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The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Ecuador is sandwiched between the Andes Mountains and the Pacific Ocean. It has no less than three climate zones – tropical, dry sierra, and humid rainforest.
The South American nation is a favorite destination for those seeking to move abroad. The virgin beaches along the Pacific, the towering Mt. Chimborazo, and an extremely affordable lifestyle are just a few of the features that make it unique. If you are looking for a clean, healthy place to live with plentiful natural resources, Ecuador is a natural choice.
The biggest question that expatriates have when moving to Ecuador is about the state of healthcare. It is natural to be worried about one’s well-being in a foreign land. Falling ill abroad is not a matter to be taken lightly. Here, we present a detailed look at the Ecuadorian healthcare system, and we advise you to purchase expatriate health insurance before you move.
Ecuador has a universal healthcare system. It is funded by the government and provides treatment to all.
The major cities, such as Quito (the capital) and Guayaquil, have public hospitals. Treatment is free, and anyone can visit for examination by a general practitioner or a specialist, depending on the malaise. The general hospitals focus on pediatric care, gynecology, and surgery. There are also government-run clinics that are more specialized, such as those for cancer (known as SOLCA) and psychiatric hospitals.
Each of the smaller towns has comprehensive healthcare centers that are able to treat less threatening problems. If patients require treatment or minor surgery that does not need overnight stay, they visit day hospitals, or Centros de Salud.
Overall, the system has been designed to extend health benefits at no cost to as many of Ecuador’s 16 million citizens as possible.
The system is overburdened. That is the inevitable fate of public healthcare systems in many developing countries. Despite the best intentions of the administration, Ecuadorian public healthcare is unable to keep up with the demands of an aging population. The worst part is the long wait to find a specialist and receive surgery.
To add to its woes, there is a lack of trained medical professionals. Many prefer to migrate to better-paying jobs in Argentina and Brazil, two of the wealthier nations in South America.
Since the state-run health plan Instituto Ecuatoriano de Seguridad Social (IESS) is under severe strain, the government decided to make private healthcare mandatory in 2017. If you’re an expat, expatriate health insurance would meet this requirement.
This applies to all residents and those who work in the country subject to a maximum age of 65 years. The laws are quite gentle upon the customer, making it impossible for insurance companies to refuse patients based on pre-existing conditions. There has been a sharp rise in new private hospitals in Ecuador. These have been opening all over Quito, Salinas, and Cuenca.
The standard at these hospitals is quite impressive. Naturally, quality comes at a price. The expense, however, can be conveniently settled through a health insurance policy for expats in Ecuador.
Before you move to Ecuador, you obviously need to buy expatriate health insurance. However, it is not as simple as paying a premium and picking up a policy. It would be better to buy one that provides you with the most comprehensive coverage that you could ask for.
To many, the fine print is quite hard to understand. We demystify the jargon you will face when buying an Ecuadorian expat medical insurance policy.
The discussion above is not meant to make you pause. Go ahead and buy the expatriate medical insurance coverage that you desire. Compare several policies from different companies and choose the one that best fits your needs. Make sure that the add-ons you want are present, and then purchase.
With your brand-new policy, you are ready to relocate to Ecuador and enjoy a fun-filled expat life.
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Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
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Buy J visa medical insurance to meet your requirements.
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Make an instant purchase online and get instant visa letter.
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Purchase annual multi trip travel insurance for your travels.
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