Best Doctors Global Care
Type of plan
Global Care
Cobertura máxima por asegurado
US$5,000,000 per policy year
Edad límite para solicitar cobertura
74
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 Global Care network
• Outside the Global 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 Global 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
• US$100 per night, max. of 10 nights
• US$100 per night, max. of 10 nights
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
Included in the specialized treatments benefit up to US$5,000
Beneficios ambulatorios
Sala de emergencia
100%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
N/A
Only available in Lima, Peru
• Direct benefit coordination through agreement with Sanna Group, considering lower cost services, this benefit include discounts in referred pharmacies
Only available in Lima, Peru
• Direct benefit coordination through agreement with Sanna Group, considering lower cost services, this benefit include discounts in referred pharmacies
Medicamentos prescritos
US$50,000 including allergy treatments medication
Terapias complementarias
Acupuncture, hypnotism, therapeutic massages and reflexology
• US$150 all therapies combined, without deductible
• US$150 all therapies combined, without deductible
Cuidados de enfermero(a) en el hogar
Included in the physical therapy and rehabilitation benefit up to $12,000
Chequeo médico preventivo
No deductible applies
Options I, II & III
• US$200 from 18 years and older
• Colon cancer screening, US$1,200 from 50 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Options I, II & III
• US$200 from 18 years and older
• Colon cancer screening, US$1,200 from 50 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Aparatos auditivos
N/A
Enfermedad de Alzheimer
100%
Autismo
Included in the specialized treatments benefit up to US$5,000
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
US$25,000 per lifetime, after a 12-month waiting period
Prótesis y medios correctivos implantados durante una cirugía
100%
Trasplante de órganos y tejidos
N/A
Beneficios para el donante vivo
N/A
Equipo médico durable
US$12,000
Tratamiento de alergias
Included in the prescribed medication outpatient benefit up to US$50,000
Terapia física y de rehabilitación
US$12,000
Tratamientos especializados
Autism, psychiatrist, occupational therapist, sleep apnea and other sleep disorders
• US$5,000
• US$5,000
Condiciones congénitas diagnosticadas antes de los 18 años
US$500,000 per lifetime
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
US$500,000 per lifetime, after a 24-month waiting period
Tratamiento quirúrgico de trastornos sintomáticos de los pies
100%
Psicología
N/A
Medicamentos prescritos para la salud mental
N/A
Beneficios de maternidad
Maternidad
No deductible applies, after a 10-month waiting period
Options I, II & III
• US$5,000 per pregnancy
Only available in Lima, Peru
• Direct benefit coordination through lower cost maternity packages in these clinics: Clínica San Felipe, Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment and physicians available in the clinics
Options I, II & III
• US$5,000 per pregnancy
Only available in Lima, Peru
• Direct benefit coordination through lower cost maternity packages in these clinics: Clínica San Felipe, Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment and physicians available in the clinics
Complicaciones de la maternidad y del recién nacido
No deductible applies, after a 10-month waiting period
Options I, II & III
• US$100,000 per lifetime
• Additional US$500,000 per covered pregnancy (with optional rider)
Options I, II & III
• US$100,000 per lifetime
• Additional US$500,000 per covered pregnancy (with optional rider)
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
Options I, II & III
• Included in the maternity benefit up to US$5,000
• Included in the maternity benefit up to US$5,000
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 and US$500,000 with optional rider
• Included in the maternity and newborn complications benefit up to US$100,000 and US$500,000 with optional rider
Atención prenatal y postnatal
Options I, II & III
• Included in the maternity benefit up to US$5,000
• Included in the maternity benefit up to US$5,000
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100% no deductible applies
Transportación de emergencia por ambulancia aérea
US$50,000 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$20,000
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%
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
100% if medically necessary and as a result of a medical condition covered by the policy
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
US$10,000
Cobertura provisional para accidentes mientras se procesa la solicitud
US$25,000
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
1 year if occurs from a covered event
Cobertura gratuita para dependientes
N/A
Eliminación/reducción del deducible por no presentar reclamos o no haber alcanzado el deducible
All options
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
Eliminación del deducible
• Elimination of deductible in the first hospitalization in case of a serious accident
• 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
• 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 $12,000
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
Critical Select (optional rider)
• US$25,000 or US$50,000 for unexpected expenses such as payment of debts, travel or compensation for loss of income, in case of being diagnosed with a serious illness or a covered surgery should be performed
• US$25,000 or US$50,000 for unexpected expenses such as payment of debts, travel or compensation for loss of income, in case of being diagnosed with a serious illness or a covered surgery should be performed
Condiciones preexistentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
N/A
Condiciones catastróficas y raras
N/A
Emergencia médica
100%
Enfermedad o lesión en aeronave privada
N/A
Tratamientos anticonceptivos
N/A
Servicios de consultoría para pacientes
Best Doctors Concierge
Asistencia de viaje
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
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