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Insurance Solutions for Employers
Trusted for over 110 years to provide insurance solutions for your business
Let us take care of a competitive benefits package that fits your business needs.
Employer Plans
Retain and motivate your top talent and increase their wellbeing and protection with access to the best care with group life, medical and personal accident insurance for your company’s employees. You will receive the support of a company that has been in the market for more than 67 years and is a leader in insurance in Ecuador. We offer plans that fit your budget, with coverage that meets the needs of your employees and your business.
Explore our Solutions
Life Insurance Plans
Personal Accident Plans
Employer Plans for SMEs
Multinationals
Life Insurance Plans
Personal Accident Plans
Employer Plans for SMEs
Multinationals
Group Life Insurance
Insure your company’s most valuable resources with our Group Life Insurance. As your strategic ally, we help you offer your employees comprehensive life protection. With our insurance, your employees and their families will always be protected against any eventuality.
They will also enjoy numerous benefits:
- Complete coverage to protect their families’ well-being and stability in situations such as death, total and permanent disability, or serious illnesses
- Promoting a culture of prevention with insureds
- Flexible plans, customized to their needs
- Added value for your benefits plan
- Financial and emotional security for your employees
- Affordable solutions for the most common risks
- Improved employee retention and loyalty
Group Life Insurance
Insure your company’s most valuable resources with our Group Life Insurance. As your strategic ally, we help you offer your employees comprehensive life protection. With our insurance, your employees and their families will always be protected against any eventuality.
They will also enjoy numerous benefits:
- Complete coverage to protect their families’ well-being and stability in situations such as death, total and permanent disability, or serious illnesses
- Promoting a culture of prevention with insureds
- Flexible plans, customized to their needs
- Added value for your benefits plan
- Financial and emotional security for your employees
- Affordable solutions for the most common risks
- Improved employee retention and loyalty
We are committed to caring for your company’s most valuable resources, by covering your employees under a single contract.
Our plans have a variety of options for the various risks of everyday life:
- Corporate plans: protection for your company’s operating, administrative, and managerial staff
- Student plans: schools and universities
- Events: Conferences, workshops, marathons
- And more
Summary of Benefits:
- Coverage 24 hours a day, 365 days a year, inside and outside Ecuador
- Easy process—no medical exams required
- Access to our PALIGMED medical provider network in the event of an emergency due to an accident
- Flexible, customized plans
- Plans packaged for easy distribution and issuance
- And more
Corporate Outpatient Care
Exclusive care from the medical provider network by our provider CORIS. You will receive the following services:
- Doctor visits and medicines (under the covered specialties)
- Medications prescribed in the doctor’s visit
- Doctor visits via telemedicine
- Doctor visits at home
- Ground ambulance in case of emergency
- Dental coverage, depending on the plan
- Laboratory tests
Protection for Participants
Protects participants by offering them comprehensive coverage of unexpected injuries or accidents at short-term events or activities.
- Marathons
- School and university events
- Factory and warehouse visits
- Hikes
- Triathlons
- Races
- Plays
- Seminars and more
Secure Protection
Protection for security guards and administrative staff. Our plans have coverage of USD 50,000 for working and non-working hours.
Ask about our plans; we specialize in competitive solutions tailored to your needs.
Corporate Protection
Given the high risk of disability caused by an accident, protecting your team means quickly meeting any needs that may arise, such as special treatment, medications, and debts and liabilities to be paid.
Ask about our Best Care accident care services and our Insured Plus One and Insured Plus Family plans.
PALIGSmile—Corporate Dental Plan
Having a dental plan has benefits that make you smile. This dental plan covers both insureds and their dependents. Service provided through our provider CONFIDENT.
Dental coverage for you and your family in the specialties you need, depending on the plan.
- Prevention
- Emergencies
- Toothache
- Surgery
- Pediatric dentistry
- Periodontics
- Endodontics
Corporate Outpatient Care
Protection for Participants
Secure Protection
Corporate Protection
PALIGSmile—Corporate Dental Plan
Exclusive care from the medical provider network by our provider CORIS. You will receive the following services:
- Doctor visits and medicines (under the covered specialties)
- Medications prescribed in the doctor’s visit
- Doctor visits via telemedicine
- Doctor visits at home
- Ground ambulance in case of emergency
- Dental coverage, depending on the plan
- Laboratory tests
MiniMed
MiniMed protects your workforce with medical and life insurance for groups of five to 50 employees.
This insurance, intended for small and medium-sized businesses, will provide coverage for the different categories of employees in your business.
Main Coverage:
- Hospitalization and intensive care
- Physician, surgeon, and anesthesiologist fees
- Laboratory tests and x-rays
- Medication
- Outpatient doctor visits and therapies
- Organ transplant
- Maternity and newborn care
Summary of Benefits:
- Life insurance: Face values from USD 10,000 to USD 50,000
- Extensive medical provider network
- Improved and increased coverage of pre-existing conditions
- Additional and preventive benefits at no charge
- And more
Plans offer coverage for insureds and spouses up to age 75, and for dependent children up to age 25, with the following options available:
- Level I and II plans, from USD 15,000 to USD 100,000 of coverage
- Custom plan, USD 10,000
MiniMed
MiniMed protects your workforce with medical and life insurance for groups of five to 50 employees.
This insurance, intended for small and medium-sized businesses, will provide coverage for the different categories of employees in your business.
Main Coverage:
- Hospitalization and intensive care
- Physician, surgeon, and anesthesiologist fees
- Laboratory tests and x-rays
- Medication
- Outpatient doctor visits and therapies
- Organ transplant
- Maternity and newborn care
Summary of Benefits:
- Life insurance: Face values from USD 10,000 to USD 50,000
- Extensive medical provider network
- Improved and increased coverage of pre-existing conditions
- Additional and preventive benefits at no charge
- And more
Plans offer coverage for insureds and spouses up to age 75, and for dependent children up to age 25, with the following options available:
- Level I and II plans, from USD 15,000 to USD 100,000 of coverage
- Custom plan, USD 10,000
For companies operating in several countries, we offer a complete benefits package that meets each country’s needs.
Our unique geographical presence, combined with our specialized experience designing accident, life, health, and retirement plans for multinational companies, has made us the partner of choice for companies like yours seeking to offer their employees high-quality benefits and first-class services.
*NOTE: Information and pricing subject to change for product renewals
This is not an offer or solicitation to sell insurance products. The information above constitutes a summary of the different product benefits. It is not a contract or agreement. All products are subject to exclusions and other applicable terms and conditions.
Portal Access
Benefits Direct
Access Benefits Direct today to file claims, follow claim status, view policy eligibility and request authorizations.
Additional Resources
Resource Center
Access additional resources, forms, applications, product terms and conditions and additional policy benefits
Telemedicine
PALIG offers its insureds Telemedicine. Consult with healthcare providers through video calls, phone calls, and more without a visit to a clinic.
