Colombian migration has become a structural trend, over time. According to figures from the Ministry of Foreign Affairs, More than 4.7 million Colombians live outside the country, And, every year, thousands more add up to the migratory flow, motivated by economic reasons,
social and educational.
Among the countries that receive more Colombians are the United States and Spain, which concentrate more than half of this diasporaand that, in addition, they face a complex panorama: informal jobs, late legalization and limited access to health and social services.
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In the midst of this sustained phenomenon, a silent but significant tendency has emerged: remote financial protection. According to Wiloseguros, International Insurance Agency, The number of Colombians abroad has increased that acquire policies to protect their families in the country. The products more Requested are life insurance, exequials with repatriation and insurance of educational income.
This practice reveals a change in the migrant profile. Far from the assistance stereotype, Many Colombians are structuring economic support plans for their homes in Colombia. “Migration generates new forms of vulnerability. Today we see people who, without being present, assume an active role in the protection of their families”, Explains Bryan Torres CEO of Wiloseguros.
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In that sense, it is worth saying that the international context also influences, because both in the United States and in several countries in Europe migratory policies have been hardened, increasing the risk for those who live in an irregular condition.
And, to quote some examples, A hospitalization without having medical insurance in the USA can exceed one thousand dollars; while one Death repatriation can cost more than 3,000 USD. In the absence of a state system that provides coverage to these cases, many opt for private mechanisms to mitigate these impacts.
In 2023, Colombia received more than 10,000 million dollars in remittances, equivalent to 2.8% of GDP. But, beyond the currency flow, the migratory phenomenon is evidencing a transformation into family support strategies, because Insurance hiring from abroad not only relieves pressure on receiving homesbut introduces a layer of forecast and continuity that has
past unnoticed in the public debate.
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With a growing and increasingly established diaspora, the country faces a double challenge: recognize the economic role of its migrants and generate binational protection mechanisms that do not depend exclusively on individual effort. At present, 1Thousands of Colombians hold their families from the outside, not only with money shipments, but with structural decisions that seek to shield them in the face of uncertainty.
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Colombian migrants abroad tend to choose mainly travel insurance – as Assist Card, Universal Assistance, Axa, Go! Assistance, Iati, among others.
They also usually acquire health or life policies that ensure compensation or care in Colombian weights. And there are specific insurance from abroad to ensure health or life in Colombia.
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