27/08/2022
Familial Health Insurance, When and Why?
By Carlos Ramirez
In Ecuador, family insurance is available for both heterosexual and same-sex couples/families. I felt this was important to note since not all countries recognize the marriage of same-sex couples and this recognition was only recently made in Ecuador in 2019. Currently same-sex marriages are totally legal in our country and are protected by law.
If you are thinking about starting or adding to your family we recommend that you get a health insurance plan as soon as possible before taking that next step. This is recommended because in the event that you or your wife becomes pregnant immediately and you contract a health plan after, this pregnancy will be considered a pre-existing condition and will not be covered by your health insurance. In order to ensure coverage, insurance must be contracted three months before you plan to conceive a baby in Ecuador. If contracted at least three months before, the mother and the unborn child will definitely have coverage before, during, and after the pregnancy. In the event of complications at birth, thermal cribs, surgeries, or immediate care for catastrophic illnesses is needed, this will also be covered by the company.
To read this full article please click the link below:
https://www.hi-expat.com/post/familial-health-insurance-when-and-why
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