Best Doctors Premier Care
Type of plan
Premier Care
Maximum coverage per insured
US$7,000,000 per policy year
Age limit to apply
74
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
• 100% through the Premiercare
• Outside the Premiercare coverage will be at 60% with a maximum daily room rate of up to US$600 for a standard room and up to US$1,200 for intensive care
• Emergency medical treatment will be covered 100% up to the policy limits
• Outside the Premiercare coverage will be at 60% with a maximum daily room rate of up to US$600 for a standard room and up to US$1,200 for intensive care
• Emergency medical treatment will be covered 100% up to the policy limits
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit
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 under age 18
• US$300 per night, max. of 10 nights
• US$300 per night, max. of 10 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
Included in the specialized treatments benefit up to US$5.000
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Sólo disponible en Lima, Perú
• Coordinación directa de beneficios a través de convenio con Grupo Sanna considerando costos preferenciales, incluye descuentos en farmacias referidas
Sólo disponible en Lima, Perú
• Coordinación directa de beneficios a través de convenio con Grupo Sanna considerando costos preferenciales, incluye descuentos en farmacias referidas
Prescribed medications
100%
Complementary therapy
Acupuncture, hypnotism, therapeutic massages and reflexology
• US$200 all therapies combined, no deductible applies
Chiropractor, nutritionist, stop smoking therapy and/or sterilization procedure
• Included in the preventive health checkup benefit up to US$350 for options I, II, III & IV and US$200 for options V &VI
• US$200 all therapies combined, no deductible applies
Chiropractor, nutritionist, stop smoking therapy and/or sterilization procedure
• Included in the preventive health checkup benefit up to US$350 for options I, II, III & IV and US$200 for options V &VI
Nurse care at home
100%
Preventive health checkup
No deductible applies
Options I, II, III & IV
• US$350 from 18 years and older
• Colon cancer screening, US$1,200 from 50 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Options V & VI
• US$200 from 18 years and older
All options
Only available in Lima, Peru, no deductible applies
• Direct benefit coordination through lower cost executive medical check-up BD Well Care packages in these clinics: Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment available in the clinics and include diagnostic study services
Options I, II, III & IV
• US$350 from 18 years and older
• Colon cancer screening, US$1,200 from 50 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Options V & VI
• US$200 from 18 years and older
All options
Only available in Lima, Peru, no deductible applies
• Direct benefit coordination through lower cost executive medical check-up BD Well Care packages in these clinics: Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment available in the clinics and include diagnostic study services
Hearing aids
N/A
Alzheimer’s disease
100%
Autism
Included in the specialized treatments benefit up to US$5.000
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
• 100%
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
US$30,000 per lifetime, after a 12-month waiting period
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$1,000,000 per lifetime
• US$1,000,000 per lifetime
Benefits for live donors
US$40,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
100%
Allergy treatments
100%
Physical therapy and rehabilitation
100%
Specialized treatments
Autism, psychiatrist, occupational therapist, sleep apnea and other sleep disorders
• US$5,000
• US$5,000
Congenital conditions diagnosed before age 18
100%
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$1,000,000 per lifetime, after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
100%
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options I, II, III & IV
• US$8,500 per pregnancy
Only available in Lima, Peru
• Direct benefit coordination through lower cost maternity packages in these clinics: Clínica San Felipe, Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment and physicians available in the clinics
Options I, II, III & IV
• US$8,500 per pregnancy
Only available in Lima, Peru
• Direct benefit coordination through lower cost maternity packages in these clinics: Clínica San Felipe, Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment and physicians available in the clinics
Maternity and birth complications
No deductible applies, after a 10-month waiting period
Options I, II, III & IV
• US$125,000 per lifetime, up to six weeks
Options I, II, III & IV
• US$125,000 per lifetime, up to six weeks
Inclusion of the newborn
Options I, II, III & IV
• Without underwriting if born from a covered maternity
• Without underwriting if born from a covered maternity
Extraction and storage of umbilical cord blood stem cells
Options I, II, III & IV
• Included in the maternity benefit up to US$7,000
• Included in the maternity benefit up to US$7,000
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$125,000
• Included in the maternity and newborn complications benefit up to US$125,000
Pre-natal and post-natal care
Options I, II, III & IV
• Included in the maternity benefit up to US$7,000
• Included in the maternity benefit up to US$7,000
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
US$100,000 no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
US$50,000
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
100%
Injuries during the training or practice of professional sports
100%
Emergency dental coverage
100%
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
US$15,000
Temporary coverage for accidents while application is being underwritten
US$25,000
Free extended coverage for eligible dependents after policyholder’s death
2 years if occurs from a covered event
Free coverage for dependents
N/A
Elimination/reduction of deductible for no claims made or not having met the deductible
All options
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
Deductible elimination
• Elimination of deductible in the first hospitalization in case of a serious accident
• Elimination of deductible up to US$5,000 in case of an accident or emergency that occurs while the insured is traveling outside of his/her country of residence
• Elimination of deductible up to US$5,000 in case of an accident or emergency that occurs while the insured is traveling outside of his/her country of residence
Second medical opinion
Included
Prosthetic limbs
Included in the durable medical equipment benefit of 100%
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
US$1,500 per event for one ticket in economy class
War and terrorism
N/A
Term life insurance
Critical Select (optional rider)
• US$25,000 or US$50,000 for unexpected expenses such as payment of debts, travel or compensation for loss of income, in case of being diagnosed with a serious illness or a covered surgery should be performed
• US$25,000 or US$50,000 for unexpected expenses such as payment of debts, travel or compensation for loss of income, in case of being diagnosed with a serious illness or a covered surgery should be performed
Declared pre-existing conditions
Covered when disclosed in the application, benefit will be previously evaluated
Patient concierge services
Best Doctors Concierge
Travel assistance
Elimination of deductible up to US$5,000 in case of an accident or emergency that occurs while the insured is traveling outside of his/her country of residence
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