Best Doctors Prepaid Medicine Medical Care (worldwide coverage)
Type of plan
Medical Care (worldwide coverage)
Cobertura máxima por asegurado
US$2,000,000 per policy year
Edad límite para solicitar cobertura
Unlimited
Período de espera
30 days
Cobertura fuera de Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro de Estados Unidos
• 100% through the Medical Care network
• Outside the Medical Care network coverage will be at 60% with a maximum daily room rate of up to US$600 for a standard room and up to US$1,200 for intensive care room
• Emergency medical treatment will be covered 100% up to the policy limits
• Outside the Medical Care network coverage will be at 60% with a maximum daily room rate of up to US$600 for a standard room and up to US$1,200 for intensive care room
• Emergency medical treatment will be covered 100% up to the policy limits
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 under age 18 or older than 75
• US$500
This coverage is inside and outside Ecuador and is not limited to the number of entries in the year
• US$500
This coverage is inside and outside Ecuador and is not limited to the number of entries in the year
Medicamentos prescritos durante una hospitalización
US$50 no deductible applies, after this amount the coverage will be 100% with deductible
Tratamientos psiquiátricos
Included in the specialized treatments benefit up to US$1,000
Beneficios ambulatorios
Sala de emergencia
100%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
N/A
Medicamentos prescritos
In Ecuador
• 100%
Outside Ecuador
• US$5,000
Including ancestral, alternative and generic medicine
• 100%
Outside Ecuador
• US$5,000
Including ancestral, alternative and generic medicine
Terapias complementarias
Speech therapist
• Included in the physical therapy and rehabilitation benefit up to US$3,000
Home respiratory therapy
• Included in the physical therapy and rehabilitation benefit up to US$3,000
Alternative and ancestral medicine consultations
• US$50
• Included in the physical therapy and rehabilitation benefit up to US$3,000
Home respiratory therapy
• Included in the physical therapy and rehabilitation benefit up to US$3,000
Alternative and ancestral medicine consultations
• US$50
Cuidados de enfermero(a) en el hogar
Included in the physical therapy and rehabilitation benefit up to US$3,000
Chequeo médico preventivo
No deductible applies
• US$50 from 18 years and older
• US$50 from 18 years and older
Aparatos auditivos
N/A
Enfermedad de Alzheimer
N/A
Autismo
Included in the specialized treatments benefit up to US$1,000
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
N/A
Prótesis y medios correctivos implantados durante una cirugía
100%
Trasplante de órganos y tejidos
Per organ/tissue
• US$1,000,000 per lifetime, after a 90-day waiting period
• US$1,000,000 per lifetime, after a 90-day waiting period
Beneficios para el donante vivo
US$20,000 per lifetime, included in the organ transplant benefit
Equipo médico durable
US$6,500
Tratamiento de alergias
100%
Terapia física y de rehabilitación
US$3,000 including rehabilitative cardiac therapy, respiratory therapy and speech therapy
Tratamientos especializados
Psychiatrist, autism, occupational therapist, sleep apnea and other sleep disorders
• US$1,000
• US$1,000
Condiciones congénitas diagnosticadas antes de los 18 años
US$100,000 per lifetime
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
Not specified, this benefit according to the law or zero rate will have coverage for 1 evaluation per year up to US$60 to know the health status of the insured, it could also be considered as a pre-existing condition and have coverage up to 20 Ecuadorian basic salaries, i.e. US$9,000
Tratamiento quirúrgico de trastornos sintomáticos de los pies
• 100%
Non-surgical treatment of symptomatic foot disorders
• US$100
Non-surgical treatment of symptomatic foot disorders
• US$100
Psicología
N/A
Medicamentos prescritos para la salud mental
N/A
Beneficios de maternidad
Maternidad
No deductible applies, after a 60-day waiting period
Options I, II & III
• US$3,000 per pregnancy
Options I, II & III
• US$3,000 per pregnancy
Complicaciones de la maternidad y del recién nacido
No deductible applies, after a 60-day waiting period
Options I, II & III
• US$100,000 per covered pregnancy, per lifetime
Options I, II & III
• US$100,000 per covered pregnancy, per lifetime
Inclusión del recién nacido
Options I, II & III
• Without underwriting if born from a covered maternity
• Without underwriting if born from a covered maternity
Extracción y almacenamiento de células madres
N/A
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
Options I, II & III
• Included in the maternity and newborn complications benefit up to US$100,000
• Included in the maternity and newborn complications benefit up to US$100,000
Atención prenatal y postnatal
Included in the maternity benefit up to US$3,000
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100% no deductible applies
Transportación de emergencia por ambulancia aérea
US$30,000 no deductible applies
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
N/A
Repatriación de restos mortales
US$5,000
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%
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
100%
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
US$5,000 per lifetime
Cobertura provisional para accidentes mientras se procesa la solicitud
US$25.000 per lifetime, for medical expenses arising from bodily injury sustained in an accident occurring from the time the completed application and full premium are received until the date coverage begins or 60 days from the date the application is received, whichever comes first
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
1 year for contractual dependents and beneficiaries
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
Elimination of deductible up to US$5,000 in case of an accident or emergency that occurs while the insured is traveling outside of his/her country of residence
Segunda opinión médica
Included
Prótesis externas
Included in the durable medical equipment benefit up to US$6,500
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
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
100% after a 30-day waiting period for outpatient services and 90 days for inpatient services
Coverage within Ecuadorian territory for conditions named and determined by the national health authority
Coverage within Ecuadorian territory for conditions named and determined by the national health authority
Condiciones catastróficas y raras
US$200 additional to the amount of drugs prescribed for treatment with growth stimulants
Emergencia médica
US$200 with no deductible, after this amount the coverage will be 100% with deductible, after a 24 hour waiting period
Enfermedad o lesión en aeronave privada
100%
Tratamientos anticonceptivos
US$50
Servicios de consultoría para pacientes
Best Doctors Concierge
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