Best Doctors Medical Care (coverage in Latin America)
Type of plan
Medical Care (coverage in Latin America)
Maximum coverage per insured
US$3,000,000 per policy year
Age limit to apply
74
Waiting period
30 days
Coverage outside USA
100% without restrictions of doctors and hospitals in Latin America (excluding Brazil)
Coverage inside USA
N/A
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%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
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
Prescribed medications
US$30,000
Complementary therapy
Acupuncture, hypnotism, therapeutic massages and reflexology
• US$100 all therapies combined, no deductible
• US$100 all therapies combined, no deductible
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
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% for covered conditions
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%
Surgery to reduce the risk of cancer or prophylactic surgery
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
Psychiatrist, occupational therapist, sleep apnea and other sleep disorders
• US$2,000
Speech therapy
• Included in the physical therapy and rehabilitation benefit of US$4,000
• US$2,000
Speech therapy
• Included in the physical therapy and rehabilitation benefit of 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
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
• US$3,500 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
Maternity and newborn 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 up to US$3,500
• Included in the maternity benefit up to 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
US$25,000
Free extended coverage for eligible dependents after policyholder’s death
N/A
Free coverage for dependents
N/A
Deductible elimination/reduction for no claims made
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 up to 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