Fast enrolment
100% digital insurance
Free 24/7 telemedicine
With its breathtaking landscapes, rich culture, and affordable cost of living, Ecuador attracts many expats seeking adventure or a peaceful retirement. However, proper preparation is essential to fully enjoy your stay. Health insurance is a top priority to ensure appropriate care in case of emergencies.
Ecuador’s healthcare system consists of public and private sectors, with notable differences between urban and rural areas. The Ministry of Public Health provides basic services that are free or low-cost in public hospitals, though these facilities are often overcrowded and sometimes lack specialized care resources. Additionally, the Ecuadorian Social Security System (IESS) covers certain workers and their families, but access is limited and quality can vary. For this reason, many expats turn to the private sector, which offers high-quality healthcare services but at a higher cost.
When selecting health insurance as an expat, there are two main options: local insurance or international coverage. Local insurance plans can be appealing due to their often lower rates. However, they may sometimes have restrictions on treatment abroad or for specific care needs.
International insurance plans, such as those from APRIL International, are designed to meet the global needs of expats. They ensure access to quality care in Ecuador and worldwide, an essential point for frequent travelers.
Good to know: some international plans also cover repatriation and specialist consultations, a valuable feature for those with specific health needs.
Ecuador has several high-quality private hospitals, especially in major cities like Quito and Guayaquil. These private hospitals often have modern equipment and staff trained to international standards. In Quito, for example, Hospital Metropolitano is renowned for its specialized care and quality services. However, for an emergency or routine examination, it’s wise to check service levels, as care can vary depending on the facilities and teams available.
Good to know: Public emergency services may sometimes be slow in certain remote areas. It’s advisable to research local private clinics that offer faster emergency services.
It only takes a few steps to join and start benefitting from your cover by tomorrow!
1. I look for the cover that suits my situation and choose my options.
2. I request a quote online and sign it electronically.
3. I download the Easy Claim app and take advantage of all my online services.
4. I can get a call back or chat at any time with an adviser.
