This tool's cost estimators + insurance-navigation language are US-shaped (private insurance + deductibles + HMO/PPO + ACA marketplace). Healthcare in Canada + Philippines works completely differently — the universal pieces (medication tracking, appointment logistics, accessibility, family-care patterns) work for everyone.
🇨🇦 Canada — Universal public healthcare via provincial plans (OHIP / MSP / RAMQ / AHCIP). No deductibles, no co-pays for covered services. Prescriptions + dental + vision typically not covered (private supplemental insurance via employer or marketplace). Provincial differences matter; ask Prime: "what does OHIP cover?" or "how does BC MSP work?"
🇵🇭 Philippines — Mixed system: PhilHealth (national health insurance) covers some hospitalization + procedures with co-pays + max-benefit caps. Most Filipinos supplement with HMOs (employer-provided or paid-out-of-pocket) + private insurance for full coverage. Private hospitals (St. Luke's, Makati Med, Asian Hospital) vs public hospitals (PGH) — significant quality + cost differences. Ask Prime about specific procedures + estimated costs.
🇬🇧 United Kingdom — NHS (universal public, free at point of use for residents). GP first, specialist by referral. Prescriptions £9.90/item in England (free in Scotland / Wales / NI). Dental + optical limited NHS coverage. Pre-Payment Certificates if you take regular meds. Private alongside (BUPA / AXA / Vitality / Aviva) for faster access. Ask Prime: "How do NHS specialist referrals work?"
🇦🇺 Australia — Medicare (universal public, 2% Medicare Levy + Surcharge for high earners without private). Bulk-billing GP common = no out-of-pocket. PBS subsidizes prescriptions (~A$30 general / A$7.30 concession). Private parallel for elective + dental + optical (Medibank / Bupa / HCF / NIB / AHM). Lifetime Health Cover loading kicks in if you take private after age 31. Better Access Initiative covers 10 Medicare-rebated psychology sessions/yr. Ask Prime: "PBS prescription subsidy explained" or "Medicare Levy Surcharge thresholds?"
🇮🇳 India — Dual track. Public: Ayushman Bharat / PMJAY (₹5L/family/year for ~50cr beneficiaries) + state schemes (Yeshasvini / Aarogyasri / CMCHIS / Swasthya Sathi / MJPJAY) + CGHS / ECHS / ESIS for specific cohorts. Private mediclaim: Star Health / HDFC Ergo / Niva Bupa / Care / Tata AIG / ICICI Lombard etc. Watch sub-limits (room rent caps, PED waiting period 2-4 yrs, OPD usually excluded). 80D deduction up to ₹25K (self) + ₹50K (parents senior). Hospital chains (Apollo / Fortis / Manipal / Max / AIIMS). Telehealth via eSanjeevani / Practo / 1mg / PharmEasy. Emergency: 108 / 102 / 112. Ask Prime: "Mediclaim sub-limits to watch" or "ECHS for veterans".
🇲🇽 Mexico — Fragmented across IMSS (formal-sector workers + dependents) / ISSSTE (federal employees) / IMSS-Bienestar (formerly INSABI / Seguro Popular for uninsured) / Pemex / military parallel systems. Self-employed can join IMSS via Modalidad 40/44 voluntary contribution. Private mediclaim ("gastos médicos mayores"): GNP / AXA / MAPFRE / Seguros Monterrey / Inbursa / AIG. Hospital chains (Hospital Ángeles / ABC / Médica Sur / Christus Muguerza / Star Médica). Pharmacy ecosystem includes consultorios adjuntos a farmacias (pharmacy-attached doctor visits, ~50-200 MXN — affordable primary care channel). Mental health: Línea de la Vida 800-911-2000, SAPTEL UNAM 55-5259-8121. Emergency: 911 / Cruz Roja. Ask Prime: "IMSS Modalidad 40 for self-employed" or "Mexican private insurance pre-existing exclusions".
🇧🇷 Brazil — Constitutional universal SUS (Sistema Único de Saúde) — 100% population coverage, free at point of use, primary UBS / urgent UPA / hospital / Farmácia Popular subsidized pharmacy / PNI vaccines / HIV-AIDS treatment world-leading. Layered with private plano de saúde (~25% supplementary, ANS-regulated): Bradesco Saúde / Amil / SulAmérica / Hapvida / Notre Dame Intermédica / Unimed / Porto Saúde. Major private hospital networks (Albert Einstein / Sírio-Libanês / Hospital Israelita / Oswaldo Cruz in SP, Copa D'Or / Vitória / Quinta D'Or in RJ). Watch carências (waiting periods — 24h emergency / 30d outpatient / 180d inpatient / 300d maternity / 24mo pre-existing). Mental health: CVV 188 (24/7 suicide prevention), CAPS network via SUS. Emergency: 192 SAMU (medical), 193 Bombeiros, 190 Polícia. Ask Prime: "SUS vs plano de saúde tradeoffs" or "ANS carência rules".
🇳🇱 Netherlands — Mandatory private system: every resident MUST hold basisverzekering by law (within 4 months of arrival). Government-set scope identical across insurers; differences are premium + service. Eigen risico €385/yr compulsory deductible (NOT US-style "deductible" — first €385 of insured care). Naturapolis (in-network) vs restitutiepolis (free choice, more expensive). Major insurers: Zilveren Kruis (Achmea) / VGZ / CZ / Menzis / DSW / Salland / Z&Z / De Friesland / OHRA. Aanvullende verzekering supplementary for adult dental / optical / extensive physiotherapy. Zorgtoeslag subsidy for low-income. Huisarts (GP) is gatekeeper — specialist visit requires referral. Wlz for long-term/nursing care, Wmo for municipal social support, PGB personal-care budget. Mental health: 113 Zelfmoordpreventie (24/7 suicide prevention), GGZ specialist network. Kraamzorg 8-day postnatal home care (iconic Dutch). Donor-default since 2020. Euthanasia legal since 2002 under strict due-care criteria. Emergency: 112 (universal). Ask Prime: "naturapolis vs restitutiepolis tradeoffs" or "open-enrollment switching window".
🇮🇩 Indonesia — BPJS Kesehatan / JKN mandatory national health insurance (~95% population coverage), 3 classes I/II/III with KRIS reform pending, Faskes 1 (Puskesmas / klinik / dokter umum) gatekeeper → specialist by referral. Premiums Rp 35K-150K/month/person depending on class. Layered with private hospitals (Siloam / Mayapada / Medistra / RS Pondok Indah / Mitra Keluarga / Mandaya / Awal Bros / Hermina) + private mediclaim (AXA Mandiri / Allianz / AIA / Prudential / Manulife / Sun Life / Sequis / Cigna / Tokio Marine). Coordination of benefits common: BPJS primary + private secondary. Pharmacy chains: Kimia Farma (state-owned BPJS partner) / K-24 / Guardian / Watsons / Century. Mental health significantly underfunded (improving) — Halo Kemenkes 1500-567, RSJ provincial psych hospitals, Riliv / Bicarakan.id / KALM / Halodoc Mental Health digital platforms. Telehealth dominant: Halodoc / Alodokter / KlikDokter / SehatQ. Emergency: 119 (medical), 112 (multi-emergency), PMI Red Cross. Ask Prime: "BPJS class change" or "Faskes 1 referral process".
🇩🇪 Germany — Dual-track mandatory: every resident MUST have GKV (Gesetzliche Krankenversicherung) statutory ~88% (~95+ Krankenkassen — AOK / Barmer / Techniker Krankenkasse TK / DAK-Gesundheit / IKK Classic / Knappschaft / BKK group, government-set scope identical, ~14.6% premium + 1-2.5% Zusatzbeitrag) OR PKV (Private Krankenversicherung) ~10-12% (Debeka / AXA / Allianz Private / DKV / Signal Iduna / Continentale / HanseMerkur — for high-income employees / Beamte civil servants / self-employed). Familienversicherung spouse + children under 25 free under primary earner. Pflegeversicherung mandatory long-term-care. Hausarzt (GP) gatekeeper — specialist by referral. Hospital network (public + private Helios / Asklepios / Sana / Rhön-Klinikum + Caritas / Diakonie church-affiliated + Charité Berlin / LMU München / Heidelberg university). Mental health: GKV covers psychotherapy but wait times months long — DiGA federally-approved digital health apps (HelloBetter / Selfapy / Minddoc) increasingly GKV-reimbursed; private pay ~€80-150/session for faster access. Telefonseelsorge 0800 111 0 111 24/7 crisis. Emergency: 112 (universal European), 116 117 non-emergency physician on-call. €10/day hospital co-pay (max 28 days/yr). Ask Prime: "GKV vs PKV decision" or "DiGA prescription for therapy waitlist".
Country-specific cost estimators + insurance-navigation tooling on the roadmap. Meanwhile: medication tracking, appointment logistics, family-care coordination all work identically. Prime can answer questions about any of these systems grounded in country context.