GBG Global 360 Critical Illness

Type of plan
Global 360 Critical Illness
Maximum coverage per insured
• US$1,000,000 up to 60 years old, per lifetime
• US$250,000 from 60 to 75 years old, per lifetime
For all benefits described only apply to the medical conditions specified below:
• Stroke
• Coronary artery by-pass surgery
• Cancer
• Polytrauma
• Kidney failure
• Major organ transplant
• Heart attack
Age limit to apply
60
Waiting period
90 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
100% only through the preferred provider network
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit, for covered conditions
Special benefit for suite
N/A
Intensive care unit
100% up to the coverage limit, for covered conditions
Adult companion accommodation during a hospitalization
N/A
Prescribed medications while hospitalized
100% for covered conditions
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100% for covered conditions
Physician and specialist visits
100% up to 90 days following a covered event
Physician and specialist home visits
100% for covered conditions
Prescribed medications
100% up to 90 days following a covered event
Complementary therapy
Physical therapy, occupational therapist, acupuncture, homeopath and/or speech therapist
• 100% up to 80 visits, for covered conditions
Nurse care at home
100% up to 100 days
Preventive health checkup
N/A
Hearing aids
N/A
Alzheimer’s disease
N/A
Autism
N/A
Outpatient surgery
100% for covered conditions
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100% for covered conditions
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100% for covered conditions
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100% for covered conditions
Dialysis
100% for covered conditions
Prophylactic surgery to reduce the risk of cancer
N/A
Prostheses and medical appliances implanted during surgery
100% for covered conditions, pre-authorization required
Organ and tissue transplant
100% for covered conditions
Benefits for live donors
100% for covered conditions, included in the organ transplant benefit
Durable medical equipment
100% for covered conditions
Allergy treatments
N/A
Physical therapy and rehabilitation
Inpatient
• 100%
Outpatient
• Included in the complementary therapy benefit
Specialized treatments
Occupational therapist
• Included in the complementary therapy benefit
Congenital conditions diagnosed before age 18
N/A
Congenital conditions diagnosed after age 18
N/A
HIV-AIDS
N/A
Surgical treatment of symptomatic foot disorders
N/A
Bariatric surgery
N/A
Psychology
N/A
Mental health prescription medication
N/A
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% for covered conditions, no deductible applies
Emergency transportation by air ambulance
100% pre-authorization is required
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$2,000 for economy class tickets, within 90 days of the occurrence
Repatriation of mortal remains
US$20,000 per lifetime
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
100% up of 240 days, following a covered event
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
Included
Prosthetic limbs
100% pre-authorization is required
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
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%
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