Best Doctors Premier Care
Type of plan
Premier Care
Cobertura máxima por asegurado
US$7,000,000 per policy year
Edad límite para solicitar cobertura
74
Período de espera
30 days
Cobertura fuera de Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro de Estados Unidos
• 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
Beneficios hospitalarios
Habitación hospitalaria privada estándar
100% up to the coverage limit
Beneficio especial para suite
N/A
Unidad de cuidados intensivos
100% up to the coverage limit
Acompañante adulto durante una hospitalización
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
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
Included in the specialized treatments benefit up to US$5.000
Beneficios ambulatorios
Sala de emergencia
100%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
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
Medicamentos prescritos
100%
Terapias complementarias
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
Cuidados de enfermero(a) en el hogar
100%
Chequeo médico preventivo
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
Aparatos auditivos
N/A
Enfermedad de Alzheimer
100%
Autismo
Included in the specialized treatments benefit up to US$5.000
Cirugía ambulatoria
100%
Terapia de reemplazo hormonal para aliviar los síntomas de la menopausia
N/A
Beneficios generales
Honorarios del cirujano y del anestesiólogo
100%
Servicios de estudios diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
100%
Diálisis
100%
Cirugía profiláctica para reducir el riesgo de cáncer
US$30,000 per lifetime, after a 12-month waiting period
Prótesis y medios correctivos implantados durante una cirugía
100%
Trasplante de órganos y tejidos
Per organ/tissue
• US$1,000,000 per lifetime
• US$1,000,000 per lifetime
Beneficios para el donante vivo
US$40,000 per lifetime, included in the organ transplant benefit
Equipo médico durable
100%
Tratamiento de alergias
100%
Terapia física y de rehabilitación
100%
Tratamientos especializados
Autism, psychiatrist, occupational therapist, sleep apnea and other sleep disorders
• US$5,000
• US$5,000
Condiciones congénitas diagnosticadas antes de los 18 años
100%
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
US$1,000,000 per lifetime, after a 24-month waiting period
Tratamiento quirúrgico de trastornos sintomáticos de los pies
100%
Psicología
N/A
Medicamentos prescritos para la salud mental
N/A
Beneficios de maternidad
Maternidad
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
Complicaciones de la maternidad y del recién nacido
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
Inclusión del recién nacido
Options I, II, III & IV
• Without underwriting if born from a covered maternity
• Without underwriting if born from a covered maternity
Extracción y almacenamiento de células madres
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
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
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
Atención prenatal y postnatal
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
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100% no deductible applies
Transportación de emergencia por ambulancia aérea
US$100,000 no deductible applies
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
N/A
Repatriación de restos mortales
US$50,000
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
100%
Lesiones durante el entrenamiento o la práctica de deportes profesionales
100%
Cobertura dental de emergencia
100%
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
100% if medically necessary and as a result of a medical condition covered by the policy
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
US$15,000
Cobertura provisional para accidentes mientras se procesa la solicitud
US$25,000
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
2 years if occurs from a covered event
Cobertura gratuita para dependientes
N/A
Eliminación/reducción del deducible por no presentar reclamos o no haber alcanzado el deducible
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
Eliminación del deducible
• 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
Segunda opinión médica
Included
Prótesis externas
Included in the durable medical equipment benefit of 100%
Tratamiento dental mayor o de rutina
N/A
Reembolso por viaje para tratamientos en la red de centros de excelencia de Latinoamérica
US$1,500 per event for one ticket in economy class
Guerra y terrorismo
N/A
Seguro de vida a término
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
Condiciones preexistentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated
Servicios de consultoría para pacientes
Best Doctors Concierge
Asistencia de viaje
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
Beneficio hospitalario en dinero en efectivo
N/A
Beneficios adicionales opcionales
Evacuación al país de elección, de residencia o domiciliar del asegurado
N/A
Evacuación que no sea de emergencia
N/A
Exoneración del período de espera para condiciones preexistentes
N/A