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{{Infobox
| title = 🏥 IESS
| label1 = Full name
| data1 = Instituto Ecuatoriano de Seguridad Social
| label2 = Type
| data2 = Public social security institution
| label3 = Founded
| data3 = 1928 (as Caja de Pensiones)
| label4 = Coverage
| data4 = Formal employees and voluntary affiliates
| label5 = Website
| data5 = iess.gob.ec
}}

The '''Instituto Ecuatoriano de Seguridad Social (IESS)''' is Ecuador's public social security system. It provides health insurance, pensions, unemployment benefits, and other social protections to workers in formal employment and their families, as well as voluntary affiliates.

== What IESS Covers ==

For affiliated members (afiliados), IESS provides:
* '''Medical care''' — outpatient, specialist, emergency, surgery, maternity, dental (limited), mental health
* '''Medications''' — through IESS pharmacies and dispensaries
* '''Hospitalization''' — in IESS hospitals and through contracted facilities
* '''Disability benefits''' — for work-related and non-work-related disability
* '''Maternity leave''' payments and childcare
* '''Retirement pension''' — after meeting contribution requirements
* '''Unemployment insurance''' — for formal employees who lose work
* '''Montepío''' — survivor benefits for dependants of deceased affiliates
* '''Quirúrgico''' — surgical fund contributions

== Who Can Affiliate ==

=== Mandatory affiliation ===
Any worker in formal employment in Ecuador must be registered with IESS by their employer. If you are employed under a legal contract, your employer deducts your contribution from your salary (approximately 9.45% of your monthly wage) and pays an additional employer contribution (approximately 12.15%).

=== Voluntary affiliation ===
Self-employed workers, freelancers, informal workers, and some foreign residents can affiliate voluntarily. Voluntary affiliates pay both the employee and employer portions themselves — roughly 21.6% of their declared income per month. This is a significant cost but provides full access to IESS health services and contributes toward pension rights.

=== Pensioners and retirees ===
Retired IESS affiliates continue to receive health coverage as pensioners (jubilados).

== IESS on the Santa Elena Peninsula ==

The peninsula has several IESS facilities:

{| class="wikitable"
|-
! Location !! Type !! Services
|-
| IESS Centro de Especialidades, La Libertad || Specialty outpatient centre || Specialists, labs, imaging
|-
| IESS Dispensario La Libertad || Primary care dispensary || GP, basic services
|-
| IESS Dispensario Santa Elena || Primary care dispensary || GP, basic services
|-
| IESS Dispensario Anconcito || Primary care dispensary || GP, basic services
|-
| IESS Dispensario Salinas || Primary care dispensary || GP, basic services
|}

The nearest full IESS hospital is the '''Hospital del IESS de Guayaquil''' — for major procedures, peninsula affiliates are generally referred there.

{{EW dyk|emoji=💵|…Ecuador has used the US dollar as its currency since 2000?|page=ATM & Banking|cta=Money tips →}}

== IESS vs. Private Health Care ==

{| class="wikitable"
|-
! Feature !! IESS !! Private
|-
| Cost for affiliates || No direct cost for services (covered by contributions) || Pay per visit / insurance premium
|-
| Wait times || Can be long; specialist appointments weeks ahead || Shorter; same-day often possible
|-
| Emergency care || Covered immediately for affiliates || Covered if you have insurance; otherwise pay
|-
| Medications || Through IESS pharmacy — wide formulary, no charge || Through private pharmacies; patient pays
|-
| Quality || Varies by facility; centres of excellence exist || Generally faster and more modern equipment
|-
| Access without affiliation || Not available for non-affiliates || Available to anyone who can pay
|}

For expats and long-term visitors: if you are not formally employed and not voluntarily affiliated, IESS is not accessible to you for routine care. See [[Hospitals & Clinics]] for private and public alternatives.

== How to Access IESS Services ==

# You must be an '''afiliado activo''' (active affiliate) — check your status on the IESS website or app
# For non-emergencies: request an appointment (turno) through the IESS app or website, or in person at the dispensary
# For emergencies: go directly to the IESS emergency area; they are obligated to attend regardless of appointment status
# Bring your '''cédula de identidad''' (or passport for foreign affiliates) to every appointment
# Prescriptions are filled at the IESS pharmacy — bring your cédula and the digital prescription

== For Employers ==

If you hire anyone formally in Ecuador, you are legally required to register them with IESS within 15 days of starting work. Failure to do so carries significant fines and penalties. Registration is done online through the IESS employer portal. See [[Working in Ecuador]] for details.

== IESS on the peninsula ==
* '''Hospital Básico Ancón''' in San José de Ancón is the IESS hospital with in-patient beds for affiliates from the whole province. The IESS outpatient clinic is in La Libertad (see [[Medical Services]]).
* In the rural parishes, many families are covered by '''Seguro Campesino''' (the IESS scheme for farmers and fishers), which has its own dispensaries.
* Coverage is low: in Salinas only about '''14%''' of people over 12 have IESS general insurance, and about 81% have no social security at all (2022 census) — so public MSP hospitals carry most of the load.

''Sources: PDOT cantón Santa Elena; PDOT Salinas 2023–2027; PDOT Provincia de Santa Elena 2015–2019.''

== See Also ==
* [[Hospitals & Clinics]]
* [[Medical Services]]
* [[Finding a Doctor on the Peninsula]]
* [[Private Health Insurance Ecuador]]
* [[Working in Ecuador]]

{{EW explore|Private Health Insurance Ecuador|Working in Ecuador|Medical Services|Medications in Ecuador|Pharmacies (La Peninsula)|Montañita}}
{{EW next|Finding a Doctor on the Peninsula}}

[[Category:Living & Practical]]
[[Category:La Peninsula]]
[[Category:Medical]]

IESS/en - Revision history

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