Dear readers,
I know how important is get covered by some Health Care Company. In my previous post I talked about IESS; now GringoTree also has something to say about it. I will love help whoever need information, just ask please.
Health Care in Ecuador.
Facebook: GoodLifeInEcuador.
Dear readers,
Long time since I post anything. So many things happening.
Im about ‘to start building at the Ecuadorian Beach. I found a place with awesome view for a good price!
There is something very important that I need to talk about.
How you can get insurance in Ecuador?
By Ecuadorian law, anybody can join the Gov social security. That means, health attention, medicines, surgeries, urgent medical atention.
The social security is known by IESS Instituto Ecuatoriano de Seguridad Social. (Social Security Ecuadorian Institute) This Gov ofice is not interested in making money, the Ecuadorian Gov wants to protect people. That means anybody with legal residence in Ecuador.
I was told by a Dr that he thinks IESS is great. The only thing that he does not likes is it takes a long time for a medical appointment and you need to call to the Call Center to get it. He said, surgeries, medicine and retired plan are great.
IESS cover 100% (no deductibles) in any medical atention, medicines or surgeries.
Coverage after the 3th month, there is not a time that you cant use it for emergency situations. IESS covers prexistent conditions. Again, Ecuadorian Gov wants to protect people.
Here is something that I have to say: The IESS says they want to cover everybody at anytime . But also they say if someone gets the insurance in knowledge they have preexistent condition, they will ask for the money back. The money that was used for medicine, hospital, etc..
There is not age limit. After 40 years old they require you to get a medical examination before you get the insurance. They say they want to be ready with medicine. I never had heard someone did not get coverage.
I will like to be very clear about this, because everybody needs protection.
There is 3 ways to join the IESS:
1-Work for someone in some company. Any company, does not matter if is little store or a big one as Walmart. (we dont have Walmart, but I mencionted just for a example)
2-Join it as your free will (you go to the IESS office fill out a form and you ask the insurance for yourself)
3-Join it as a self employed. For example: I sell Avon products, I sell shoes to a store (that qualifies as self employed).
-In the first case the employer pays a fee as a support of the employee. And the employee pays his/her fee
-In the 2nd case the person who is interested at the insurance pays a personal fee.
-In the 3rd one the person pays two fees: As employer and as employee. This allows you ask for credit at some point.
IESS gives retirement to the people when they have 35 years of fee payments.
But here is something, they have plans for seniors. A person who is 55 years old can ask for retirement after 10 years. That is for people who is in productive life (I mean people who has a job)
There are many things that I need to explain to you. I will do it in the next post if you have any questions.
My english is getting better. I need to learn more words and increase my vocabulary.
I want to thank you for reading my blog and share this information with your family, friends and anybody who is interested at be an expat!
Facebook: GoodLifeInEcuador
Twitter: @MariaPiaBlog
Good Life in Ecuador!!! 