CIGNA Healthcare Platinum
Type of plan
Platinum
Cobertura máxima por asegurado
Paid in full
Edad límite para solicitar cobertura
Not specified
Período de espera
Not specified
Cobertura fuera de Estados Unidos
Worldwide excluding USA
Cobertura dentro de Estados Unidos
Worldwide including USA
Beneficios hospitalarios
Habitación hospitalaria privada estándar
Covered
Beneficio especial para suite
N/A
Unidad de cuidados intensivos
Covered
Acompañante adulto durante una hospitalización
Covered
Medicamentos prescritos durante una hospitalización
Covered
Tratamientos psiquiátricos
Covered up to 90 days
Beneficios ambulatorios
Sala de emergencia
US$1,200
Visitas de médicos y especialistas
Covered
Visitas de médicos y especialistas en el hogar
Telehealth consultations covered
• Virtual doctor consultations with chosen healthcare provider
• Combined benefit limit with the consultations with medical practitioners and specialists benefit
• Virtual doctor consultations with chosen healthcare provider
• Combined benefit limit with the consultations with medical practitioners and specialists benefit
Medicamentos prescritos
Covered
Terapias complementarias
• Acupuncture & chinese medicine covered
• Sleep apnea US$2,000
• Sleep apnea US$2,000
Cuidados de enfermero(a) en el hogar
Covered up to 120 days
Chequeo médico preventivo
US$600
• Adult vaccinations covered
• Child and adolescence wellbeing health covered
• 60+ care US$2,000
• Dietetic consultations covered (up to 4 consultations per period of cover)
• Adult vaccinations covered
• Child and adolescence wellbeing health covered
• 60+ care US$2,000
• Dietetic consultations covered (up to 4 consultations per period of cover)
Aparatos auditivos
US$2,000
Enfermedad de Alzheimer
N/A
Autismo
N/A
Cirugía ambulatoria
Included in the hospital charges benefit
Terapia de reemplazo hormonal para aliviar los síntomas de la menopausia
US$1,000
Beneficios generales
Honorarios del cirujano y del anestesiólogo
Included in the hospital charges benefit
Servicios de estudios diagnósticos
• Pathology, radiology and diagnostic tests: covered
• Advanced Medical Imaging (MRI, CT and PET scans): covered as part of inpatient, daypatient or outpatient treatment
• Advanced Medical Imaging (MRI, CT and PET scans): covered as part of inpatient, daypatient or outpatient treatment
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
• Cancer care: covered
• Cancer related appliances - Includes wigs / headbands and mastectomy bras for cancer patients: US$125 per lifetime per cancer related appliance
• Cervical cancer screening covered
• Prostate cancer screening covered
• Breast cancer screening covered
• Bowel cancer screening covered
• Skin cancer screening covered
• Lung cancer screening covered
• Bone densitometry covered
• Cancer related appliances - Includes wigs / headbands and mastectomy bras for cancer patients: US$125 per lifetime per cancer related appliance
• Cervical cancer screening covered
• Prostate cancer screening covered
• Breast cancer screening covered
• Bowel cancer screening covered
• Skin cancer screening covered
• Lung cancer screening covered
• Bone densitometry covered
Diálisis
Covered
Cirugía profiláctica para reducir el riesgo de cáncer
70% refund up to US$18,000
Prótesis y medios correctivos implantados durante una cirugía
Covered
Trasplante de órganos y tejidos
Covered
Beneficios para el donante vivo
Included in the organ and tissue transplant benefit
Equipo médico durable
Covered
Tratamiento de alergias
Not specified
Terapia física y de rehabilitación
Rehabilitation: covered up to 90 days
• Physiotherapy
• Occupational therapy
• Cognitive and speech therapies
• Cardiac and pulmonary rehabilitation
• Physiotherapy
• Occupational therapy
• Cognitive and speech therapies
• Cardiac and pulmonary rehabilitation
Tratamientos especializados
Covered up to 90 days
• Occupational therapy
• Cognitive and speech therapies
• Occupational therapy
• Cognitive and speech therapies
Condiciones congénitas diagnosticadas antes de los 18 años
US$39,000
Condiciones congénitas diagnosticadas después de los 18 años
US$39,000
VIH-SIDA
N/A
Tratamiento quirúrgico de trastornos sintomáticos de los pies
US$900 up to 15 sessions
Psicología
Mental health support programme
• Covered - Up to 20 face to face counselling sessions per condition per period of cover
Telephonic wellness coaching - covered
• Access to a personal wellness coach for lasting lifestyle changes
• Covered - Up to 20 face to face counselling sessions per condition per period of cover
Telephonic wellness coaching - covered
• Access to a personal wellness coach for lasting lifestyle changes
Medicamentos prescritos para la salud mental
Included in the mental and behavioural health care benefit
Beneficios de maternidad
Maternidad
• US$14,000
• Homenbirths: US$1,100
• Homenbirths: US$1,100
Complicaciones de la maternidad y del recién nacido
US$28,000
Inclusión del recién nacido
Newborn care: US$156,000
• The newborn may be required to be medically underwritten
• The newborn may be required to be medically underwritten
Extracción y almacenamiento de células madres
N/A
Tratamiento de fertilidad
US$10,000
Unidad de Cuidados Intensivos Neonatales (UCIN)
N/A
Atención prenatal y postnatal
US$7,000
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
Covered
Transportación de emergencia por ambulancia aérea
Covered
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
Covered
Compassionate visit - travel costs US$1,200
• Up to a maximum of 5 trips per lifetime
Compassionate visit - living allowance costs US$155
• Per day up to 10 days per visit
Compassionate visit - travel costs US$1,200
• Up to a maximum of 5 trips per lifetime
Compassionate visit - living allowance costs US$155
• Per day up to 10 days per visit
Repatriación de restos mortales
Covered
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
• Inpatient: covered
• Outpatient: dental accidents covered
• Outpatient: dental accidents covered
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
N/A
Cirugía refractiva
Eye test covered
• 1 eye examination per period of cover
Expenses for spectacle lenses; contact lenses; spectacle frames; prescription sunglasses US$310
• 1 eye examination per period of cover
Expenses for spectacle lenses; contact lenses; spectacle frames; prescription sunglasses US$310
Cuidados paliativos en casos terminales
Covered
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
N/A
Eliminación del deducible
N/A
Segunda opinión médica
Covered by the decision support programme
Prótesis externas
Covered
Tratamiento dental mayor o de rutina
Annual dental treatment
• Preventative (3 months): covered
• Routine (3 months): covered
• Major restorative (12 months): covered
• Orthodontic treatment (up to 18 years old) (18 months): 50% refund
• Preventative (3 months): covered
• Routine (3 months): covered
• Major restorative (12 months): covered
• Orthodontic treatment (up to 18 years old) (18 months): 50% refund
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
Not specified
Condiciones preexistentes declaradas
Some conditions covered with an additional premium and not included in de exclusions section.
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
Included in the chronic condition program benefit
Condiciones catastróficas y raras
Not specified
Emergencia médica
Covered
Enfermedad o lesión en aeronave privada
N/A
Tratamientos anticonceptivos
N/A
Servicios de consultoría para pacientes
Life management assistance programme covered
• 24/7 access to counsellors for mental and behavioural health support
• 24/7 access to counsellors for mental and behavioural health support
Asistencia de viaje
Available on crisis assistance plus plan
Beneficio hospitalario en dinero en efectivo
US$100
Beneficios adicionales opcionales
Evacuación al país de elección, de residencia o domiciliar del asegurado
Not specified
Evacuación que no sea de emergencia
Not specified
Exoneración del período de espera para condiciones preexistentes
Not specified