Mexican employment contracts: Must include dates, pay, hours, duties. Workers under supervision = employees regardless of contract. Cannot waive statutory rights.
Mexican employers must provide: IMSS healthcare, INFONAVIT, pension, aguinaldo (15+ days Dec salary), vacation—all from day one. Cost: ~30% above salary.
Mexican hospitals require upfront payment—expect $5,000-20,000+ credit card holds. Pay first, reimburse later. Medical evacuation costs $10,000+.
Mexico expat emergency prep: Create info document (meds, contacts, address), use INSABI free healthcare, avoid calling ambulance for natural death (causes delays).
Mexico private health insurance: $1-5K USD/year. Enroll before 65 while healthy—guaranteed renewable for life. COVID, evacuation, dependents covered.
IMSS: ~21,500 pesos/year ($1,200). Graduated coverage: minimal Year 1, full Year 3+. Temp/Perm residents eligible. Employed auto-enrolled; self-employed voluntary.
INSABI: Free healthcare for anyone with a CURP in Mexico. No fees, no age limits, no pre-existing exclusions. Covers ER, labs, hospitalization, surgery.
Cancun is safe for most tourists who stay in the Hotel Zone, avoid drugs, and arrange proper transportation. Here's a local expat's safety guide.
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