Every year, Ecuadorian workers receive their pensions, an extra income that can make a difference in their finances. When making important financial decisions, many people wonder whether it's better to purchase traditional life insurance, invest in a savings plan with complementary benefits, or take out a health insurance policy.
Life insurance provides peace of mind and financial support for your loved ones in the event of your death, making it ideal for those seeking direct family protection.
On the other hand, a savings plan with coverage included allows you not only to protect your family, but also to grow your money over time through scheduled contributions, so you can decide how to invest your finances according to your goals and needs.
In Ecuador, access to health insurance remains limited: 67.5% of the population does not have medical coverage, according to data from the National Institute of Statistics and Census (INEC) of 2021. Only the 30.7% of women and the 35.2% of men are insured, reflecting a significant gap in access to health services.
In this context, Having a health insurance policy is no longer a luxury but a real necessity. to ensure timely care and financial protection.
Why choose a health plan with your profits?
Health is a fundamental pillar of well-being, and an unexpected illness can destabilize any household's finances. According to economist Andrea Mendoza, who wrote for the newspaper La Hora, Ecuador has experienced a 331% to 34% increase in healthcare costs over the past three years.
In this regard, the WTW Global Medical Trends Survey 2025 projects a 10.1% increase in Latin America by 2025. That is, if in 2022, a family allocated $200 for monthly medical expenses, by 2025, without considering the projections, the family will allocate $266.
Therefore, investing in a private health plan not only guarantees access to quality medical care, but also protects family assets from the high costs of treatment and hospitalization.
According to Banco Internacional, it's advisable to invest your earnings in a medical plan that provides help in unplanned times. Among the main advantages of having one is receiving immediate, high-quality care, according to the Spanish health journal Salud y Medicina.
Benefits of a health plan
- Access to prestigious hospitals: Insurers work with the most renowned medical centers, offering access to facilities with advanced technology, specialized units, and a wide range of treatments.
- Customized coverage: The insured can adapt their plan to their budget and needs, choosing the medical services and health plans that best fit their lifestyle.
- Second medical opinion: If the insured requires it, he or she may consult with another specialist to obtain a further evaluation of his or her diagnosis or treatment.
- International coverage: We offer international policies like BMI Unique, which allow you to receive medical care abroad. We also offer plans that include medical coverage in Colombia.
- Digital assistance: Digitalization has revolutionized medical services, allowing consultations with healthcare professionals via video calls, without the need for travel. BMI, for example, offers BMI 360 to facilitate the appointment scheduling process. If you're a client, visit: https://360ec.bmicos.com
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BMI Savings: protection and financial growth in a single plan
If you're thinking about saving for the future but aren't convinced about taking out traditional life insurance, there's a more comprehensive and intelligent alternative, BMI Savings, which combines the best of life insurance with a smart savings plan.
It offers coverage of up to $20,000 in the event of death and up to $100,000 for accidental death, guaranteeing the financial security of your family.
Plus, boost your savings with a return of up to 6x compound annual interest. It also offers benefits like cashback at partner retailers and the option to make additional contributions with your card, so your money grows strategically at any time. And if you invite your friends to join, you can receive up to 1x4T100 in rewards on your savings plan.
Make informed decisions
Before choosing a health plan, it's important to compare options and make sure it fits your needs and budget. Having the right health plan is an investment in your peace of mind because it guarantees the protection you need for your family.
Remember, annual earnings offer a unique opportunity to strengthen your financial stability. Using them toward a health plan is a smart decision that guarantees financial security and well-being for you and your loved ones.
Health is priceless, and with good planning, you can ensure it's always protected.
