Worldwide Medical Exclusive International
Type of plan
Exclusive International
Maximum coverage per insured
• US$2,000,000 per policy year
• US$1,000,000 per policy year, age 75 and older
• Coinsurance of 30% of first US$25,000 with out-of-network pre-certification
• US$1,000,000 per policy year, age 75 and older
• Coinsurance of 30% of first US$25,000 with out-of-network pre-certification
Age limit to apply
N/A
Waiting period
Not specified
Coverage outside USA
No deductible in country of residence
• 100% exclusively within the preferred provider network
• 100% exclusively within the preferred provider network
Coverage inside USA
100% exclusively within the preferred provider network
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
N/A
Prescribed medications while hospitalized
100% up to the coverage limit
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100% up to the coverage limit
Physician and specialist visits
Exclusive overseas benefit
• 100% up to the coverage limit
• 100% up to the coverage limit
Physician and specialist home visits
N/A
Prescribed medications
Exclusive overseas benefit
After a hospitalizatión or outpatient surgery
• US$2,000
Following a physician or specialist visit
• US$500 with 10% coinsurance
After a hospitalizatión or outpatient surgery
• US$2,000
Following a physician or specialist visit
• US$500 with 10% coinsurance
Complementary therapy
N/A
Nurse care at home
N/A
Preventive health checkup
N/A
Hearing aids
N/A
Alzheimer’s disease
N/A
Autism
N/A
Outpatient surgery
Exclusive overseas benefit
• 100% up to the coverage limit
• 100% up to the coverage limit
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100% up to the coverage limit
Diagnostic study services
Exclusive overseas benefit
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100% up to the coverage limit
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100% up to the coverage limit
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100% up to the coverage limit
Dialysis
Exclusive overseas benefit
• US$75,000
• US$75,000
Prophylactic surgery to reduce the risk of cancer
N/A
Prostheses and medical appliances implanted during surgery
Exclusive overseas benefit
• 100%
• 100%
Organ and tissue transplant
Exclusive overseas benefit
• US$400,000
• US$400,000
Benefits for live donors
US$30,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
N/A
Allergy treatments
N/A
Physical therapy and rehabilitation
Exclusive overseas benefit
• 100%
• 100%
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
Exclusive overseas benefit
• US$100,000
• US$100,000
Congenital conditions diagnosed after age 18
Included in the congenital conditions diagnosed before age 18 up to US$100,000
HIV-AIDS
Exclusive overseas benefit
• US$15,000 per lifetime
• US$15,000 per lifetime
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
Exclusive overseas benefit
• US$5,000 per pregnancy, for normal or c-section
• US$5,000 per pregnancy, for normal or c-section
Maternity and birth complications
Exclusive overseas benefit
• US$500,000 per lifetime
• US$500,000 per lifetime
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)
Newborn coverage benefit, exclusive abroad
• US$15,000 during the first 90 days after birth
• US$15,000 during the first 90 days after birth
Pre-natal and post-natal care
N/A
Medical Evacuation Benefits
Emergency transportation by ground ambulance
Exclusive overseas benefit
• 100%
• 100%
Emergency transportation by air ambulance
Exclusive overseas benefit
• US$25,000
• US$25,000
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
Exclusive overseas benefit
• US$10,000
• 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
N/A
Reconstructive surgery after an accident or illness
N/A
Refractive eye surgery
N/A
Palliative care for terminal cases
N/A
Temporary coverage for accidents while application is being underwritten
N/A
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
N/A
Second medical opinion
Exclusive overseas benefit
• Included
• Included
Prosthetic limbs
N/A
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
Beneficio de vida
• US$10.000
Monthly income, for incapacity due to illness or accident for up to 24 months
• US$1,000 after a 90-day waiting period
• US$10.000
Monthly income, for incapacity due to illness or accident for up to 24 months
• US$1,000 after a 90-day waiting period
Declared pre-existing conditions
Not specified
Catastrophic and chronic illnesses that survive the contracting of the service
N/A
Catastrophic and unusual conditions
N/A
Medical emergency
100% up to the coverage limit
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
N/A
Travel assistance
Exclusive overseas benefit
• Included, no amount specified
• Included, no amount specified
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