Análisis de mercado de la ley que regula compañías de salud prepagada y de asistencia médica en Ecuador.

Abstract

The main objective of this essay is to provide a comprehensive summary of the Law Regulating the Marketing of Medical Assistance, i.e., Health and Prepaid Medical Insurance, presenting a market analysis as established by the Law, its changes, with a before and after of the Law, and its current situation. To this end, the reader is informed that the essay focuses on the author's experience in the insurance market from 2012 to the present, and therefore all the information it contains is based on the aforementioned period. However, for a better understanding of the legal situation and its technical, legal, and commercial regulations, additional sources and information will be cited through a document review that allows for determining the context of the problem and proposals for improvement, since the aim is to contribute to the fulfillment of commercial, service, loyalty, and/or retention parameters; that is, to strengthen and optimize the processes and expertise of all sales and after-sales channels, to ensure and guarantee compliance with the channel's commercial budget, safeguard the companies' revenues, and, above all, as authorized, contribute to the State with observations on the Law for its study and analysis, in order to optimize the annual health budget and redirect the resources that may be freed up, allocating them to other additional but also essential health needs.