GBG Global Inpatient
Type of plan
Global Inpatient
Maximum coverage per insured
US$1,000,000 per policy year
Age limit to apply
75
Waiting period
30 days
Coverage outside USA
Latin America and the Caribbean
• 100% without restrictions of doctors and hospitals
Other countries outside the U.S., Caribbean and Latin America
• 100% through the Global Security network
• Outside the Global Security network coverage will be at 70%
• 100% without restrictions of doctors and hospitals
Other countries outside the U.S., Caribbean and Latin America
• 100% through the Global Security network
• Outside the Global Security network coverage will be at 70%
Coverage inside USA
• 100% through the Global Security network
• Outside the Global Security network coverage will be at 70%
• Outside the Global Security network coverage will be at 70%
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit
Private duty nursing
• 100%
Private duty nursing
• 100%
Special benefit for suite
N/A
Intensive care unit
100% up to the coverage limit
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured
• US$100 per night, up to US$1,000
• US$100 per night, up to US$1,000
Prescribed medications while hospitalized
100%
Psychiatric treatments
100%
Outpatient Benefits
Emergency room
100% if admitted immediately as an inpatient
Physician and specialist visits
Inpatient
• 100% if admitted immediately as an inpatient
Outpatient
• 100% up to 6 visits, following a covered hospitalization
• 100% if admitted immediately as an inpatient
Outpatient
• 100% up to 6 visits, following a covered hospitalization
Physician and specialist home visits
N/A
Prescribed medications
Following a hospitalization or outpatient surgery
• 100% up to 6 months
Following a physician or specialist visit
• N/A
• 100% up to 6 months
Following a physician or specialist visit
• N/A
Complementary therapy
N/A
Nurse care at home
US$6,000 following a covered hospitalization
Preventive health checkup
No deductible applies
All options
• US$100 from 6 months and older
All options
• US$100 from 6 months and older
Hearing aids
N/A
Alzheimer’s disease
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
Autism
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
Outpatient surgery
100%
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100%
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
Inpatient
• 100%
Outpatient
• US$10,000 for pre-surgical testing only, after a 3-month waiting period, pre-authorization required
Inpatient
• 100%
Outpatient
• US$10,000 for pre-surgical testing only, after a 3-month waiting period, pre-authorization required
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
N/A
Prostheses and medical appliances implanted during surgery
100% pre-authorization required
Organ and tissue transplant
Per organ/tissue
• US$750,000 per diagnostic, per lifetime (with optional rider)
• US$750,000 per diagnostic, per lifetime (with optional rider)
Benefits for live donors
US$40,000 per lifetime, included in the organ transplant benefit (with optional rider)
Durable medical equipment
Following a covered hospitalization
• US$6,000
• US$6,000
Allergy treatments
N/A
Physical therapy and rehabilitation
Inpatient rehabilitation only, following a covered hospitalization
• 100% insured must be confined to facility immediately
Outpatient, following a covered hospitalization
• 100% up to 60 visits, all therapies combined
• 100% insured must be confined to facility immediately
Outpatient, following a covered hospitalization
• 100% up to 60 visits, all therapies combined
Specialized treatments
Occupational therapist
• 100% if medically necessary and as a result of a medical condition covered by the policy, only as inpatient
• 100% if medically necessary and as a result of a medical condition covered by the policy, only as inpatient
Congenital conditions diagnosed before age 18
N/A
Congenital conditions diagnosed after age 18
N/A
HIV-AIDS
US$15,000 per lifetime, if admitted immediately as an inpatient, after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
Mental health prescription medication
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
Maternity Benefits
Maternity
N/A
Maternity and birth complications
N/A
Inclusion of the newborn
N/A
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
N/A
Pre-natal and post-natal care
N/A
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% if admitted immediately as an inpatient
Emergency transportation by air ambulance
US$50,000 per event, if admitted immediately as an inpatient
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$2,000 per person for economy class tickets, within 90 days of the occurrence, included in the emergency transportation by air ambulance
Repatriation of mortal remains
US$10,000
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
N/A
Injuries during the training or practice of professional sports
N/A
Emergency dental coverage
100% for treatment within the first 180 days of the covered accident
Reconstructive surgery after an accident or illness
100% if medically necessary and as a result of a medical condition covered by the policy
Refractive eye surgery
N/A
Palliative care for terminal cases
100%
Temporary coverage for accidents while application is being underwritten
100% for accidents or infectious diseases
Free extended coverage for eligible dependents after policyholder’s death
N/A
Free coverage for dependents
N/A
Elimination/reduction of deductible for no claims made or not having met the deductible
N/A
Deductible elimination
Elimination of deductible on the first hospitalization, for 24 hours or more, in case of serious accident
Second medical opinion
Included
Prosthetic limbs
• US$30,000 per policy year
• US$120,000 per lifetime
• US$120,000 per lifetime
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
100%
Term life insurance
N/A
Declared pre-existing conditions
Covered when disclosed in the application, benefit will be previously evaluated
Catastrophic and chronic illnesses that survive the contracting of the service
N/A
Catastrophic and unusual conditions
N/A
Medical emergency
100% and at emergency centers in the U.S. a US$50 co-payment applies if the deductible has not been met
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
N/A
Travel assistance
N/A
Hospital cash benefit
N/A
Optional additional benefits
Evacuation to country of choice, country of residence or home country
N/A
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A