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Some of my clients often ask me if it is necessary to join IESS and have private insurance at the same time.

The answer is: use IESS for simple illnesses. And for major medical expenses, get private insurance.

Why should I do this?
IESS is an option, especially if the person has several pre-existing conditions and is taking medications, e.g., for high blood pressure, cholesterol, etc.
IESS could also be used for consultations with general practitioners for annual check-ups, to treat migraines, and for consultations with specialists (if you have patience), in addition to blood tests, ultrasounds, nothing complicated.

But you need to know that the IESS is not for catastrophic illnesses, accidents or complex surgeries.
According to the article published about IESS, members are no longer referred to private hospitals, but only in very specific cases.

With these clear points, IESS is definitely NO for major events.
If you have IESS, I will be happy to advise you, according to your needs. Without obligation and free of charge.

Contact me

Contact information:

Daniela Cordero

info@cuencaexpatinsurance.com

697 views

This is a good question. The answer may be different for each person.
This is my opinion:
1. if you are healthy, have no pre-existing conditions and live a good life, I recommend giving up your IESS insurance.
If you want to keep it, it is fine for minor things like checkups. However, a full checkup once a year in Cuenca can cost $100 VS Monthly IESS costs $80.
You could get catastrophic insurance instead and pay for your checkups out of pocket.
Or you could purchase insurance with a low deductible and high coverage.
2. If you have a pre-existing condition such as high blood pressure, cancer, or other complicated pre-existing condition, be sure to get IESS and private insurance.
Why?
Because if you only purchase private insurance, your pre-existing conditions will be covered up to $8,500 per pre-existing condition after a two-year waiting period. And $8,500 is not enough money to pay for cancer treatment.
Private insurance could cover new illnesses unrelated to the pre-existing condition and provide access to the best private hospitals in the country.

Contact information:

Daniela Cordero

info@cuencaexpatinsurance.com

114 views

Hello everyone,

Despite the difficulties we are experiencing these days due to the Paro Nacional, we are opening normally, from 9:00 a.m. to 6:00 p.m.
This week we have received several items such as: dining room set with sideboard, living room sets, refrigerators, washers, dryers, king size beds, etc.

We hope you visit us soon, we also offer discounts on all your purchases in cash. You can also bring your items that you don’t use or don’t need, remember, you bring it we sell it!

Marc: marcsconsignacion@gmail.com 096 849 6409. City: Cuenca

Contact information:

Marc

marcsconsignacion@gmail.com

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