
Easily manage employment in Argentina
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- Overview
Health Benefits
In Argentina, it is mandatory for employers to provide health insurance to their employees. Private health insurance—locally known as “Prepagas”—plays a vital role in ensuring comprehensive care. The expense of a group insurance plan is shared between employees and employers via social contributions (3% from employees and 6% from employers), and these costs are typically processed automatically during payroll. Any additional expenses beyond the standard contributions will be billed separately. Employees in Argentina now have three distinct plan options available—BASIC, STANDARD, and PREMIUM—each tailored to meet different healthcare needs and budgets. Plan costs may vary by 2–5% monthly due to inflation and regulatory changes, and the final cost depends on whether plan expenses exceed contributions in Remote’s shared contribution pool. Employees can select the plan that best fits their needs during onboarding. If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here!-
Basic
In-Patient Benefits (Diagnostics & Hospitalization)
- Ambulatory Treatment
- OSDE: Covers lab tests, X‑rays, and non‑invasive procedures up to $25,000
- Swiss Medical: Covers diagnostic tests, labs, and imaging up to $38,124
- MRI/CT Scans
- Included within the diagnostics cap (above)
- Surgical Fees
- OSDE: Covers all inpatient surgeries up to $50,000 per year
- Swiss Medical: Covers surgical procedures up to $64,814 per year.
- Hospital Accommodations
- Individual rooms for all hospitalizations.
- Intensive Care
- OSDE: ICU/CCU care up to $5,000/day
- Swiss Medical: ICU/CCU care up to $36,422/day
- No limit on in‑network services
Out-Patient Benefits (Consultations & More)
- Consultation & Home Visits
- OSDE:
- Consultation: Up to ARS 45,500 per year
- Home Visits: Up to ARS 4,780 per year
- Swiss Medical:
- Consultation: Up to ARS 18,422 per year
- Home Visits: Up to ARS 1,775 per year
- Specialist & General Visits
- OSDE: Covers visits up to ARS 15,000 per year
- Swiss Medical: Covers visits up to ARS 18,422 per year
- No limit on in‑network services
Maternity Benefits
- OSDE: Basic coverage for standard delivery, up to $25,000
- Swiss Medical: Comprehensive maternity package up to $133,322
Mental Health Benefits
- OSDE:
- Up to 20 individual sessions per year
- Psychiatric hospitalization: Up to 30 days
- Swiss Medical:
- Up to 30 individual sessions annually
- Psychiatric hospitalization: Up to 30 days
Medicines
- OSDE:
- Outpatient Discount: 40% discount at pharmacies
- Inpatient Coverage: 80% of medications covered
- Swiss Medical:
- 40% discount at partnered pharmacies
- Inpatient medications covered up to $34,360
Dental Benefits
- OSDE:
- 100% coverage (contracted providers) for:
- Consultations, Check‑in, Cleaning, Halogen light, Dental surgery, Endodontics, Oral radiology, Oral surgery, Pediatric Dentistry
- Implants: Not covered
- Dental Whitening: Not covered
- Swiss Medical:
- Basic preventive care under a specific program
- Implants: Includes some orthodontics under plan ODO 260
- Dental Whitening: Not covered
Vision Benefits
- OSDE:
- Refractive Surgery: 100% coverage after medical advice (contracted providers)
- Optics: 1 pair of glasses or contact lenses every 2 years (contracted opticians)
- Swiss Medical:
- Refractive Surgery: Covered in specific cases
- Optics: One pair of standard eyeglasses or contact lenses per year (with prescription change)
International Coverage
- OSDE: Emergency coverage in neighboring countries (Brazil, Uruguay, Chile, Bolivia, and Paraguay) for emergencies only
- Swiss Medical: Emergency coverage up to USD 15,000
-
Standard
In-Patient Benefits (Diagnostics & Hospitalization)
- Ambulatory Treatment
- OSDE: Enhanced diagnostic services up to $40,000
- Swiss Medical: Covers diagnostics and imaging up to $71,149
- MRI/CT Scans
- Included within the above diagnostics cap
- Surgical Fees
- OSDE: Inpatient surgeries up to $75,000 per year
- Swiss Medical: Surgical procedures up to $87,637 per year
- Hospital Accommodations
- OSDE: Individual rooms for enhanced comfort
- Swiss Medical: Individual rooms with premium setups
- Intensive Care
- OSDE: ICU/CCU up to $7,500/day
- Swiss Medical: ICU/CCU up to $24,497/day
- No limit on in‑network services
Out-Patient Benefits (Consultations & More)
- Consultation & Home Visits
- OSDE:
- Consultation: Up to ARS 50,750 per year
- Home Visits: Up to ARS 14,222 per year
- Swiss Medical:
- Consultation: Up to ARS 77,794 per year
- Home Visits: Up to ARS 4,989 per year
- Specialist & General Visits
- OSDE: Covers visits up to ARS 20,000 per year
- Swiss Medical: Covers visits up to ARS 37,794 per year
- No limit on in‑network services
Maternity Benefits
- OSDE: Enhanced maternity coverage (including C-sections) up to $35,000
- Swiss Medical: Delivery services (including high‑risk pregnancies) up to $147,571
Mental Health Benefits
- OSDE:
- Up to 25 individual sessions per year
- Psychiatric hospitalization with additional facility options
- Swiss Medical:
- 30 individual sessions (includes family therapy)
- Psychiatric hospitalization covers severe cases with comprehensive facility access
Medicines
- OSDE:
- Outpatient Discount: 50% discount on eligible medications
- Inpatient Coverage: 90% of medications covered
- Swiss Medical:
- 40% discount at partnered pharmacies
- Inpatient medications covered up to $21,770
Dental Benefits
- OSDE:
- 100% coverage (contracted providers) for:
- Consultations, Check‑in, Cleaning, Halogen light, Dental surgery, Endodontics, Oral radiology, Oral surgery, Pediatric Dentistry
- Implants: Not covered
- Dental Whitening: Not covered
- Swiss Medical:
- Similar preventive programs with orthodontics (ODO 262)
- Implants: Not covered
- Dental Whitening: Not covered
Vision Benefits
- OSDE:
- Refractive Surgery: 100% coverage after medical advice (contracted providers)
- Optics: 1 pair of glasses or contact lenses every 2 years (contracted opticians)
- Swiss Medical:
- Refractive Surgery: Covered under specific cases
- Optics: One pair of standard eyeglasses or contact lenses per year (with prescription change)
International Coverage
- OSDE: Emergency coverage in neighboring countries (Brazil, Uruguay, Chile, Bolivia, and Paraguay) for emergencies only
- Swiss Medical: Emergency coverage up to USD 15,000
-
Premium
In-Patient Benefits (Diagnostics & Hospitalization)
- Ambulatory Treatment
- OSDE: Premium diagnostics (specialized procedures) up to $50,000
- Swiss Medical: Enhanced diagnostics, including nuclear MRI and CT, up to $145,605
- MRI/CT Scans
- Included within the above diagnostics cap
- Surgical Fees
- OSDE: Advanced surgical care up to $100,000 per year
- Swiss Medical: Covers surgical procedures up to $184,104 per year
- Hospital Accommodations
- OSDE: Individual rooms with additional amenities
- Swiss Medical: Individual rooms with premium setups
- Intensive Care
- OSDE: ICU/CCU up to $10,000/day
- Swiss Medical: ICU/CCU up to $60,784/day
- No limit on in‑network services.
Out-Patient Benefits (Consultations & More)
- Consultation & Home Visits
- OSDE:
- Consultation: Up to ARS 78,750 per year
- Home Visits: Up to ARS 19,531 per year
- Swiss Medical:
- Consultation: Up to ARS 120,302 per year
- Home Visits: Up to ARS 7,815 per year
- Specialist & General Visits
- OSDE: Covers visits up to ARS 25,000 per year
- Swiss Medical: Covers visits up to ARS 41,407 per year
- No limit on in‑network services.
Maternity Benefits
- OSDE: Comprehensive maternity services (including neonatal care) up to $50,000
- Swiss Medical: Full maternity coverage with premium services up to $358,553
Mental Health Benefits
- OSDE:
- Up to 30 individual sessions per year
- Psychiatric hospitalization up to 30 days with premium facilities
- Swiss Medical:
- 30 individual therapy sessions per year
- Inpatient care for acute psychiatric cases up to 30 days
Medicines
- OSDE:
- Outpatient Discount: 60% discount for a broader list of medications
- Inpatient Coverage: 100% of medications
- Swiss Medical:
- 40% discount at partnered pharmacies
- Inpatient medications covered up to $52,562
Dental Benefits
- OSDE:
- 100% coverage (contracted providers) for:
- Consultations, Check‑in, Cleaning, Halogen light, Dental surgery, Endodontics, Oral radiology, Oral surgery, Pediatric Dentistry
- Implants: Covered
- Dental Whitening: One per year
- Swiss Medical:
- Basic care with orthodontics options
- Implants: Covered
- Dental Whitening: Not covered
Vision Benefits
- OSDE:
- Refractive Surgery: 100% coverage after medical advice (contracted providers)
- Optics: 1 pair of glasses or contact lenses every 2 years (contracted opticians)
- Swiss Medical:
- Refractive Surgery: Covered under specific cases
- Optics: One pair of standard eyeglasses or contact lenses per year (with prescription change)
International Coverage
- OSDE: Emergency coverage in neighboring countries (Brazil, Uruguay, Chile, Bolivia, and Paraguay) for emergencies only
- Swiss Medical: Emergency coverage up to USD 15,000