GBG Global Choice Plus
Type of plan
Global Choice Plus
Cobertura máxima por asegurado
US$2,000,000 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% through the preferred network of providers, applies a 10% coinsurance for all services up to US$2,000
• Outside the preferred provider network coverage will be at 70%
• Outside the preferred provider network coverage will be at 70%
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
• US$100 per night, up to 10 nights
• US$100 per night, up to 10 nights
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
Following a physician or specialist visit
• US$4,000
• 100% up to 6 months
Following a physician or specialist visit
• US$4,000
Terapias complementarias
N/A
Cuidados de enfermero(a) en el hogar
US$4,000
Chequeo médico preventivo
No deductible applies, after a 10-month waiting period
All options
• 100% from 0 to 6 months old, up to 3 visits, including vaccines and medical exams
No deductible applies
All options
• US$100 from 6 months and older
All options
• 100% from 0 to 6 months old, up to 3 visits, including vaccines and medical exams
No deductible applies
All options
• US$100 from 6 months and older
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$10,000 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$250,000 per lifetime
• Increase of up to US$750,000 lifetime (optional rider) including US$40,000 for living donor benefits
• US$250,000 per lifetime
• Increase of up to US$750,000 lifetime (optional rider) including US$40,000 for living donor benefits
Beneficios para el donante vivo
Included in organ and tissue transplant benefit up to US$40,000
Equipo médico durable
US$6,000
Tratamiento de alergias
N/A
Terapia física y de rehabilitación
Inpatient
• US$6,000
Outpatient
• 100% up to 40 visits, all therapies combined
• US$6,000
Outpatient
• 100% up to 40 visits, all therapies combined
Tratamientos especializados
N/A
Condiciones congénitas diagnosticadas antes de los 18 años
US$250,000 per lifetime
Condiciones congénitas diagnosticadas después de los 18 años
US$750,000
VIH-SIDA
US$15,000 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 I, II, III & IV, including circumcision
• US$3,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$4,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Options I, II, III & IV, including circumcision
• US$3,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$4,500 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 I, II, III & IV
• US$75,000 vitalicio
After a 10-month waiting period
Options I, II, III & IV
• US$500,000 for all pregnancies combined, per lifetime (with optional rider)
Options I, II, III & IV
• US$75,000 vitalicio
After a 10-month waiting period
Options I, II, III & IV
• US$500,000 for all pregnancies combined, per lifetime (with optional rider)
Inclusión del recién nacido
Options I, II, 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
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$75,000 with no limit specified, provided that the newborn is added to the policy within these 90 days
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$75,000 with no limit specified, provided that the newborn is added to the policy within these 90 days
Atención prenatal y postnatal
Options I, II, III & IV
• Included in the maternity benefit up to US$3,500 if only the mother is covered and US$4,500 if both parents are covered
• Included in the maternity benefit up to US$3,500 if only the mother is covered and US$4,500 if both parents are covered
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100%
Transportación de emergencia por ambulancia aérea
US$30,000 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
US$10,000
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 120 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$10,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
• US$10,000 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 I, 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
• 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
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$30,000 per policy year
• US$120,000 per lifetime
• US$120,000 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