Major Medical Health Insurance

National coverage for major and chronic medical events.

Second Medical Opinion

Take confort knowing that you can ask for a second medical opinion when it matters the most.

The Superintendence of Companies of Ecuador

BMI is approved as one of the prepaid healthcare providers for foreign residents.

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)
  • 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. 

Schedule an appointment with us for more information about Major Medical Health Insurance

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