Best Doctors Prime Care (exclusive for Chile)
Type of plan
Prime Care (exclusive for Chile)
Maximum coverage per insured
US$3,000,000 per policy year
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
N/A
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
US$30,000
Complementary therapy
Acupuncture, hypnotism, therapeutic massages and reflexology
• US$100 all therapies combined
• US$100 all therapies combined
Nurse care at home
Included in the physical therapy and rehabilitation benefit up to US$4,000
Preventive health checkup
No deductible applies
Options I, II & III
• US$150 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$150 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
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
• 100%
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
US$10,000 per lifetime, after a 12-month waiting period
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$300,000 per lifetime
• US$300,000 per lifetime
Benefits for live donors
US$20,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
US$8,000
Allergy treatments
N/A
Physical therapy and rehabilitation
US$4,000 including speech therapy and nurse care at home
Specialized treatments
Autism, psychiatrist, occupational therapist, sleep apnea and other sleep disorders
• US$2,000
Speech therapy
• Included in the physical therapy and rehabilitation benefit up to US$4,000
• US$2,000
Speech therapy
• Included in the physical therapy and rehabilitation benefit up to US$4,000
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
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
• US$3,500 per pregnancy
Options I & II
• US$3,500 per pregnancy
Maternity and birth complications
No deductible applies, after a 10-month waiting period
Options I & II
• US$75,000 per lifetime
• Additional US$500,000 (with optional rider, US$300 cost per year), per lifetime
Options I & II
• US$75,000 per lifetime
• Additional US$500,000 (with optional rider, US$300 cost per year), per lifetime
Inclusion of the newborn
Options I & II
• 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
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Options I & II
• Included in the maternity and newborn complications benefit up to US$75,000
• Included in the maternity and newborn complications benefit up to US$75,000
Pre-natal and post-natal care
Options I & II
• Included in the maternity benefit of US$3,500
• Included in the maternity benefit of US$3,500
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
US$30,000 no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
US$5,000
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
100%
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% 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
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
All options
• 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 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
Second medical opinion
Included
Prosthetic limbs
Included in the durable medical equipment benefit of US$8,000
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
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 included in the plan
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