mandatory coverage in Aruba

AZV (Algemene Ziektekostenverzekering) is the mandatory basic health insurance in Aruba.

Optional but recommended

Home insurance, comprehensive car coverage, and liability insurance are not legally required but are often recommended.

For new residents

After registering as a resident, arrange AZV enrollment and then add car and other policies as needed.

Costs and providers

AZV contributions are income-dependent.

Health and car in practice

AZV covers essential medical care.

Making a claim

Each insurer has a claims process for health, car, or home.

Switching or renewing

You can switch insurers or adjust coverage at renewal.

Family and dependants

AZV and other policies can cover dependants.

Business and professional cover

If you run a business in Aruba, professional liability or business insurance may be relevant.

Key information

Mandatory coverage

AZV (Algemene Ziektekostenverzekering) is the mandatory basic health insurance. Third-party car insurance is required if you own or drive a vehicle.

Optional but recommended

Home insurance, comprehensive car coverage, and liability insurance are optional but often recommended for residents and property owners.

For new residents

Once registered, you must enroll in AZV. Car and other policies can be arranged through local brokers or insurers.

Costs

AZV contributions depend on income. Car and home premiums depend on coverage, value, and provider. Compare options before choosing.

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