GBG Global Options
Type of plan
Global Options
Maximum coverage per insured
US$2,000,000 per policy year
Age limit to apply
75
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
• 100% through the preferred provider network
• Outside the preferred provider network coverage will be at 70%
• Outside the preferred provider network coverage will be at 70%
Inpatient Benefits
Standard private hospital room
• 100% up to the coverage limit
Private duty nursing
• US$150 up to 30 days
Private duty nursing
• US$150 up to 30 days
Special benefit for suite
N/A
Intensive care unit
100% up to the coverage limit
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured
• US$1,000
• US$1,000
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Prescribed medications
Following a hospitalization or outpatient surgery
• 100% up to 6 months
Following a physician or specialist visit
• US$3,000
• 100% up to 6 months
Following a physician or specialist visit
• US$3,000
Complementary therapy
N/A
Nurse care at home
US$6,000
Preventive health checkup
No deductible applies, after a 10-month waiting period
Options II & III
• 100% from 0 to 6 months old, up to 5 visits, including vaccines and medical exams
No deductible applies
All options
• US$150 from 6 months and older
HPV (treatment and vaccine)
• US$2,500 per lifetime
Options II & III
• 100% from 0 to 6 months old, up to 5 visits, including vaccines and medical exams
No deductible applies
All options
• US$150 from 6 months and older
HPV (treatment and vaccine)
• US$2,500 per lifetime
Hearing aids
N/A
Alzheimer’s disease
N/A
Autism
N/A
Outpatient surgery
100%
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100%
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
N/A
Prostheses and medical appliances implanted during surgery
N/A
Organ and tissue transplant
Per organ/tissue
• US$300,000 per diagnostic, per lifetime
• US$300,000 per diagnostic, per lifetime
Benefits for live donors
US$40,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
US$6,000
Allergy treatments
N/A
Physical therapy and rehabilitation
Inpatient
• 100%
Outpatient
• US$6,000
• 100%
Outpatient
• US$6,000
Specialized treatments
Occupational therapist
• Covered if rendered by a physician or registered physical or occupational therapist and related specifically to the physician’s written treatment plan, only as inpatient
• Covered if rendered by a physician or registered physical or occupational therapist and related specifically to the physician’s written treatment plan, only as inpatient
Congenital conditions diagnosed before age 18
US$100,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
N/A
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options II & III
• US$4,000 per pregnancy, for normal or cesarean delivery
Options II & III
• US$4,000 per pregnancy, for normal or cesarean delivery
Maternity and birth complications
No deductible applies, after a 10-month waiting period
Options II & III
• US$100,000 per lifetime
After a 10-month waiting period
Options IV, V & VI
• US$500,000 for all pregnancies combined, per lifetime (with optional rider)
Options II & III
• US$100,000 per lifetime
After a 10-month waiting period
Options IV, V & VI
• US$500,000 for all pregnancies combined, per lifetime (with optional rider)
Inclusion of the newborn
Options II & III
• 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
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
No deductible applies
Options II & III
Provisional coverage for the newborn
• US$15,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Options II & III
Provisional coverage for the newborn
• US$15,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Pre-natal and post-natal care
Options II & III
• Included in the maternity benefit up to US$4,000
• Included in the maternity benefit up to US$4,000
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
Emergency transportation by air ambulance
US$40,000 per event, no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$2,000 per person for economy class tickets, within 90 days of the occurrence, included in the emergency transportation by air ambulance
Repatriation of mortal remains
US$10,000
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
N/A
Injuries during the training or practice of professional sports
N/A
Emergency dental coverage
100% for treatment within the first 180 days of the covered accident
Reconstructive surgery after an accident or illness
100% for nose and nasal septum deformity, if medically necessary and as a result of a medical condition covered by the policy
Refractive eye surgery
N/A
Palliative care for terminal cases
N/A
Temporary coverage for accidents while application is being underwritten
100% for accidents or infectious diseases
Free extended coverage for eligible dependents after policyholder’s death
N/A
Free coverage for dependents
N/A
Elimination/reduction of deductible for no claims made or not having met the deductible
Options II, III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims and no change in policy deductible, excluding preventive health checkup
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims and no change in policy deductible, excluding preventive health checkup
Deductible elimination
N/A
Second medical opinion
Included
Prosthetic limbs
• US$30,000 per policy year
• US$120,000 per lifetime
• US$120,000 per lifetime
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
100%
Term life insurance
Optional rider
• US$7,000 policyholder
• US$2,000 spouse
• US$500 per dependent
• US$7,000 policyholder
• US$2,000 spouse
• US$500 per dependent
Declared pre-existing conditions
Covered when disclosed in the application, benefit will be previously evaluated
Catastrophic and chronic illnesses that survive the contracting of the service
N/A
Catastrophic and unusual conditions
N/A
Medical emergency
100% and at emergency centers in the U.S. a US$50 co-payment applies if the deductible has not been met
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
N/A
Travel assistance
N/A
Hospital cash benefit
N/A
Optional additional benefits
Evacuation to country of choice, country of residence or home country
N/A
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A