Análisis de la sostenibilidad financiera del seguro de salud y seguro de pensiones del Instituto Ecuatoriano de Seguridad Social durante el periodo (2018-2022).

Abstract

The financial sustainability of the health insurance and pension programs of the Ecuadorian Social Security Institute is a major challenge. The entity is facing a growing demand for medical services in the health insurance area due to the aging of the population and the need to cover increasingly expensive medical treatments and technologies. Due to this situation, the financial resources of the IESS must be managed in an efficient and sustainable manner to ensure continuity and quality of medical care for its affiliates. To improve the long-term financial viability of the IESS health insurance system, it is essential to implement measures to control spending, improve resource management and seek additional sources of financing. As for the pension system, the increasing longevity of the population, the declining birth rate and economic fluctuations also jeopardize the financial sustainability of the IESS. Structural reforms that promote efficiency in the management of pension funds, encourage formal employment and help increase the contributor base are necessary to ensure the viability of the pension system. It is also important to consider cautious and diversified investment strategies that generate long-term returns. To guarantee the financial sustainability of the IESS pension system in the future, it is essential to promote financial education and awareness of the importance of social security.