This is the part 3 of this 3 part series on Healthcare in Ecuador…
For part 1 click here. For part 2 click here.
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. Musician Steven Adler said, “You can have all the riches and success in the world, but if you don’t have your health, you have nothing.” It’s always important to take care of oneself using all the principles of good health. Regular check-ups, proper nutrition and healthful living all enable one to keep on top of their health in a careful yet reasonable way. Often one becomes overly concerned with health issues and caught up in a cycle of health worries. One health issue is reconciled when another immediately pops up to take its place. These worries become all encompassing and exhausting after a while. It is difficult to treat brain cancer. Firstly, because imaging results are often imprecise it is hard to properly assess the spread of the tumour. Second, conventional treatment is by gaining access through the skull and removing as much of the tumour as can be done safely. As you might expect it is difficult for the surgeon to be sure that all the cancerous tissue has been removed so surgery is followed by radiation or chemotherapy in an effort to kill any cancer cells left in surrounding tissue. A healthy lifestyle has the potential to prevent around a third of all dementia. Even people in the early stages of the disease can still make a difference if they make changes beneficial to the health of their brain. Although it is not by any means conclusive, medical science and research have proved that a healthy lifestyle makes a difference to the health of our brain. You can learn more about A Mind For All Seasons.
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), that’s why there is a need of Compare Life Insurance as requirement of any individual varies. 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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2 thoughts on “Healthcare Options in Ecuador. Part 3 of 3”
Since my wife and I are both over 60 your information is very helpful. What additional benefit would paying for an insurance broker provide; and would you be able to recommend a broker in Cuenca?
Hey Bob, Well I only know and can recommend one broker… Kathy Mejer, in Quito, I dont have any affiliation with her, just an honest recommendation…see the end of the 3rd article for her details, saludos, Dom
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