Intermediate Expense Health Insurance

Living your life day to day in Ecuador

requires a health insurance plan that covers day to day expenses.

Second Medical Opinion

Take confort knowing that you can ask for a second medical opinion when it matters the most.

The Superintendence of Companies of Ecuador

BMI is approved as one of the prepaid healthcare providers for foreign residents.

A reasonable deductible at a reasonable premium.

BMI Intermediate Expat Plan. A plan that makes sense!

Additional benefits with BMI Intermediate Expat Plan

All our clients who acquire our BMI Intermediate Expat Plan have additional benefits and discounts at the following locations

Click here to see the full list of locations where you have benefits and promotions.

General Health Insurance Plan Information

Maximum coverage per person, per policy year • $100,000 USD per event
Eligibility to apply • No age limit
• Only U.S., Canadian or Eurpean/UK citizens living in or planning to live in Ecuador.
Coverage within Ecuador and Colombia  • 80% with free choice of hospitals and doctors
Coverage outside of Ecuador and Colombia • Travel insurance is included for emergency or accidents and will cover 100% up to $10,000 after the deductible of $150
Copay maximum limit • $8000 (You won’t pay more then this in copays!)

We offer 80% coverage in the following medical areas:
  • In-patient benefits
  • Out-patient benefits
  • Prescription medication
  • Physician and specialist visits
  • Reconstructive surgery in case of illness or accident
  • Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans, endoscopy, cystoscopy, stress test and ultrasound)
  • Cancer tests, medication and treatment (chemotherapy and radiotherapy)
  • Dialysis
  • Prostheses and medical appliances implanted during surgery
  • Second Medical Opinion around the world

*All benefits with 80% coverage are up to the policy limit.

This plan has low deductibles, low premiums, and high coverage.

Most plans offer low deductibles at high premiums. This means that the insurance companies will start to pay your medical bills once you meet your low deductible. This great benefit comes at a high cost to you at premiums that normally start at $3000/year.

How we are different

This plan offers you coverage of up to $100,000, with deductibles as low as $1,000, with premiums as low as $1500/year. This means that we start to cover 80% of your medical expenses after your $1,000 deductible is met. And even better, it is 100% your choice as to what hospital or doctor you choose to visit in Ecuador, we will cover you. That’s right, for just over $100/month you can be sure that your medical expenses will be covered allowing you to retire in Ecuador with the peace of mind you longed for.

Other benefits

Additional discounts on persribed medication 10% off at qualifying farmacies. 
ICU coverage

100% with no deductible. 

No charge at partner medical centers

Cuenca: Veris and Red Medica.

Guayaquil: Biodimed, Mediglobal, Avantmed, and more.

Quito: Avantmed, USFQ, Hospital de los Valles, Metrored, and more



Schedule an appointment with us for more information about Intermediate Health Insurance