INSURANCES COLUMN

The History of the Insurance Industry

By Carlos Ramirez The history of insurance goes back to the first civilizations in history. Man understood that hunting, gathering, and...

Familial Health Insurance, When and Why?

By Carlos Ramirez In Ecuador, family insurance is available for both heterosexual and same-sex couples/families. I felt this was...

Construction Insurance: An Intangible Life-Saver

By Carlos Ramirez English/Spanish Ecuador, in addition to being known for its magical tourist destinations, gastronomy, and unique flora...

Why Should You Opt for a Supplementary Medical Plan in Ecuador? Benefits and Options in Ecuador

By Carlos Ramirez Both private and public health insurance in Ecuador can be easily combined with low-cost supplemental health plans...

The Importance of Getting a Second Doctor’s Opinion in Ecuador

By Carlos Ramirez A few months ago I received a call in the middle of the night from one of our clients who was suffering from severe...

HOW TO REIMBURSE MEDICAL EXPENSES FROM A PRIVATE HEALTHCARE PLAN IN ECUADOR

By Carlos Ramirez Reimbursing medical insurance in Ecuador involves different processes than the ones probably used in your country of...

An Overview of the Prepaid Medicine Law in Ecuador and How to Use it in Your Favor

Prepaid medicine insurance in Ecuador consists of different processes than ones you may be used to. This is because the reimbursement...

IESS: HISTORY, AFFILIATION AND DECLINE, THE INSURANCE OF ECUADORIAN WORKERS.

The IESS was created on July 2, 1970 during the dictatorial regime of Dr. José María Velasco Ibarra. He transformed the National Social...

WHAT SHOULD I CONSIDER BEFORE BUYING PRIVATE HEALTH INSURANCE IN ECUADOR?

As a foreigner in Ecuador, there are a few things you should take into account before choosing your health insurance. It is important...