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* |
| 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.
BMI SMILE Dental Plan (BMI Network)
We can recommend a great English speaking orthodontist!
| Preventive Care | • Consultation with specialists in endodontics, implantology, orthodontics, periodontics or oral rehabilitation clinical and diagnostic examination. Prophylaxis, X-rays, periapicals : 100% |
|---|---|
| Complex cavities resin, in compound or simple cavities | • 70% |
| Periodontia | • 70% |
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)
- Dialysis
- 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 $45 to $90* depending on the chosen deductible.
*Pricing is using an example estimate for a 65 year old male. Contact us for your free estimate.
Other benefits
| Additional discounts on persribed medication | 10% off at qualifying farmacies. |
|---|---|
| ICU coverage | 100% with no deductible. |