SSN Enables Healthcare Insurance in Kind

Resolution 258/2026, issued by the Argentine Superintendence of Insurance (SSN) on June 19, 2026, repealed the prohibition on insurance companies commercializing healthcare insurance products that provide benefits in kind. The Resolution establishes a specific regulatory framework for this type of healthcare insurance under the in-kind modality. This prohibition was set forth in the General Insurance Activity Regulations (RGAA), which expressly prohibited the commercialization of healthcare coverage whose benefits consisted of healthcare services provided directly by entities subject to the supervision of the Superintendence of Health Services or by other healthcare providers.

The SSN justified the measure on the grounds that it would expand the range of healthcare coverage available to the public, encourage the development of new insurance products, and promote greater participation of the insurance market in the healthcare sector. The amendment was also framed within the broader regulatory simplification and review process the agency currently pursues.

In addition to eliminating the prohibition, the Resolution introduced a specific regulatory framework for healthcare insurance products that provide benefits in kind. It specifically established that insurers must guarantee continuity of care for insureds who are undergoing medical treatment or have a confirmed diagnosis. It also provides that the modification, replacement, or removal of providers from a healthcare network may not affect the geographical scope of coverage under existing policies or hinder effective access to covered services.

The Resolution further requires insurers to take the necessary measures to ensure continuity of services through providers with similar characteristics and to bear any additional costs arising from changes to the healthcare network. The purpose of these requirements is to ensure the continuity of ongoing treatments throughout the term of the policy.

The Resolution also preserves the possibility of excluding pre-existing conditions under both individual and group policies, considering the specific characteristics of this type of coverage.

Although the Resolution removes a longstanding restriction and authorizes the commercialization of healthcare insurance products that provide benefits in kind, its practical implementation raises certain regulatory questions. Therefore, it should be followed closely.

The Resolution entered into force on June 22, 2026.