William Russell Bronze
Type of plan
Bronze
Cobertura máxima por asegurado
US$1,500,000 per policy year
Expat benefits at 100%*
• 24-hour medical assistance helpline
• Medevac Basic, medical emergency, life-threatening or limb-threatening condition that cannot be treated locally
• Medevac Plus, optional cover*
• Return airfare
• Travel expenses of a companion
• Accommodation expenses of a companion, up to US$75 per night*
• Compassionate home visit, after a 12-month waiting period*
• Repatriation of mortal remains
• Burial or cremation, up to US$1,600*
Expat benefits at 100%*
• 24-hour medical assistance helpline
• Medevac Basic, medical emergency, life-threatening or limb-threatening condition that cannot be treated locally
• Medevac Plus, optional cover*
• Return airfare
• Travel expenses of a companion
• Accommodation expenses of a companion, up to US$75 per night*
• Compassionate home visit, after a 12-month waiting period*
• Repatriation of mortal remains
• Burial or cremation, up to US$1,600*
Edad límite para solicitar cobertura
75
Período de espera
N/A
Specific waiting periods don't apply to businesses that choose medical history disregarded as their underwriting type, or businesses insuring 20+ employees
Specific waiting periods don't apply to businesses that choose medical history disregarded as their underwriting type, or businesses insuring 20+ employees
Cobertura fuera de Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro de Estados Unidos
100% without restrictions of doctors and hospitals
Beneficios hospitalarios
Habitación hospitalaria privada estándar
100%
Beneficio especial para suite
N/A
Unidad de cuidados intensivos
100%
Acompañante adulto durante una hospitalización
100% for parent accomodation
Accommodation expenses of a companion
• Included in the expat benefits up to US$75 per night
Accommodation expenses of a companion
• Included in the expat benefits up to US$75 per night
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
Mental health treatment
• US$50,000 per lifetime
Inpatient and day-patient mental health treatment
• Up to 30 days after a 12-month waiting period
Outpatient mental health treatment, after a 12-month waiting period
• Up to 10 consultations, for post-hospital treatment received within the 90-day period following the date you are discharged from hospital following in-patient or day-patient mental health treatment
Outpatient mental health medication, after a 12-month waiting period
• US$500 for medication prescribed within the 90-day period following the date you are discharged from hospital following in-patient or day-patient mental health treatment, subject to a 20% co-insurance
• US$50,000 per lifetime
Inpatient and day-patient mental health treatment
• Up to 30 days after a 12-month waiting period
Outpatient mental health treatment, after a 12-month waiting period
• Up to 10 consultations, for post-hospital treatment received within the 90-day period following the date you are discharged from hospital following in-patient or day-patient mental health treatment
Outpatient mental health medication, after a 12-month waiting period
• US$500 for medication prescribed within the 90-day period following the date you are discharged from hospital following in-patient or day-patient mental health treatment, subject to a 20% co-insurance
Beneficios ambulatorios
Sala de emergencia
Essential and immediate treatment necessary as the result of an accident, plus one follow-up appointment with a medical doctor
Visitas de médicos y especialistas
100% for post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Visitas de médicos y especialistas en el hogar
Not specified
Medicamentos prescritos
100% for post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Terapias complementarias
Up to 10 sessions for post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Cuidados de enfermero(a) en el hogar
US$5,000 per medical condition and per policy year
Chequeo médico preventivo
Cancer genome tests
• 100%
• 100%
Aparatos auditivos
Included in the medical aids benefit up to US$250
Enfermedad de Alzheimer
Included in the psychiatric treatments benefit up to 10 consultations and US$500 for prescribed medications, after a 12-month waiting period
Autismo
Included in the psychiatric treatments benefit up to 10 consultations and US$500 for prescribed medications, after a 12-month waiting period
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
Outpatient
• Not specified
Inpatient
• 100%
Outpatient
• Not specified
Inpatient
• 100%
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
100% including genome test
Wigs
• US$150 per lifetime
Counselling
• US$500 per lifetime
Dietitian
• US$100 per lifetime
Wigs
• US$150 per lifetime
Counselling
• US$500 per lifetime
Dietitian
• US$100 per lifetime
Diálisis
100%
Cirugía profiláctica para reducir el riesgo de cáncer
Not specified
Prótesis y medios correctivos implantados durante una cirugía
Included in the durable medical equipment benefit at 100%
Trasplante de órganos y tejidos
100%
Beneficios para el donante vivo
US$25,000 per transplant
Equipo médico durable
Medical aids
• US$250 per medical condition
Prosthetic implants
• 100%
Prosthetic devices
• US$500 per device
• US$250 per medical condition
Prosthetic implants
• 100%
Prosthetic devices
• US$500 per device
Tratamiento de alergias
Not specified
Terapia física y de rehabilitación
US$1,000 for post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Rehabilitation treatment
• US$2,000
Rehabilitation treatment
• US$2,000
Tratamientos especializados
N/A
Condiciones congénitas diagnosticadas antes de los 18 años
Inpatient, day-patient and post-hospital treatment received within the 90-day period following the date you are discharged from hospital
• US$50,000 per lifetime
• US$50,000 per lifetime
Condiciones congénitas diagnosticadas después de los 18 años
Included in the congenital conditions diagnosed before age 18 benefit up to US$50,000
VIH-SIDA
US$5,000 only for inpatient and day-patient treatment, after a 24-month waiting period
Tratamiento quirúrgico de trastornos sintomáticos de los pies
Not specified
Psicología
Included in the psychiatric treatments benefit up to 10 consultations, after a 12-month waiting period
Medicamentos prescritos para la salud mental
Included in the psychiatric treatments benefit up to US$500, after a 12-month waiting period
Beneficios de maternidad
Maternidad
N/A
Complicaciones de la maternidad y del recién nacido
US$4,800 after a 12-month waiting period
Inclusión del recién nacido
N/A
Extracción y almacenamiento de células madres
N/A
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
Included in the maternity and newborn complications benefit up to US$4,800
Atención prenatal y postnatal
N/A
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100% for local ambulance only
Transportación de emergencia por ambulancia aérea
Covered at 100% if the medevac plus optional coverage is selected
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
Included in the expat benefits at 100%
Repatriación de restos mortales
Included in the expat benefits at 100%
Burial or cremation
• US$1,600
Burial or cremation
• US$1,600
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
Not specified
Lesiones durante el entrenamiento o la práctica de deportes profesionales
Not specified
Cobertura dental de emergencia
• 100% for emergency restorative treatment that the insured receive as an inpatient
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
Inpatient, day-patient and post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Cirugía refractiva
Optical care, plans for businesses only
• US$200 including an annual eye test
• US$200 including an annual eye test
Cuidados paliativos en casos terminales
US$25,000 including costs for artificial life maintenance and persistent vegetative state and neurological damage
Cobertura provisional para accidentes mientras se procesa la solicitud
Not specified
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
Not specified
Cobertura gratuita para dependientes
Not specified
Eliminación/reducción del deducible por no presentar reclamos o no haber alcanzado el deducible
Not specified
Eliminación del deducible
Not specified
Segunda opinión médica
Not specified
Prótesis externas
Included in the prosthetic devices benefit up to US$500 per device
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
Not specified
Seguro de vida a término
Not specified
Condiciones preexistentes declaradas
Not specified
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
Acute flare-ups
• 100% for in-patient, day-patient, and post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Personal accident plan
• US$75,000 for cash lump-sum benefit if an accident results in the insured's death, loss of sight, loss of limb or their permanent and total disablement within 2 years of the accident
• 100% for in-patient, day-patient, and post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Personal accident plan
• US$75,000 for cash lump-sum benefit if an accident results in the insured's death, loss of sight, loss of limb or their permanent and total disablement within 2 years of the accident
Condiciones catastróficas y raras
Not specified
Emergencia médica
100%
Enfermedad o lesión en aeronave privada
Not specified
Tratamientos anticonceptivos
Not specified
Servicios de consultoría para pacientes
24-hour medical assistance helpline, included in the expat benefits at 100%
Asistencia de viaje
Not specified
Beneficio hospitalario en dinero en efectivo
US$150 per night
Beneficios adicionales opcionales
Evacuación al país de elección, de residencia o domiciliar del asegurado
Covered at 100% if the medevac plus optional coverage is selected
Evacuación que no sea de emergencia
Not specified
Exoneración del período de espera para condiciones preexistentes
Not specified