Major Medical Health Insurance
National coverage for major and chronic medical events.
Second Medical Opinion
The Superintendence of Companies of Ecuador
High deductibles, low premiums, 100% coverage.
This plan is ideal if you are reasonably healthy and would only need the assistance of insurance in the case of a major medical event.
General Health Insurance Plan Information
|Maximum coverage per person, per policy year||• $500,000 USD per event|
|Eligibility to apply||• No age limit
• Any person living in or planning to live in Ecuador.
|Coverage within Ecuador||• 100% with free choice of hospitals and doctors* (or within network in Colombia)|
|Coverage outside of Ecuador and Colombia||• Travel insurance is included for medical urgencies and accidents and will cover 100% up to $500,000 after the deductible has been met|
|Deductibles||•The chosen deductible applies per year|
*Open network of doctors and hospitals aplies only within Ecuador.
We offer 100% coverage in the following medical areas:
- In-patient benefits
- Out-patient benefits
- Organ transplant
- Prescription medication
- Reconstructive surgery in case of illness or accident
- Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans, endoscopy, cystoscopy, stress test and ultrasound)
- Cancer tests, medication and treatment (chemotherapy and radiotherapy)
- Prostheses and medical appliances implanted during surgery
- Second Medical Opinion around the world
*All benefits are covered up to the policy limit.
Is this plan suitable for you?
This plan covers 100% of all your medical bills from the diagnosis to the treatment; from prescription medication to prostheses; from radiation to chemotherapy.
Deductibles range from $5,000 – $20,000. These deductibles that are significantly higher then our Day to Day Insurance Plan enable the monthly premiums to be significanly lower ranging from $82 to $168 per couple* depending on the chosen deductible.
*Pricing is using an example estimate for a couple where the male is 65 YOA and the female is 63 YOA. Pricing is for the couple, not each person.
|Additional discounts on persribed medication||10% off at qualifying farmacies.|
|ICU coverage||100% with no deductible.|