In Chile basically you have to pay for everything except consultorios. The Isapres are paid health insurance companies. While Fonasa is free, the services given by Isapres should be better. Yet in both cases the waiting time is long, everything is crowded.
Fonasa has the hospital and consultorio services, the hospital is cheaper when you are in Fonasa, yet if you have Isapre you have to pay a lot for the hospital, and you can’t go to consultorio. Isapre is supposed to have the best service in their clinics. The clinics are the service of the Isapres. The clinics are relatively cheap (cheaper) when you are in Isapre, yet they can be very expensive if you are in Fonasa.
In consultorios you receive primary attention, there are exams, etc. Yet they aren’t any good and the waiting time is way too long. If you are in Isapre (or are in Fonasa and can pay) you can go to private attention centres.