For a limited time, new health insurance clients receive a 50% reduction in their deductible for the first year.

Major Medical Health Insurance

National coverage

for major medical events.

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.

100% coverage up to $500,000

starting at $5,000 deductibles

General Health Insurance Plan Information

Maximum coverage per person, per policy year

• $500,000 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 

• 100% with free choice of hospitals and doctors*

Coverage outside of Ecuador and Colombia

• Travel insurance is included for medical urgencies and accidents and will cover 100% up to $500,000 after the deductible has been met


•The chosen deductible applies per year

 *Open network of doctors and hospitals aplies only within Ecuador.

We offer 100% coverage in the following medical areas:
  • In-patient benefits
  • Out-patient benefits
  • Prescription medication
  • 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 are covered up to the policy limit.

Is this plan suitable for you?

This plan covers 100% of all your medical bills from the diagnosis to the treatment. From prescription medication to prostheses. From radiation to chemotherapy. You will receive all these benefits knowing you are fully covered for your new life within Ecuador.

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