Cigna Global in Ecuador

Cigna Global in Ecuador

Cigna Global is a top choice for retirees in Ecuador who want comprehensive coverage and the option to access US healthcare for complex conditions. With strong care coordination and medical evacuation benefits, Cigna provides peace of mind.

For those who may need specialized care beyond what Ecuador offers, Cigna's global network and US coverage options are particularly valuable.

Why Cigna for Ecuador

Medical Evacuation

While Ecuador handles most medical needs, complex cases may require evacuation. Cigna provides:

• Evacuation to nearest appropriate facility
• Option for US evacuation for complex care
• Coordination with US specialists if needed

US Coverage Options

For retirees who visit the US or prefer US care for certain conditions:

• Plans available with US coverage included
• Access to US hospital networks
• Seamless coverage when visiting family

Retiree-Friendly Features

• Lifetime renewability guarantee
• No upper age limit with underwriting
• Pre-existing condition options
• Wellness programs

Plans and Pricing

Prices shown for healthy 55-year-old. Premiums increase significantly with age.

Cost Factors

• Age: Significant increases after 60 and 65
• US coverage: Adding US increases premiums 30-50%
• Deductible: Higher deductibles reduce costs 20-30%

Coverage Details

What's Covered

• Inpatient: Hospital stays, surgery, ICU
• Outpatient: Doctor visits, specialists (Gold+)
• Emergency: Worldwide emergency coverage
• Evacuation: To appropriate facility including US
• Cancer: Full treatment coverage
• Chronic conditions: Covered after waiting period

Limitations

• Pre-existing conditions: 2-year moratorium or underwriting
• Mental health: Limited, varies by plan
• Dental/vision: Optional add-on

Retiree Considerations

Age-Related Pricing

• Age 55: $300-450/month
• Age 65: $450-650/month
• Age 75: $600-900/month

Pre-existing Conditions

Cigna offers moratorium (2-year exclusion) or full underwriting options for pre-existing conditions—important for retirees who often have health histories.

Combining with IESS

Many retirees use both Cigna and IESS: Cigna for comprehensive coverage and evacuation, IESS (~$80-100/month) for routine local care.