By Carlos Ramírez The COVID-19 pandemic has demonstrated the importance of having solid and comprehensive health insurance. Now more than ever, people are seeking options that provide adequate coverage to protect them in case of any medical emergency at a moderate cost and with excellent coverage. That's why Bluebox Asesores, in partnership with the prepaid medical company Humana, is pleased to introduce its new health product. This new plan is designed to offer broad coverag

By Carlos Ramirez Did you know that health is understood as the prolongation of life and not only as the absence of diseases? In order to meet this definition of health in Ecuador, a program called ACCESS was created. This entity is in charge of the regulation and control of charges for medical care in Ecuador. They do things such as issuing operating permits for private and public medical establishments and regulate the rates of medical procedures in Ecuador. Despite the exi

By Carlos Ramirez Over the years as a broker I have seen the good and the bad in the insurance industry. The questions and problems that I have repeatedly run into have allowed me to create services that meet the needs of the market, especially those which fill the holes in the Ecuadorian private insurance sector. Many of the questions that have come up from customers over the years have a lot to do with the differences between health coverage in Ecuador and health coverage i

By Carlos Ramirez The pandemic that hit the world in 2020 forced all economic sectors to be innovative and implement new ways to sell their products. In Ecuador, micro and macro companies struggled to adjust to these new technological requirements. These companies had been handling physical forms, premiums, contracts and doing face to face sales, things that neighboring countries were already carrying out digitally. Technological development in Ecuador is not as advanced as i

By Carlos Ramirez The history of insurance goes back to the first civilizations in history. Man understood that hunting, gathering, and making tools would be more effective efforts if they were done in groups. Noticing that the system worked well, they continued to collaborate in groups that consisted of a wife, children, and head of household. This ancient Babylonian tradition was also replicated in other areas of the Roman and Greek civilizations between 3000 BC and 4000 BC

By Carlos Ramirez In Ecuador, family insurance is available for both heterosexual and same-sex couples/families. I felt this was important to note since not all countries recognize the marriage of same-sex couples and this recognition was only recently made in Ecuador in 2019. Currently same-sex marriages are totally legal in our country and are protected by law. If you are thinking about starting or adding to your family we recommend that you get a health insurance plan as s

By Carlos Ramirez English/Spanish Ecuador, in addition to being known for its magical tourist destinations, gastronomy, and unique flora and fauna, is also known for being within the Pacific Ring of Fire. This means that seismic activity is something to consider before striking ground and building a house in Ecuador. Additionally, you should consider who you will hire for the execution of your work and what guarantees this builder offers you. The quality of work and type of c

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

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 knee pain. His doctor had suggested immediate surgery on both of his knees at a price of $9,000, which immediately alarmed me. I contacted one of our other client’s doctors and got an appointment set for the next day. The other doctor concluded that physical therapy and medication would solve the issue, and for less than $2,000, without a painf

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

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

The IESS was created on July 2, 1970 during the dictatorial regime of Dr. José María Velasco Ibarra. He transformed the National Social Security Fund into what is now the Ecuadorian Social Security Institute (IESS), whose mission and obligation is to provide protection and social assistance to the Ecuadorian worker. Years after its founding, the policies gradually changed to give way to volunteer members, police, and military that now make up the IESS system, with the same mi

As a foreigner in Ecuador, there are a few things you should take into account before choosing your health insurance. It is important that you consider your pre-existing conditions, monthly payments, the amount of the annual deductible, the benefits that your health insurance offers you, and the importance of having a broker in Ecuador. The first thing you should consider before choosing health insurance in Ecuador is your pre-existing medical conditions. We recommend making