GBG Global Freedom Plus
Type of plan
Global Freedom Plus
Cobertura máxima por asegurado
US$7,000,000 per policy year
Edad límite para solicitar cobertura
75
Período de espera
Not specified
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$2,000 per day within the preferred provider network
Unidad de cuidados intensivos
100%
Acompañante adulto durante una hospitalización
Related to a hospitalization of an insured
• US$3,000
• 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
100%
Terapias complementarias
Occupational therapy, osteopath, chiropractor, psychiatrist, speech therapy and/or homeopathy
• 100% up to 20 visits, all therapies combined
• 100% up to 20 visits, all therapies combined
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 6 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older, including nutritionist visits
Options II & III
• 100% from 0 to 6 months old, up to 6 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older, including nutritionist visits
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$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% for prosthetics, implants, orthopedic devices and appliances, and highly specialized drugs
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$60,000 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 20 visits
• Included in the complementary therapies benefit at 100% up to 20 visits
Condiciones congénitas diagnosticadas antes de los 18 años
US$1,000,000 per lifetime
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
US$25,000 per lifetime, after a 24-month waiting period
Tratamiento quirúrgico de trastornos sintomáticos de los pies
N/A
Psicología
N/A
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$8,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$12,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Options II & III, including circumcision
• US$8,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$12,500 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$1,000,000 per lifetime
Options IV, V & VI
• US$500,000 per lifetime (with optional rider)
Options II & III
• US$1,000,000 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$1,000 per lifetime
• US$1,000 per lifetime
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
No deductible applies
Options II & III
Provisional coverage for the newborn
• US$30,000 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$30,000 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$8,500 if only the mother is covered and US$12,500 if both parents are covered
• Included in the maternity benefit up to US$8,500 if only the mother is covered and US$12,500 if both parents are covered
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100%
Transportación de emergencia por ambulancia aérea
US$125,000 per event, 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)
Not specified
Lesiones durante el entrenamiento o la práctica de deportes profesionales
US$300,000
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$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%
Cobertura provisional para accidentes mientras se procesa la solicitud
N/A
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
N/A
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$40,000 per policy year
• US$150,000 per lifetime
• US$150,000 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
• US$125,000 per policy year
• US$500,000 per family
• US$500,000 per family
Seguro de vida a término
N/A
Condiciones preexistentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated and subject to a 12-month waiting period
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
N/A
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