Health Insurance in Ecuador

Get comprehensive health and medical cover when moving to Ecuador

Why Ecuador

As a developing economy, Ecuador places a high value on incoming workers to support growth in the country. As a result, there are regular opportunities for both graduates and experienced professionals and their families to move to the country, which offers the chance to live in a range of locations depending on the climate and weather you’d like to live in.

One of the biggest considerations to make when moving overseas is how you will access healthcare while living in your new destination.

Take out private health insurance for living in Ecuador with Now Health International today.

WorldCare Essential
Starts at
USD 34 /mo

Annual Max Plan Limit USD 3M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
WorldCare Advance
Starts at
USD 122 /mo

Annual Max Plan Limit USD 3.5M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
WorldCare Excel
Starts at
USD 143 /mo

Annual Max Plan Limit USD 4M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
WorldCare Apex
Starts at
USD 229 /mo

Annual Max Plan Limit USD 4.5M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
SimpleCare CORE
Starts at
USD 32 /mo

Annual Max Plan Limit USD 1M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
SimpleCare 100
Starts at
USD 38 /mo

Annual Max Plan Limit USD 1.5M

  • Organ transplant
  • Out-Patient care limited to USD 1,000
  • Routine and complex dental treatment
SimpleCare 250
Starts at
USD 47 /mo

Annual Max Plan Limit USD 1.5M

  • In-patient and day-patient care
  • Out-Patient care limited to USD 2,500
  • Routine and complex dental treatment

Interested to know more about WorldCare?

How Does the Healthcare System Work in Ecuador?

Healthcare in Ecuador is delivered across both the public and the private sector. The country operates a universal healthcare system, with free healthcare and treatment available for all Ecuadorians regardless of income and status. There is also no requirement for Ecuadorians to have any level of medical insurance cover to be able to access public healthcare.

Despite the challenging geography of the country, public healthcare coverage and availability in Ecuador is generally very good, with high standards also found throughout. While the best hospitals are found in the country’s main cities, clinics and health centres are available even in rural areas ensuring that all Ecuadorians are able to access healthcare relatively easily.

Standards in the private sector in Ecuador are also excellent, with healthcare costs being relatively cheap in comparison to the United States. Most private sector facilities are centred in urban areas, with little to no private-sector coverage in rural and remote areas of the country.

How Can You Access Healthcare in Ecuador?

If you move to Ecuador, you will be able to make voluntary social security contributions which will enable you to access the public healthcare facilities in the country. Your employer may also make contributions on your behalf. As an expat living in Ecuador, your social security contribution will be calculated as a percentage of your salary, therefore you will be required to provide proof of income in order for the correct deduction to be made.

As of 2019, this cost would be a minimum of USD 64 per month, based on the basic Ecuadorian monthly salary of USD 366, meaning you may be better off choosing a private healthcare package and not making the voluntary contributions.

Remember that depending on where you choose to live in Ecuador may dictate the level of access to healthcare you have across both the public and private sectors, and should consider this prior to making voluntary contributions or taking out private health and medical insurance cover.

Why Choose Now Health International for Health Insurance in Ecuador?

Our health and medical insurance plans start from as little as USD 26 per month for our WorldCare Essential Plan. This plan covers you for any in-patient and day-patient care you require while living in Ecuador, and is a good plan for those with pre-existing or conditions that may require long-term management and treatment.

In addition, our more comprehensive healthcare plans cover you for outpatient care, dental treatment, and maternity care if required. We also offer a more affordable SimpleCare plan that covers urgent and emergency treatment only.

Join thousands of Now Health International members living overseas covered by one of our private health and medical insurance packages.

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Linh's story

“I am so grateful to the Now Health Team for everything they did for me and my family. My rare condition was completely unexpected and it was distressing to discover this while I was pregnant. However from the initial diagnosis all the way through to my kidney transplant, the team were nothing but supportive and ensured I could access the best care when I needed it most. Having the reassurance that my mother’s transplant donor costs would be covered was also a real relief. Thank you Now Health!”


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