There is no health insurance per se that you buy here in Belize, so you don’t have to pay monthly for a policy.
Most expats will carry their own insurance from wherever they’re from. Canadians keep their health insurance and if they’re very, very sick then they go back to Canada and then they’ll come back. The same goes for the States. Those who have their Medicare or private insurance keep it.
There is insurance that you can buy here in Belize but it’s for expats only. It would cover you in case of emergencies and only at the main hospital in Belize City, Karl Heusner Memorial Hospital. Most people don’t have health insurance, me included, and I have diabetes. I just go to the hospital, pay whatever’s necessary, which is very minimal, get treated and go home.
There’s really no need for insurance because the doctors are free. The only thing you pay for are some medicines, and even then, the majority of the medicines I need and the care I need, is at no charge. They even have special clinic that they send me to once in a while. The care is getting more advanced here. All this is through the public healthcare system, which is the one that you qualify for at no charge if you’re a legal resident.