How does the medical payments coverage work in car insurance in Mexico?

Cobertura de gastos médicos para ocupantes en seguros de auto

The "Gastos Médicos Ocupantes" (Medical Payments) coverage in car insurance in Mexico pays for the medical expenses of people traveling in your vehicle in the event of an accident, regardless of who is at fault.

What does it cover?

1. Medical care: Hospitalization, consultations, medications, and physiotherapy.

2. Prosthetics: Dental or orthopedic, if necessary.

3. Funeral services: In case of death.

4. Ambulances: Emergency medical transportation.

Example:

If you have an accident and your co-driver is injured, the insurance covers the medical expenses for their care, such as X-rays, hospitalization, and medications.

Key points:

• Does not apply if the injuries are not directly related to the accident.

• Does not cover cosmetic or psychological treatments.

Additional recommendation:

Make sure this coverage has a sufficient limit to cover expenses in private hospitals.

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