Seguros de gastos médicos asociados al turismo médico en México: los sistemas de salud y la apertura comercial

Julieta Guzmán Flores

doi:10.32870/cer.v0i122.7122

Julieta Guzmán Flores Universidad de Guadalajara https://orcid.org/0000-0003-2463-7420

DOI: https://doi.org/10.32870/cer.v0i122.7122

Palabras clave: seguros de gastos médicos privados, turismo médico, TLCAN, Acuerdo General sobre el Comercio de Servicios (AGCS).

Resumen

Una parte de la población de origen mexicano que vive o trabaja en Estados Unidos ha sido benefciada con el pago de los costos de los servicios médicos obtenidos en México a través de terceros pagadores. Algunos acuerdos regulatorios entre ambos países han hecho posible que el mercado de seguros médicos privados internacionales ofrezca opciones de reembolso, y que en el caso de los esquemas transfronterizos se obtengan primas de seguros, deducibles y copagos más baratos. El objetivo de este artículo es explorar y discutir las circunstancias de los sistemas de salud y de apertura comercial que posibilitan el turismo médico entre México y Estados Unidos, que involucra a las compañías aseguradoras y a los gobiernos. Como metodología, se utiliza la revisión narrativa de la literatura con la fnalidad de sintetizar las principales áreas de debate identifcadas en textos recuperados mediante búsquedas en bases de datos. Los resultados muestran el panorama del sistema de salud del mercado estadounidense, que permite la existencia de planes de seguros médicos internacionales vinculados al turismo médico y el funcionamiento de planes de salud transfronterizos en México. Las conclusiones versan sobre el aparente control unilateral de Estados Unidos, las limitaciones y las altas posibilidades de expansión del mercado de seguros de gastos médicos privados internacionales y transfronterizos.

Biografía del autor/a

Julieta Guzmán Flores, Universidad de Guadalajara

Profesora investigadora del Departamento de Estudios Regionales-INESER. Ha participado diversos proyectos de investigación en temas como: desarrollo económico local, capacidades institucionales de los gobiernos municipales y microfinanzas. Actualmente su trabajo de investigación se enfoca en temas relacionados con Economía y Política de la Salud. En particular, explora el campo del turismo médico, con respecto a la competitividad de los clústeres en México, sus modelos de negocio, el papel de los seguros médicos internacionales y el entrenamiento nacional e internacional de los médicos mexicanos.

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