Bupa Ecuador Global Elite
Type of plan
Global Elite
Cobertura máxima por asegurado
US$7,000,000 per policy year
Edad límite para solicitar cobertura
Unlimited
Período de espera
• 30 days for outpatient treatment
• 90 days for inpatient treatment
• 90 days for inpatient treatment
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
Related to a hospitalization of an insured under age 18 or older than 75
• 100%
• US$8,000 for out-of-hospital lodging expenses, if the hospitalization lasts more than 5 days
• 100%
• US$8,000 for out-of-hospital lodging expenses, if the hospitalization lasts more than 5 days
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
Mental health during hospitalization
• 100%
• 100%
Beneficios ambulatorios
Sala de emergencia
100%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
Not specified
Medicamentos prescritos
Option I
• 80% up to US$5,000, a 20% coinsurance applies
• 100% after US$5,000
Options II, III, IV & V
• 100%
• 80% up to US$5,000, a 20% coinsurance applies
• 100% after US$5,000
Options II, III, IV & V
• 100%
Terapias complementarias
Consultations alternative medicine, naturopathy, homeopathy, Chinese medicine
• 100% up to 20 visits
Acupuncturists and reflexologists
• 100% up to 60 visits
• 100% up to 20 visits
Acupuncturists and reflexologists
• 100% up to 60 visits
Cuidados de enfermero(a) en el hogar
Home nursing for rehabilitation or palliative care
• US$300 per day, up to 60 days
Nurse practitioners as outpatient treatment
• 100% up to 60 days
• US$300 per day, up to 60 days
Nurse practitioners as outpatient treatment
• 100% up to 60 days
Chequeo médico preventivo
No deductible, after a 10-month waiting period
• US$1,600 for general health exam
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccines
• 80% up to US$1,600, no deductible applies
Preventive dental exam, after a 1-month waiting period
• 100% no deductible applies
Eye exam
• 100% no deductible applies
• US$1,600 for general health exam
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccines
• 80% up to US$1,600, no deductible applies
Preventive dental exam, after a 1-month waiting period
• 100% no deductible applies
Eye exam
• 100% no deductible applies
Aparatos auditivos
80%
Enfermedad de Alzheimer
US$50,000 per lifetime, including medications
Autismo
US$30,000 including medications
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 de reducción de riesgo de cáncer o cirugía profiláctica
Preventive surgery
• 100%
• 100%
Prótesis y medios correctivos implantados durante una cirugía
100%
Trasplante de órganos y tejidos
Per organ/tissue
• US$1,500,000 per lifetime
• US$1,500,000 per lifetime
Beneficios para el donante vivo
Included in the organ transplant benefit up to US$1,500,000
Equipo médico durable
100%
Eyeglasses and contact lenses
• 80% up to US$2,000
Eyeglasses and contact lenses
• 80% up to US$2,000
Tratamiento de alergias
N/A
Terapia física y de rehabilitación
Multidisciplinary rehabilitation
• 100% up to 90 days
• 100% up to 90 days
Tratamientos especializados
Inpatient
• Physiotherapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%.
Outpatient
• Physiotherapy, osteopathy and chiropractors, 100% up to 60 visits
• Occupational therapist and orthoptist, 100% up to 60 visits
• Nutritional counseling, 100% up to 4 visits
• Physiotherapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%.
Outpatient
• Physiotherapy, osteopathy and chiropractors, 100% up to 60 visits
• Occupational therapist and orthoptist, 100% up to 60 visits
• Nutritional counseling, 100% up to 4 visits
Condiciones congénitas diagnosticadas antes de los 18 años
US$2,000,000 per lifetime
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
US$1,000,000 per lifetime, after a 3-month waiting period for inpatient procedures and 1-month waiting period for outpatient procedures
Tratamiento quirúrgico de trastornos sintomáticos de los pies
100% up to 60 days
Psicología
Mental health
• 100% up to 60 visits
• 100% up to 60 visits
Medicamentos prescritos para la salud mental
N/A
Beneficios de maternidad
Maternidad
No deductible applies, after a 60-day waiting period
Options I & II
• US$15,000 per pregnancy for normal or cesarean delivery
• US$15,000 per pregnancy, medically necessary c-section
Options I & II
• US$15,000 per pregnancy for normal or cesarean delivery
• US$15,000 per pregnancy, medically necessary c-section
Complicaciones de la maternidad y del recién nacido
No deductible applies, after a 60-day waiting period
Options I & II
• US$1,000,000 per lifetime
Options I & II
• US$1,000,000 per lifetime
Inclusión del recién nacido
Options I & II
• 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)
Options I & II
• Included in the maternity and newborn complications benefit up to US$1,000,000
• Included in the maternity and newborn complications benefit up to US$1,000,000
Atención prenatal y postnatal
Options I & II
• Included in the maternity benefit up to US$15,000
• Included in the maternity benefit up to US$15,000
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100%
Transportación de emergencia por ambulancia aérea
100%
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
100%
Travel costs for one accompanying person
• 100%
Food and transportation costs for accompanying person
• US$200 per day, up to 10 days
Travel costs for children's relocation
• 100%
Travel costs for travel, meals and transportation for compassionate visits
• US$1,700 for relocation travel, per trip, maximum 5 trips per lifetime
• US$200 per day, up to 10 days for food and transportation costs for a companion
Travel costs for one accompanying person
• 100%
Food and transportation costs for accompanying person
• US$200 per day, up to 10 days
Travel costs for children's relocation
• 100%
Travel costs for travel, meals and transportation for compassionate visits
• US$1,700 for relocation travel, per trip, maximum 5 trips per lifetime
• US$200 per day, up to 10 days for food and transportation costs for a companion
Repatriación de restos mortales
100%
Medical repatriation
• 100%
Medical repatriation
• 100%
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
100%
Lesiones durante el entrenamiento o la práctica de deportes profesionales
100%
Cobertura dental de emergencia
100% as long as the first expense is incurred within 30 days after the accident
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
100%
Cirugía refractiva
80% up to US$3,000
Cuidados paliativos en casos terminales
100%
Cobertura provisional para accidentes mientras se procesa la solicitud
Not specified
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
2 years if caused by a covered event
Cobertura gratuita para dependientes
For dependents under 10 years
• 1 dependent for each insured parent, maximum 2 dependents will be covered free of charge
• 1 dependent for each insured parent, maximum 2 dependents will be covered free of charge
Eliminación/reducción del deducible por no presentar reclamos
N/A
Eliminación del deducible
N/A
Segunda opinión médica
Included
Prótesis externas
100%
Tratamiento dental mayor o de rutina
Dental treatment, after a 6-month waiting period
• 80% up to US$2,500 for fillings, root canal, x-ray, tooth extraction, and anesthesia
Major non-esthetic restoration, after a 6-month waiting period
• 80% up to US$2,500 for bridges, crowns, dental implants and dentures
Non esthetic orthodontics, after a 12-month waiting period
• 80% up to US$2,500
• 80% up to US$2,500 for fillings, root canal, x-ray, tooth extraction, and anesthesia
Major non-esthetic restoration, after a 6-month waiting period
• 80% up to US$2,500 for bridges, crowns, dental implants and dentures
Non esthetic orthodontics, after a 12-month waiting period
• 80% up to US$2,500
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
Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 24-month waiting period
Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
Included in the benefit of declared pre-existing conditions up to 20 Ecuadorian basic salaries
Condiciones catastróficas y raras
N/A
Emergencia médica
100%
Enfermedad o lesión en aeronave privada
N/A
Tratamientos anticonceptivos
Covered, not specified amount in sales material
Servicios de consultoría para pacientes
Not specified
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