GBG Global 360 Health
Type of plan
Global 360 Health
Cobertura máxima por asegurado
Unlimited
Edad límite para solicitar cobertura
75
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 preferred provider network
• Outside the preferred provider network coverage will be at 80%
• Outside the preferred provider network coverage will be at 80%
Beneficios hospitalarios
Habitación hospitalaria privada estándar
100% up to the coverage limit
Private duty nursing
• 100% up to 100 days
Private duty nursing
• 100% up to 100 days
Beneficio especial para suite
US$2,000 per day within the preferred provider network
Unidad de cuidados intensivos
100% up to the coverage limit
Acompañante adulto durante una hospitalización
Related to a hospitalization of an insured
• US$300 per night, up to US$3,000
• US$300 per night, up to US$3,000
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
100%
Beneficios ambulatorios
Sala de emergencia
100%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
N/A
Medicamentos prescritos
Following a hospitalization or outpatient surgery
• 100% up to 6 months, US$3,000 after this period per policy year
Following a physician or specialist visit
• US$2,500
• 100% up to 6 months, US$3,000 after this period per policy year
Following a physician or specialist visit
• US$2,500
Terapias complementarias
Outpatient mental health
• 100% up to 50 visits
Therapeutic services: homeopath, acupuncture, chiropractic, physical therapy, vocational therapy, occupational therapy and speech therapy
• 100% up to 80 visits
• 100% up to 50 visits
Therapeutic services: homeopath, acupuncture, chiropractic, physical therapy, vocational therapy, occupational therapy and speech therapy
• 100% up to 80 visits
Cuidados de enfermero(a) en el hogar
100% up to 100 days
Chequeo médico preventivo
No deductible applies
All options
• 100% from 0 to 6 months old, up to 5 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older
HPV (treatment and vaccine)
• US$5,000 per lifetime
All options
• 100% from 0 to 6 months old, up to 5 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older
HPV (treatment and vaccine)
• US$5,000 per lifetime
Aparatos auditivos
N/A
Enfermedad de Alzheimer
Included in the complementary therapy benefit of 100% up to 50 visits
Autismo
Included in the complementary therapy benefit of 100% up to 50 visits
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 for gynecological cancer only (mastectomy and/or oophorectomy), BRCA testing and breast reconstruction
Prótesis y medios correctivos implantados durante una cirugía
100%
Trasplante de órganos y tejidos
Per organ/tissue
• US$750,000 per lifetime
• US$750,000 per lifetime
Beneficios para el donante vivo
Included in the organ transplant benefit, no limit specified
Equipo médico durable
100%
Tratamiento de alergias
N/A
Terapia física y de rehabilitación
Inpatient
• 100%
Outpatient
• Included in the complementary therapy benefit of 100% up to 80 visits
• 100%
Outpatient
• Included in the complementary therapy benefit of 100% up to 80 visits
Tratamientos especializados
Occupational and speech therapist
• Included in the complementary therapy benefit of 100% up to 80 visits
• Included in the complementary therapy benefit of 100% up to 80 visits
Condiciones congénitas diagnosticadas antes de los 18 años
100%
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
100% after a 24-month waiting period
Tratamiento quirúrgico de trastornos sintomáticos de los pies
100% after a 24-month waiting period, especifically for Hallux Valgus
Psicología
Included in the complementary therapy benefit of 100% up to 50 visits
Medicamentos prescritos para la salud mental
Included in the complementary therapy benefit of 100% up to 50 visits
Beneficios de maternidad
Maternidad
After a 10-month waiting period, only in options III & IV
No deductible applies in option III and with deductible in option IV
• US$10,000 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$15,000 per pregnancy for normal or cesarean delivery, if both parents are covered
No deductible applies in option III and with deductible in option IV
• US$10,000 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$15,000 per pregnancy for normal or cesarean delivery, if both parents are covered
Complicaciones de la maternidad y del recién nacido
After a 10-month waiting period
No deductible applies in option III and with deductible in option IV
• 100%
Options V & VI
• US$500,000 per lifetime after deductible, for all pregnancies combined (with optional rider)
No deductible applies in option III and with deductible in option IV
• 100%
Options V & VI
• US$500,000 per lifetime after deductible, for all pregnancies combined (with optional rider)
Inclusión del recién nacido
Options III & IV
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Extracción y almacenamiento de células madres
N/A
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
No deductible applies in option III and with deductible in option IV
Provisional coverage for the newborn
• US$5,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Provisional coverage for the newborn
• US$5,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Atención prenatal y postnatal
Options III & IV
• Included in the maternity benefit up to US$10,000 if only the mother is covered and US$15,000 if both parents are covered
• Included in the maternity benefit up to US$10,000 if only the mother is covered and US$15,000 if both parents are covered
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100%
Transportación de emergencia por ambulancia aérea
100% no deductible applies
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
US$2,000 per person for economy class tickets, within 90 days of the occurrence, included in the emergency transportation by air ambulance
Repatriación de restos mortales
US$20,000
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
N/A
Lesiones durante el entrenamiento o la práctica de deportes profesionales
N/A
Cobertura dental de emergencia
100% for treatment within the first 180 days of the covered accident
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
• 100% for nose and nasal septum deformity, if medically necessary and as a result of a medical condition covered by the policy
• US$30,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
• US$30,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
100% up to 240 days
Cobertura provisional para accidentes mientras se procesa la solicitud
100% for accidents or infectious diseases
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
2 years if occurs from a covered event
Cobertura gratuita para dependientes
Options III & IV, up to 5 years old for children born from a covered maternity
Eliminación/reducción del deducible por no presentar reclamos o no haber alcanzado el deducible
N/A
Eliminación del deducible
Elimination of deductible on the first hospitalization, for 24 hours or more, in case of serious accident
Segunda opinión médica
Included
Prótesis externas
100%
Tratamiento dental mayor o de rutina
N/A
Reembolso por viaje para tratamientos en la red de centros de excelencia de Latinoamérica
N/A
Guerra y terrorismo
100%
Seguro de vida a término
N/A
Condiciones preexistentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
US$2,500 per lifetime, per person
Condiciones catastróficas y raras
N/A
Emergencia médica
100% and at emergency centers in the U.S. a US$50 co-payment applies if the deductible has not been met
Enfermedad o lesión en aeronave privada
N/A
Tratamientos anticonceptivos
N/A
Servicios de consultoría para pacientes
N/A
Asistencia de viaje
US$5,000 by reimbursement, for emergencies as result of accidents or diseases, this benefit only applies if the insured receives medical services in an emergency room or an intensive care unit as result of an emergency
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