MCS Life Insurance Company knows how much you care about maintaining an active and healthy lifestyle so you can take care of your personal, family and professional needs. This year, we are offering a number of products focused on complete physical, mental and emotional health, as we promote the perfect balance with access to an extensive network of healthcare professionals. MCS Personal plans meet all your needs and expectations, and are ideal for university students, single individuals, families, single parents, and anyone about to graduate or become independent, and wishes to have good health coverage, among others.


At the Forefront

MCS Personal now offers quote and buy online our plans that help you care for your health and that your loved ones by satisfying your most demanding needs. We are at the Forefront on the development of Wellness Programs like:

Find here your ideal plan and learn more about our plans additional benefits as part of the basic coverage:

Our Service Centers , are conveniently located throughout the island, providing excellence in rapid and personalized service.

Essential Health Benefits

All our plans comply with Puerto Rico Health Insurance laws and regulations, including, but not limited to Essential Health Benefits (EHB).

  • Emergency Services

  • Hospitalization

  • Outpatient Surgical and Medical Services Maternity and Newborn Care

  • Mental Health and Substance Abuse

  • Prescription Drugs

  • Habilitation, Rehabilitation and Medical Equipment Services

  • Laboratories, X-rays and Diagnostic Tests

  • Preventive and Wellness Services, as well as Chronic Disease Management

  • Pediatric Dental and Vision Services

Elegibility & Resgistration

Individuals can subscribe to individual medical plans available in the individual market during the period established by the Puerto Rico Health Insurance Code and applicable regulations issued by the Insurance Commissioner’s Office (ICO) from November 16 to December 31. To be eligible for an individual medical plan, the applicant and dependents must be residents of Puerto Rico.

The insurance will become effective once MCS Life has received and approved the application, subject to the first month’s premium payment, according to and in compliance with the Puerto Rico Health Insurance Code and applicable regulations issued by ICO.

For plans enrolled in outside the annual enrollment period or outside the special enrollment period, or that are not the result of a qualifying event, these policies will have a waiting period of ninety (90) calendar days from the policy’s effective date, except in emergency cases, as provided by law.



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