Hospital and outpatient care in a single plan
Use it for frequent medical expenses as well as for more complex illnesses.
Innova
Prepaid medicine
Comprehensive medical protection for you and your family, with free choice of doctors, USD 120,000 coverage and no age limit.
Coverage
USD 120K
Deductible
USD 250
Copayment
USD 10K
Emergencies and urgent care
If you have a medical emergency or urgent care need, your coverage applies immediately starting 24 hours after you purchase the plan.
Outpatient care
You can access medical consultations, tests and outpatient treatment starting 30 days after purchasing your plan.
Maternity, hospitalization and disability
Maternity care is covered after 60 days, and hospitalization and disability after 90 days from the plan's start.
Declared pre-existing conditions
If you have a declared pre-existing condition, your plan covers it 24 months after you purchased it.
Free choice of physicians
Get care from the doctors and healthcare providers you trust.
No age limit
Keep your coverage with no age limit or restrictions due to medical history once the plan is purchased.
Waiver of premiums
If the policyholder dies, your dependents keep all coverage for 1 year.
Preferential 90/10 copayment
Save on hospitalizations at selected network hospitals in Quito and Guayaquil.
Emergencies abroad
If you travel abroad, you have coverage of up to USD 50,000 per medical emergency or urgent care event.
Robotic surgery
If you need a robotic surgery procedure, your plan covers up to USD 25,000 in related expenses.
Organ transplant
If you need an organ transplant, your plan covers up to USD 40,000 in related medical expenses.
Extensive network in Ecuador and Colombia
In addition to the extensive local medical network, you have hospital agreements in Colombia.
Clients
360K
Claims settled
568K
Amount paid
USD 109M
Early career
An unexpected medical event can be expensive: get access to quality care, telemedicine and dental benefits starting now.
Starting a family
Maternity, newborn, dependent children and hospital and outpatient coverage for your household.
Near retirement
Keep your coverage with no age limit, with support for hospitalization, therapies, prostheses and transplants.
Download Documentation
Download the complete information on the Innova plan
Innova benefits for your family
What you get with Innova
Innova combines hospital and outpatient coverage, maternity, a free dental plan and support services for your whole family.
Hospitalization at 80%
Room, board and intensive care covered, with a 20% copayment.
Outpatient care
Consultations, tests and medications covered, with a 20% copayment.
Maternity and newborn
Maternity coverage of up to USD 1,000, with expanded protection for pregnancy complications and your newborn.
Free dental plan
100% prevention and other treatments from 70%, with your Innova plan.
Prostheses and orthopedic devices
Coverage up to USD 10,000 when medically necessary for your treatment.
Special benefits
International medical second opinion, telemedicine, doctor home visits and funeral service.
What benefits do you get with your prepaid medicine plans?
360,000 clients
In Ecuador, people trust our prepaid medicine plans with their health and that of their families
568 000
Claims settled per year, proof that we respond when our clients need us
USD 109,000,000
Paid in claims every year to cover our clients' medical care
Free choice
Freely choose the hospitals and medical centers where you want to receive care
High coverage
Your plan works with the highest coverage table on the market, so you receive more support with every visit
Emergencies while traveling
Travel with peace of mind: your plan covers medical emergencies that may arise during your trips abroad
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Innova offers you comprehensive coverage with free choice of doctors and healthcare providers. It includes hospital and outpatient care, maternity, newborn care, transplants, robotic surgery, an international medical second opinion, a dental plan, telemedicine, house-call doctor, funeral service and partner agreements in Colombia, all in a single plan designed to take care of you and your family.
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The deductible is USD 250 per person per contract year. Hospital and outpatient care is generally covered at 80%, with the applicable copayments. At some network hospitals the copayment is preferential: 90/10.
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No. Insureds who are already part of the plan keep their coverage with no age limit and no restrictions due to their medical history.
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Your dependents are exempt from paying premiums for one year.
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Yes. It includes assistance for medical urgencies and emergencies during trips abroad, up to USD 50,000 per trip.