Best Doctors Advanced Care Plus (exclusive for Chile)
Type of plan
Advanced Care Plus (exclusive for Chile)
Maximum coverage per insured
• US$1,500,000 per policy year, up to 74 years old
• US$750,000 per policy year, from 75 years and older
• US$750,000 per policy year, from 75 years and older
Age limit to apply
70
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
• 100% through the Advanced Care Plus network
• Outside the Advanced Care Plus 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 Advanced Care Plus 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
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit
Special benefit for suite
N/A
Intensive care unit
100% up to the coverage limit
Adult companion accommodation during a hospitalization
N/A
Prescribed medications while hospitalized
• 100% if has ISAPRE insurance
• 35% if has not ISAPRE insurance
• 35% if has not ISAPRE insurance
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Prescribed medications
• 100% if has ISAPRE insurance
• 35% if has not ISAPRE insurance
• 35% if has not ISAPRE insurance
Complementary therapy
N/A
Nurse care at home
100%
Preventive health checkup
N/A
Hearing aids
N/A
Alzheimer’s disease
100%
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
100%
Organ and tissue transplant
Per organ/tissue
Up to 74 years old
• US$1,000,000 per lifetime
From 75 years and older
• US$750,000 vitalicio
Up to 74 years old
• US$1,000,000 per lifetime
From 75 years and older
• US$750,000 vitalicio
Benefits for live donors
US$20,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
100%
Allergy treatments
100% after a 12-month waiting period
Physical therapy and rehabilitation
100%
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
US$250,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$250,000 per lifetime, 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
N/A
Maternity and birth complications
No deductible applies, after a 10-month waiting period
• US$500,000 per covered pregnancy (with optional rider, US$300 cost per year)
• US$500,000 per covered pregnancy (with optional rider, US$300 cost per year)
Inclusion of the newborn
Without underwriting only if the maternity and newborn complications was hired
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Included in the maternity and newborn complications benefit up to US$500,000 (with optional rider)
Pre-natal and post-natal care
N/A
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
US$50,000 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%
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
US$25,000
Free extended coverage for eligible dependents after policyholder’s death
2 years if occurs from a covered event
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 benefit of 100%
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
N/A
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