How does healthcare work in Micronesia, and what travel insurance, health insurance or expat insurance do you need?

How does the healthcare system work in Micronesia?

The quality of healthcare in Micronesia is good, but not of the highest standards.
There are several public and private healthcare institutions, but healthcare facilities are sometimes limited and there are few specialists.
There is a chance of medical evacuation. Patients are often evacuated to Hawaii or Guam.
Healthcare is not too expensive and the staff is friendly.
Pharmacies can be found in the cities. Medicines may not be in stock. If you are dependent on certain medicines, take it with you.
In the event of an emergency, it is best to visit the nearest hospital or clinic. In serious cases, medical evacuation by helicopter or plane is almost always necessary.

The Ministry of Health and Social Affairs oversees healthcare in the country and each state offers medical services through hospitals, clinics and dispensaries.
Public healthcare is accessible to both locals and expats and care is cheap. Permanent residents enjoy high subsidies and therefore almost free care.
Each of the four states has its own hospital with general practitioners, maternity care and emergency care.
The four hospitals are Pohnpei State Hospital, Chuuk State Hospital, Kosrae State Hospital and Yap State Hospital.
Public health care is of sufficient quality for basic care, but this can vary per location.
Unfortunately, facilities are limited, there is a lack of medical staff and the public health system is dependent on care abroad for more complex cases.

Private health care in Micronesia is very limited, and many people opt for their own insurance that also covers (private) care abroad.
Genesis Hospital is the most important private health care institution.

There is no general practitioner system as some countries have. People usually go directly to the hospital or the nearest clinic.

There are several organizations active in Micronesia that offer locals free dental care.
You have to visit a clinic abroad or in your home country, for good dental care.

Female residents of Micronesia are entitled to free pregnancy care.
100% of births are attended by healthcare professionals. At the same time, maternal and infant mortality rates are higher than the average in the region. This is mainly due to the accessibility of the islands.
The best care can be found on the larger islands, but as a foreigner in Micronesia, just like for locals, your healthcare options are limited. It can therefore be risky to spend your pregnancy in Micronesia.

There is little crime in Micronesia and it is generally a safe country to live. Pickpocketing and shoplifting are common though.
Female expats are advised not to walk alone in Chuuk at night.
Tropical storms often rage over Micronesia. Keep a close eye on the weather forecast and always carry rain gear.

Mosquito-borne diseases do occur. So protect yourself well against mosquitoes!
Be aware that tuberculosis is quite common.
Tap water is safe to drink in the cities. On the smaller islands, it may be wise to drink filtered water.

Cars are the most popular and cheapest means of transport to explore the islands.
The roads are good in the cities, but in remote areas the roads are often unpaved, which can make driving a challenge.
Water taxis are another popular way to explore the islands.

Is the trip to Micronesia and your return sufficiently covered? Are you sufficiently covered before, during and after your activities? Which insurance best suits your trip and your activity? Read more about insurances for abroad on JoHoinsurances.org.

A good, international health insurance with medical evacuation coverage and coverage in neighboring countries is essential.
Make sure your insurance covers medical evacuation as well as coverage in neighboring countries. Read more about insurances for abroad on Expatinsurances.org.

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