Now Health International WorldCare Essential
Type of plan
WorldCare Essential
Cobertura máxima por asegurado
US$3,000,000
Edad límite para solicitar cobertura
Not specified
Período de espera
Not specified
Cobertura fuera de Estados Unidos
Africa restriction, optional coverage
Cobertura dentro de Estados Unidos
USA elective treatment, optional coverage
Beneficios hospitalarios
Habitación hospitalaria privada estándar
Full refund
Related ancillary charges
• US$1,500
Related ancillary charges
• US$1,500
Beneficio especial para suite
N/A
Unidad de cuidados intensivos
Full refund
Acompañante adulto durante una hospitalización
Parent Accommodation
• Full refund
• Full refund
Medicamentos prescritos durante una hospitalización
Full refund
Tratamientos psiquiátricos
Full refund for up to 30 days
Beneficios ambulatorios
Sala de emergencia
Emergency non-elective treatment USA cover
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
Visitas de médicos y especialistas
Outpatient optional coverage, option I
• US$5,000 for outpatient charges such as medical practicioners and teleconsultations
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option II
• US$5,000 for outpatient charges such as medical practicioners, teleconsultations and maintenance of chronic conditions
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option III
• US$300 for emergency outpatient benefit
• US$3,500 for pre and post-operative outpatient Charges such as medical practitioner fees, teleconsultation and physiotherapy
• US$5,000 for outpatient charges such as medical practicioners and teleconsultations
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option II
• US$5,000 for outpatient charges such as medical practicioners, teleconsultations and maintenance of chronic conditions
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option III
• US$300 for emergency outpatient benefit
• US$3,500 for pre and post-operative outpatient Charges such as medical practitioner fees, teleconsultation and physiotherapy
Visitas de médicos y especialistas en el hogar
N/A
Medicamentos prescritos
Included in the outpatient optional coverage options
Optional coverage
• 10% coinsurance outpatient treatment
• 20% coinsurance outpatient treatment
Optional coverage
• 10% coinsurance outpatient treatment
• 20% coinsurance outpatient treatment
Terapias complementarias
Included in the outpatient optional coverage options
Cuidados de enfermero(a) en el hogar
US$100, up to 30 days per medical condition
Chequeo médico preventivo
N/A
Aparatos auditivos
N/A
Enfermedad de Alzheimer
Included in the outpatient optional coverage options
Autismo
Included in the outpatient optional coverage options
Cirugía ambulatoria
Full refund
Terapia de reemplazo hormonal para aliviar los síntomas de la menopausia
Full refund
Beneficios generales
Honorarios del cirujano y del anestesiólogo
Full refund
Servicios de estudios diagnósticos
Full refund
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
Full refund
Diálisis
Treatment of renal failure, including renal dialysis on an inpatient basis
• Full refund
Treatment of renal failure, including renal dialysis on an a day-patient or outpatient basis
• US$50,000
• Full refund
Treatment of renal failure, including renal dialysis on an a day-patient or outpatient basis
• US$50,000
Cirugía de reducción de riesgo de cáncer o cirugía profiláctica
Not specified
Prótesis y medios correctivos implantados durante una cirugía
N/A
Trasplante de órganos y tejidos
Full refund
Beneficios para el donante vivo
US$50,000 included in the organ transplant benefit
Equipo médico durable
Not specified
Tratamiento de alergias
N/A
Terapia física y de rehabilitación
Rehabilitation
• Full refund for eligible inpatient treatment, up to 30 days per medical condition
Outpatient physiotherapy by a registered physiotherapist
• Full refund up to 5 sessions within 30 days after hospitalization
Included in the outpatient optional coverage options, replacing the benefits above
• Full refund for eligible inpatient treatment, up to 30 days per medical condition
Outpatient physiotherapy by a registered physiotherapist
• Full refund up to 5 sessions within 30 days after hospitalization
Included in the outpatient optional coverage options, replacing the benefits above
Tratamientos especializados
Included in the outpatient optional coverage options
Condiciones congénitas diagnosticadas antes de los 18 años
US$100,000
Condiciones congénitas diagnosticadas después de los 18 años
US$100,000
VIH-SIDA
US$25,000 for inpatient and day-patient treatment, after a 36-month waiting period
Tratamiento quirúrgico de trastornos sintomáticos de los pies
N/A
Psicología
Not specified
Medicamentos prescritos para la salud mental
Included in the inpatient psychiatric treatment benefit, full refund for up to 30 days
Beneficios de maternidad
Maternidad
N/A
Complicaciones de la maternidad y del recién nacido
Full refund
Inclusión del recién nacido
Not specified
Extracción y almacenamiento de células madres
N/A
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
N/A
Atención prenatal y postnatal
Post-natal care
• US$100,000 newborn Cover
• Full refund for hospital accommodation for newborn
accompanying their mother
• US$100,000 newborn Cover
• Full refund for hospital accommodation for newborn
accompanying their mother
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
Full refund
Transportación de emergencia por ambulancia aérea
Full refund
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
Included in the evacuation and repatriation benefit, full refund
Repatriación de restos mortales
US$10,000
Evacuation and repatriation
• Full refund for transportation costs
• Full refund local travel costs to and from medical appointments
• Full refund for reasonable travel costs for a locally - accompanying person
• US$200 per day, up to US$7,500 per person,
per evacuation, for non-hospital accommodation costs
Extended evacuation and repatriation optional coverage, no details specified
Evacuation and repatriation
• Full refund for transportation costs
• Full refund local travel costs to and from medical appointments
• Full refund for reasonable travel costs for a locally - accompanying person
• US$200 per day, up to US$7,500 per person,
per evacuation, for non-hospital accommodation costs
Extended evacuation and repatriation optional coverage, no details specified
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
Full refund if inpatient
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
Full refund
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
Terminal Illness
• US$50,000 for inpatient and day-patient treatment
• US$50,000 for inpatient and day-patient treatment
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
Not specified
Eliminación del deducible
Not specified
Segunda opinión médica
Not included, unless agreed by us in writing as part of the added value Interconsultation service
Prótesis externas
N/A
Tratamiento dental mayor o de rutina
Routine dental treatment
• US$250
Complex dental treatment, after a 9-month waiting period
• US$1,000 a co-insurance of 20% applies
• US$250
Complex dental treatment, after a 9-month waiting period
• US$1,000 a co-insurance of 20% applies
Reembolso por viaje para tratamientos en la red de centros de excelencia de Latinoamérica
N/A
Guerra y terrorismo
N/A
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
Optional coverage
• US$5,000
• US$5,000
Condiciones catastróficas y raras
N/A
Emergencia médica
Emergency non-elective treatment USA cover
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
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
US$125
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