Health Insurance and Healthcare system in Mongolia
Welcome to the ultimate guide on the healthcare system and health insurance in Mongolia for expats. If you’re an expat planning to move to Mongolia, understanding the intricacies of the Mongolian healthcare system is crucial.
Moving to Mongolia as an expat comes with a myriad of exciting opportunities and challenges. This practical guide on utilizing Mongolia’s healthcare system will provide you with essential information, tips, and insights to navigate the healthcare and insurance landscape effectively. By familiarizing yourself with the public healthcare system in Mongolia, Private Healthcare system in Mongolia as well as costs of medical treatment, you equip yourself with valuable information to make informed decisions during your stay in Kingdom.
As an insurance broker specializing in serving expats, our goal is to make your transition to Mongolia as smooth as possible, with a strong focus on your healthcare and insurance needs. This extensive guide will walk you through everything you need to know about health insurance in Mongolia.
Here’s a glimpse of what this guide will cover:
- Healthcare System in Mongolia
- Public vs Private Healthcare System in Mongolia
- Health Insurance for Expats in Mongolia
- Best Hospitals in Mongolia
- Dental Care in Mongolia
- Best Dentists in Mongolia
- Best Health Insurance Providers in Mongolia
- Choosing the Best Health Insurance in Mongolia
Get a Quote on your International Health Insurance Plan in Mongolia here.
Healthcare System in Mongolia
Mongolia’s healthcare system has undergone significant changes over the past few decades, transitioning from a Soviet-style model to a more modern, integrated system. Mongolia’s healthcare system operates under a centralized administrative structure, ensuring consistent policy implementation across the country. At the top level, the Ministry of Health and the Prime Minister collaborate to develop comprehensive healthcare policies, regulations, and strategies. The Ministry of Health then takes the lead in implementing and evaluating these directives.
Despite these improvements, the healthcare infrastructure still faces challenges, particularly in rural areas. Understanding the healthcare system is crucial for expats living in Mongolia to ensure they receive appropriate medical care when needed.
Public Healthcare System in Mongolia
Mongolia’s healthcare system is a mix of public and private providers. The Mongolian government, through the Ministry of Health, is responsible for the overall regulation and funding of public healthcare services. The healthcare system is organized into three tiers:
- Primary Care: This includes family clinics and health centers, mainly located in urban areas, offering basic medical services. It provides essential health services such as vaccinations, maternal and child health care, basic diagnostics, and treatment of common illnesses. These facilities serve as the first point of contact for most patients and aim to prevent and manage chronic diseases. Services provided include:
- Immunizations
- Maternal and child health services
- Basic diagnostics and treatment
- Health education and promotion
- Management of chronic diseases
- Secondary Care: Secondary healthcare services are provided by provincial hospitals and district clinics. These facilities offer more specialized medical care and have more advanced diagnostic and treatment capabilities compared to primary care centers. They serve as referral centers for patients needing specialized consultations and procedures that cannot be handled at the primary care level.
- Tertiary Care: Tertiary healthcare in Mongolia is concentrated in Ulaanbaatar, where the majority of specialized hospitals and medical centers are located. These facilities provide advanced medical treatments, complex surgical procedures, and specialized care for severe health conditions. They also serve as training centers for healthcare professionals and are involved in medical research.
Private Healthcare System in Mongolia
Historically, Mongolia’s healthcare system was primarily public, with services provided by government-run hospitals and clinics. However, as the country transitioned to a market economy in the early 1990s, the private sector began to emerge, offering an alternative to the public system and introducing competition that has driven improvements in healthcare quality and accessibility.
Mongolia has a growing private healthcare sector that provides an alternative for those seeking more personalized and immediate medical care. The private healthcare system is primarily concentrated in urban areas, particularly Ulaanbaatar, and caters to both the local population and expatriates. You can view the best private hospitals in Mongolia below ⬇️
One of the key drivers of this growth in private healthcare is the increasing affluence of the Mongolian population, particularly in urban areas such as Ulaanbaatar, the capital city. As disposable incomes have risen, so has the demand for better healthcare services. Private healthcare providers have stepped in to fill this gap, offering services that are often perceived as superior to those available in the public sector. These private facilities are typically well-equipped with modern medical technology and staffed by highly trained professionals, many of whom have received education and training abroad.
A significant aspect of Mongolia’s private healthcare sector is the rise of medical tourism. The country has begun to attract patients from neighboring countries seeking high-quality, affordable medical treatment. This trend is supported by the Mongolian government’s efforts to promote the country as a destination for medical tourism, with initiatives aimed at improving healthcare infrastructure and services to meet international standards.
However, the rapid growth of the private healthcare sector in Mongolia also presents challenges. There are concerns about the affordability of private healthcare for the average Mongolian citizen, as well as issues related to the regulation and oversight of private medical facilities. Ensuring that these facilities maintain high standards of care and ethical practices is crucial for the long-term sustainability and reputation of Mongolia’s healthcare system.
Health Insurance in Mongolia
Public health insurance in Mongolia is designed to provide universal healthcare coverage to all citizens, ensuring access to essential medical services. The system is primarily funded by the government and managed through the Health Insurance Fund, which collects contributions from various sources, including employers, employees, and government subsidies for vulnerable groups.
Public Health Insurance in Mongolia
The Health Insurance Fund, established in the 1990s, aims to ensure financial protection for citizens by covering a significant portion of healthcare costs.
- The mandatory health insurance scheme covers the majority of the population, including employees, self-employed individuals, and retirees.
- Health insurance contributions are income-based, with both employers and employees contributing.
- Vulnerable groups, such as children, the elderly, and low-income individuals, receive government subsidies for their health insurance premiums.
Public health insurance aims to make healthcare services accessible to all residents, particularly those in rural and remote areas. However, there are challenges related to accessibility and utilization:
- Rural Healthcare Access: Despite efforts to expand healthcare infrastructure, rural areas often face a shortage of medical facilities and professionals. Mobile health units and telemedicine services are being introduced to bridge this gap.
- Quality of Care: The quality of care in public healthcare facilities can vary, with some rural clinics lacking modern equipment and trained staff. Urban hospitals generally offer better services, but they may be crowded and have longer waiting times.
- Healthcare Costs: Public health insurance significantly reduces out-of-pocket expenses for covered services. However, patients may still incur costs for certain treatments, medications, or services not fully covered by insurance.
Private Health Insurance in Mongolia
- Local Private Health Insurance: Offered by Mongolian insurance companies, these plans are tailored to the local market and provide coverage for services at private hospitals and clinics within Mongolia. These plans are suitable for both locals and expatriates residing in Mongolia.
- International Health Insurance: Provided by global insurance companies, these plans offer comprehensive coverage not only in Mongolia but also internationally. These plans cater specifically to the needs of expatriates, ensuring they have access to high-quality healthcare services wherever they are.
Best Hospitals in Mongolia
1.Intermed Hospital
A top-tier private hospital in Ulaanbaatar, known for its advanced medical technologies and comprehensive range of services. Intermed Hospital is one of the leading private hospitals in Mongolia, with its state-of-the-art medical equipment and comprehensive range of services. It offers high-quality care in various specialties, including cardiology, oncology, and surgery.
Contact Info:
- Location: Chinggis Avenue, 41st Khoroo, Khan-Uul District, Ulaanbaatar, Mongolia
- Phone: +976 7701 1111
- Additional Information: Intermed Hospital provides a patient portal for online appointment booking and access to medical records. They also offer a comprehensive health check-up package for early disease detection and preventive care.
2. SOS Medica Mongolia
SOS Medica Mongolia is part of the International SOS network, providing international-standard healthcare services to expatriates and locals. The clinic offers general practice, specialist consultations, emergency services, and medical evacuation. They also offer 24/7 emergency medical assistance and telemedicine services and have multilingual staff to assist expatriates and provide a comprehensive range of occupational health services.
Contact Info:
- Address: Ayud Tower, Sukhbaatar Square 12, Sukhbaatar District, Ulaanbaatar, Mongolia
- Phone Number: +976 7016 5115
- Additional Information: It is the first ISO 9001-2015 accredited medical facility in Mongolia, providing high-quality healthcare and emergency services for over 16 years.
3. Grandmed Hospital
Contact Info:
- Address: Peace Avenue, Bayangol District, Ulaanbaatar, Mongolia
- Phone Number: +976 7011 1000
- Additional Information: Grandmed Hospital offers medical tourism services, catering to international patients seeking advanced medical treatments. They have partnerships with leading international medical institutions for specialist consultations and treatment.
Dental Care in Mongolia
Dental care in Mongolia has significantly improved over the past decade, with both public and private sectors working to enhance the quality and accessibility of dental services. The country offers a range of dental care options, from basic preventive care to advanced treatments. Understanding the dental care landscape is essential for expats to ensure they maintain their oral health while living in Mongolia.
Public Dental Care
The public healthcare system in Mongolia includes dental services, although these are primarily focused on basic and emergency care. Public dental clinics provide services such as:
- Routine check-ups and cleanings
- Fillings and extractions
- Emergency dental care
- Preventive treatments like fluoride applications
Public dental services are often more affordable than private care but may come with longer waiting times and limited access to advanced treatments and technologies.
Private Dental Care
Private dental clinics in Mongolia are known for offering a higher standard of care with modern facilities and equipment. These clinics provide a comprehensive range of services, including:
- General Dentistry: Routine exams, cleanings, fillings, and extractions.
- Orthodontics: Braces, clear aligners, and other treatments to correct dental alignment.
- Cosmetic Dentistry: Teeth whitening, veneers, and aesthetic restorations.
- Dental Implants: Placement and restoration of dental implants.
- Pediatric Dentistry: Specialized care for children, focusing on prevention and education.
- Oral Surgery: Extractions, wisdom tooth removal, and other surgical procedures.
- Endodontics: Root canal therapy and other treatments for dental pulp issues.
- Periodontics: Treatment of gum diseases, including deep cleaning and periodontal maintenance.
Private dental care is more expensive but offers several advantages, such as shorter waiting times, more personalized care, and access to the latest dental technologies. For expats in Mongolia, dental insurance is an important consideration. Many international health insurance plans include dental coverage, providing financial protection for a range of dental treatments. It is advisable for expats to review their insurance policies to understand the dental benefits available and consider purchasing additional dental coverage if necessary.
Best Dentists in Mongolia
Here are some of the best dentists should you need to see one during your time in Mongolia.
Empire Dental Clinic Mongolia
Empire Dental Clinic Mongolia is renowned for its comprehensive dental services, including diagnostics, treatments, and emergency care. The clinic is equipped with state-of-the-art technology such as CAD/CAM for precise dental implants and digital x-rays that minimize radiation exposure. The clinic’s team of highly skilled professionals ensures personalized care for each patient, making it a trusted choice for both locals and expatriates.
- Address: Bayangol District, 16th Khoroo, Amarsanaa Street, Empire Center, 2nd Floor, 16040 Ulaanbaatar, Mongolia
- Phone Number: +976 7011 7011
Services Offered:
- General Dentistry: Routine check-ups, cleanings, fillings, and preventive care.
- Orthodontics: Traditional braces, clear aligners, and other orthodontic treatments.
- Cosmetic Dentistry: Teeth whitening, veneers, cosmetic bonding, and smile makeovers.
- Dental Implants: Complete dental implant services, including planning, placement, and restoration.
- Pediatric Dentistry: Specialized care for children’s dental needs, focusing on preventive measures and education.
- Oral Surgery: Extractions, wisdom tooth removal, and other surgical procedures.
- Periodontics: Treatment and management of gum diseases, scaling, and root planing.
- Endodontics: Root canal treatments and other endodontic procedures.
ZIMO International Dental Clinic
ZIMO International Dental Clinic is known for its commitment to providing high-quality dental care. The clinic offers a wide range of services, including preventive, restorative, and cosmetic dentistry. They are equipped with modern dental technology and have a team of experienced professionals dedicated to ensuring patient comfort and satisfaction. The clinic’s friendly atmosphere and professional approach make it a popular choice for both locals and expatriates.
- Address: Makhatma Gandigiyn Gudamzh, 16000 Ulaanbaatar, Mongolia
- Phone Number: +976 7777 2266
Best Health Insurance Providers in Mongolia
Selecting the right health insurance provider is crucial for expats living in Mongolia to ensure you receive high-quality medical care. Here is a detailed look at some of the top health insurance providers in Mongolia, known for their comprehensive coverage, excellent customer service, and extensive healthcare networks.
International Insurance Providers:
- Cigna Global: Offers flexible health insurance plans that can be customized to suit individual needs, including coverage for inpatient and outpatient care, medical evacuation, and wellness programs.
- Bupa Global: Provides a range of health insurance plans with extensive coverage, including access to a wide network of healthcare providers worldwide and 24/7 customer support.
- Allianz Care: Known for its comprehensive international health insurance plans that cover a broad spectrum of medical services, including emergency treatment, hospitalization, and routine check-ups.
- Aetna International: Offers global health insurance plans with extensive benefits, including access to private hospitals, maternity care, and medical evacuation.
Local Insurance Providers:
- MIG Insurance: One of the leading insurance companies in Mongolia, offering a variety of health insurance plans tailored to the local market.
- Nomin Insurance: Provides health insurance plans that cover medical services at private healthcare facilities in Mongolia.
- Tenger Insurance: Offers health insurance solutions for individuals and families, focusing on comprehensive coverage and customer service.
Choosing the Best Health Insurance in Mongolia
Many expats and long-term visitors opt for international health insurance plans that provide extensive coverage, including access to private healthcare facilities not only in Mongolia but also globally. There are many advantages to getting private insurance, including:
- Access to Private Hospitals: Enjoy shorter waiting times and advanced medical facilities.
- Comprehensive Coverage: Covers a wide range of medical services, including specialized treatments.
- International Coverage: Provides protection while traveling outside of Mongolia.
- Personalized Care: Receive more personalized and patient-focused care.
- Peace of Mind: Knowing that you and your family are covered for any medical emergencies.
By carefully considering your healthcare needs and selecting the right health insurance provider, you can ensure that you and your family have access to the best possible medical care while living in Mongolia.
Our Advice
When choosing health insurance in Mongolia, it’s essential to select a plan that caters to your specific needs and offers comprehensive coverage. At i-Brokers, we specialize in helping expats find the best insurance plans tailored to their unique situations. Consider factors such as the extent of coverage, the reputation of network providers, and the cost of premiums and deductibles. Ensure you get the best treatment at private healthcare facilities, especially in urban centers like Ulaanbaatar. For personalized assistance, click here.
If you’re looking for the best international health insurance plan, look no further than i-Brokers to pick your perfect coverage. i-Brokers partners with over 300+ insurance providers and allows you to compare health insurance policies in seconds. Get a Quote here. We take great pride in offering the best service possible when it comes to insurance. 82% of consumers who compare insurance with i-Brokers find lower premiums. Choose an insurance plan that best suits your requirements and the needs of all the people you care about.