Hospital copay limit
Know the maximum amount you will pay for a hospital stay and make decisions with complete peace of mind.
Sigma
Prepaid medicine
Coverage of up to USD 150,000, free choice of hospitals and clinics in Ecuador, maternity and emergencies abroad for you and your family.
Coverage
USD 150K
Deductible
USD 150
Options
5 deductibles
Support for your family
Protection against significant medical events, with support when you need it most.
Free choice with no penalties
Choose your physicians, hospitals and medications without penalties, prioritizing convenience, proximity and quality of care.
Extensive network in Ecuador and Colombia
National medical network, plus an affiliated network in Colombia for certain types of care.
Preferential 90/10 copayment
Your hospitalization is covered at 80%, and at 90% in selected network hospitals.
Maternity with no deductible
Pregnancy care up to USD 2,000, with no deductible or copay.
Emergencies abroad
Coverage up to USD 50,000 per verified urgent care or medical emergency.
Intensive care
Covered under the hospital benefit, up to the total amount, with a maximum stay of 240 days.
Organ transplant
Coverage up to USD 75,000 for organ transplants.
Clients
360K
Claims settled
568K
Amount paid
USD 109M
Early career
Solid coverage from a young age, with free choice of hospitals and a way to start building prevention habits.
Starting a family
Maternity, access to a broad medical network and financial support for your children's medical expenses.
Near retirement
You have broad coverage for medical needs that increase with age, with access to hospitalization, specialists and quality care.
Download Documentation
Download the complete information on the Sigma plan
Sigma benefits for your family
What you get with Sigma
Sigma combines hospital and outpatient coverage, 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.
Free dental plan
100% prevention and other treatments from 70%, with your Sigma plan.
Robotic surgery
Coverage up to USD 25,000 for robotic surgery procedures.
Special benefits
International medical second opinion, telemedicine, doctor home visits and a funeral plan for you and your family.
Traffic accidents
The SPAT applies first, according to current regulations; then, the coverages of your plan.
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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Sigma gives you the peace of mind of having up to USD 150,000 in coverage, free choice of healthcare providers throughout the country and benefits that go with you beyond borders. It includes maternity, medical emergencies abroad and access to an affiliated network in Colombia, giving you comprehensive protection for every stage of your life.
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BMI covers 80% of medical expenses and the member pays the remaining 20%. At selected hospitals, this benefit improves with a preferential 90/10 scheme. In addition, Sigma includes a hospital copay limit, giving you the peace of mind of knowing the maximum amount you could pay for a hospital stay
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Up to USD 2,000 for pregnancy care, with no deductible or copay.
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Yes. The Intensive Care Unit is part of the hospital benefit, up to the total coverage amount and with a maximum stay of 240 days.
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Yes. It covers verified medical urgencies and emergencies during trips abroad, up to USD 50,000.