GBG Global Superior
Type of plan
Global Superior
Cobertura máxima por asegurado
US$10,000,000 per policy year
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% without restrictions of doctors and hospitals
Beneficios hospitalarios
Habitación hospitalaria privada estándar
100%
Private duty nursing
• 100%
Private duty nursing
• 100%
Beneficio especial para suite
US$3,000 per day within the preferred network
Unidad de cuidados intensivos
100%
Acompañante adulto durante una hospitalización
Related to a hospitalization of an insured
• US$5,000
• US$50 per day, max. of 10 days for guest meals
• US$5,000
• US$50 per day, max. of 10 days for guest meals
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
100%
Terapias complementarias
Occupational therapy, chiropractor, podiatrist, psychiatrist/psychologist, speech therapy, homeopathy and/or acupuncture
• 100% up to 80 visits, all therapies combined
Nutritionist
• 100% up to 5 visits
• 100% up to 80 visits, all therapies combined
Nutritionist
• 100% up to 5 visits
Cuidados de enfermero(a) en el hogar
100%
Chequeo médico preventivo
No deductible applies, after a 10-month waiting period
Options II & III
• 100% from 0 to 6 months old, up to 7 visits, including vaccines and medical exams
All options
• US$900 from 6 months and older, including nutritionist visits
HPV (treatment and vaccine)
• US$7,500 per lifetime
Options II & III
• 100% from 0 to 6 months old, up to 7 visits, including vaccines and medical exams
All options
• US$900 from 6 months and older, including nutritionist visits
HPV (treatment and vaccine)
• US$7,500 per lifetime
Aparatos auditivos
N/A
Enfermedad de Alzheimer
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
Autismo
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
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$35,000 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% for prosthetics, implants, orthopedic devices and appliances, and highly specialized drugs
Trasplante de órganos y tejidos
Per organ/tissue
• US$2,000,000 per lifetime
• US$2,000,000 per lifetime
Beneficios para el donante vivo
US$80,000 per lifetime, included in the organ transplant benefit
Equipo médico durable
100%
Tratamiento de alergias
N/A
Terapia física y de rehabilitación
100%
Tratamientos especializados
Occupational therapy
• Included in the complementary therapies benefit at 100% up to 80 visits
• Included in the complementary therapies benefit at 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
US$50,000 per lifetime, 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 at 100% up to 80 visits
Medicamentos prescritos para la salud mental
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
Beneficios de maternidad
Maternidad
No deductible applies, after a 10-month waiting period
Options II & III, including circumcision
• US$12,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$17,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Options II & III, including circumcision
• US$12,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$17,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Complicaciones de la maternidad y del recién nacido
No deductible applies, after a 10-month waiting period
Options II & III
• US$10,000,000 per lifetime
Options IV, V & VI
• US$500,000 per lifetime (with optional rider)
Options II & III
• US$10,000,000 per lifetime
Options IV, V & VI
• US$500,000 per lifetime (with optional rider)
Inclusión del recién nacido
Options II & III
• 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
Options II & III
• US$2,000 per lifetime
• US$2,000 per lifetime
Tratamiento de fertilidad
After a 24-month waiting period
• US$5,000 per lifetime
• US$5,000 per lifetime
Unidad de Cuidados Intensivos Neonatales (UCIN)
No deductible applies
Options II & III
Provisional coverage for the newborn
• US$50,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Options II & III
Provisional coverage for the newborn
• US$50,000 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 II & III
• Included in the maternity benefit up to US$12,500 if only the mother is covered and US$17,500 if both parents are covered
• Included in the maternity benefit up to US$12,500 if only the mother is covered and US$17,500 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
100%
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
Included in the benefit for injuries during training or practice of professional sports at 100% except dangerous sports and/or activities
Lesiones durante el entrenamiento o la práctica de deportes profesionales
100% for a wide range of activities and sports, including professional sports, provided that such activity or sport is not a hazardous activity
Cobertura dental de emergencia
100% for treatment within the first 365 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$35,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
• US$35,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
Cirugía refractiva
US$600 per lifetime
Cuidados paliativos en casos terminales
100%
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
N/A
Eliminación/reducción del deducible por no presentar reclamos o no haber alcanzado el deducible
Options II, III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims and no change in policy deductible, excluding preventive health checkup, deductible must not be higher than US$5,000
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims and no change in policy deductible, excluding preventive health checkup, deductible must not be higher than US$5,000
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
• US$50,000 per policy year
• US$200,000 per lifetime
• US$200,000 per lifetime
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
Exclusions to this benefit are mentioned in the corresponding section, but the specific benefit is not mentioned in the rest of the policy
Condiciones preexistentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
N/A
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