Best Doctors MyChoice (exclusive for Mexico)
Type of plan
MyChoice (exclusive for Mexico)
Maximum coverage per insured
US$3,000,000 per policy year
Optional rider provides coverage for the medical conditions specified below:
• Cancer
• Cerebrovascular accidents
• Cardiac accident and/or surgery
• Chronic kidney failure (dialysis or hemodialysis)
• Organ and tissue transplant
• Benign brain tumor
• Paraplegia
Optional rider provides coverage for the medical conditions specified below:
• Cancer
• Cerebrovascular accidents
• Cardiac accident and/or surgery
• Chronic kidney failure (dialysis or hemodialysis)
• Organ and tissue transplant
• Benign brain tumor
• Paraplegia
Age limit to apply
74
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
100% without restrictions of doctors and hospitals
Inpatient Benefits
Standard private hospital room
100%
Special benefit for suite
N/A
Intensive care unit
100%
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• US$150 per night, max. of 20 nights
• US$150 per night, max. of 20 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100% if admitted immediately as an inpatient
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Prescribed medications
US$7,000
Complementary therapy
Psychiatrist
• Included in the specialized treatments benefit up to US$2,000
• Included in the specialized treatments benefit up to US$2,000
Nurse care at home
US$10,000
Preventive health checkup
All options
• US$150 from 18 years and older, including vaccines, medications and medical exams
• US$150 from 18 years and older, including vaccines, medications and medical exams
Hearing aids
N/A
Alzheimer’s disease
N/A
Autism
Included in the specialized treatments benefit up to US$2,000
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
Outpatient
• US$10,000
Inpatient
• 100% if related to surgery
Outpatient
• US$10,000
Inpatient
• 100% if related to surgery
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
100%
Organ and tissue transplant
Per organ/tissue
• US$1,000,000 per lifetime
• US$1,000,000 per lifetime
Benefits for live donors
US$40,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
US$7,000
Allergy treatments
N/A
Physical therapy and rehabilitation
Inpatient
• 100%
• 100% up of 30 visits, following a covered hospitalization
Outpatient
• US$10,000
• 100%
• 100% up of 30 visits, following a covered hospitalization
Outpatient
• US$10,000
Specialized treatments
Psychiatrist, autism and occupational therapist
• US$2,000
• US$2,000
Congenital conditions diagnosed before age 18
US$500,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$500,000 after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
100%
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options I, II & III
• US$4,500
Options I, II & III
• US$4,500
Maternity and birth complications
Options I, II & III
• US$500,000 per lifetime
• US$500,000 per lifetime
Inclusion of the newborn
Options I, II & III
• Without underwriting if born from a covered maternity
• Without underwriting if born from a covered maternity
Extraction and storage of umbilical cord blood stem cells
Options I, II & III
• Included in the maternity benefit up to US$4,500
• Included in the maternity benefit up to US$4,500
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Options I, II & III
• Included in the maternity and newborn complications benefit up to US$500,000
• Included in the maternity and newborn complications benefit up to US$500,000
Pre-natal and post-natal care
No deductible applies
• US$200 per visit, up to 5 visits from 0 to 12 months old
• US$100 per visit, up to 1 visit from 12 months to 18 years old
• US$200 per visit, up to 5 visits from 0 to 12 months old
• US$100 per visit, up to 1 visit from 12 months to 18 years old
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
Emergency transportation by air ambulance
US$50,000
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
US$50,000 if death occurs from a covered event
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%
Reconstructive surgery after an accident or illness
100%
Refractive eye surgery
N/A
Palliative care for terminal cases
N/A
Temporary coverage for accidents while application is being underwritten
N/A
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
N/A
Deductible elimination
N/A
Second medical opinion
Included
Prosthetic limbs
Included in the durable medical equipment up to US$7,000
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
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
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%
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
Best Doctors Concierge
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