This is the part 3 of this 3 part series on Healthcare in Ecuador…
Continued…Yes, all the companies mentioned above will cover you for life if you get in before the age of 60, but if you are already over the age of 60, you only have one good option in Ecuador.
Cruz Blanca is a very popular and reputable Ecuadorian health care provider and insurer, with their own clinics in Quito and Guayaquil. If you are not located in those cities, you could still get coverage with them, get treatment in local clinics and then send for a reimbursement within 30 days of incident.
With Cruz Blanca there are no deductibles, only a $2 administrative fee for each session of treatment you require.
There are no age limits. And 100% of medication fees are covered (if they are generic meds).
As with all the plans in Ecuador, medical treatments in your own home are also available and costs of ambulance are covered 100%.
For people 65 and up, you will need a light medical exam for admission (basically a cancer and blood test). The cost of this exam with them is $100.
There are NO maximum limits of coverage with Cruz Blanca, and monthly premiums start for males and females in their 50s at $37.19 per month.
For someone over the age of 65, the monthly health insurance premiums are $120 (with no maximum limits of coverage). But if you can get someone to sign up with you that is under the age of 44, you would only pay $87.44 a month. The return amount that comes as life settlement might vary.
But Cruz Blanca does not work with Insurance brokers, so for a brokers help, you would probably have to pay additionally for their services.
Or you could always hire an in-house maid, which in Ecuador starts around $300 a month.
Remember in Ecuador to always keep your ORIGINAL documents in order to receive a refund, otherwise you could have issues. And always remember to ask for the reimbursement within 30 days of the incident, in Ecuador the policies are very rigid regarding these things.
For more case specific information, or to buy coverage in Ecuador, try Katty Mejer, a bilingual health insurance broker in Ecuador at (cell) 099822232 or write her at kmasesores at hotmail.com (tell her Domenick sent you).
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