Medicare Plus Platinum (exclusive for Venezuela)
Type of plan
Platinum (exclusive for Venezuela)
Maximum coverage per insured
• US$5,000,000 per policy year
• US$500,000 limit for COVID
• Deductible does not apply in Venezuela up to the US$5,000 deductible option
• US$500,000 limit for COVID
• Deductible does not apply in Venezuela up to the US$5,000 deductible option
Age limit to apply
• Up to 75 years old for policyholder and spouse
• Up to 65 years old for policyholder's parents
• Up to 25 years old for policyholder's brothers or children
• Up to 65 years old for policyholder's parents
• Up to 25 years old for policyholder's brothers or children
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
100% worldwide without restrictions of doctors and hospitals
Inpatient Benefits
Standard private hospital room
Included
Special benefit for suite
US$1,500 per day, up to 30 days
Intensive care unit
Included
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• Included
Related to a hospitalization of an insured 18 years and older
• Included
• Included
Related to a hospitalization of an insured 18 years and older
• Included
Prescribed medications while hospitalized
Included
Psychiatric treatments
Not specified
Outpatient Benefits
Emergency room
Included
Physician and specialist visits
Included
Physician and specialist home visits
Included
Prescribed medications
Included
Complementary therapy
Chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture
• US$4,000 all therapies combined
• US$4,000 all therapies combined
Nurse care at home
US$10,000
Preventive health checkup
No deductible applies, after a 10-month waiting period
Deductible options up to US$3,000
• US$135 up to 17 years old
• US$400 from 18 years and older
Deductible options up to US$10,000 and US$50,000
• US$120 all ages
Deductible options up to US$3,000
• US$135 up to 17 years old
• US$400 from 18 years and older
Deductible options up to US$10,000 and US$50,000
• US$120 all ages
Hearing aids
US$1,500 per lifetime
Alzheimer’s disease
US$25,000
Autism
Included in the specialized treatments benefit up to US$3,200
Outpatient surgery
Included
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
Included
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• Included
• Included
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
Included
Dialysis
Included
Surgery to reduce the risk of cancer or prophylactic surgery
US$20,000 per lifetime, after a 12-month waiting period
Prostheses and medical appliances implanted during surgery
Included
Organ and tissue transplant
Per organ/tissue
• US$1,000,000 per lifetime
• US$1,000,000 per lifetime
Benefits for live donors
US$60,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
Included
Allergy treatments
Included
Physical therapy and rehabilitation
Included
Specialized treatments
Autism, occupational therapist, speech therapist, sleep apnea and other sleep disorders
• US$3,200
• US$3,200
Congenital conditions diagnosed before age 18
US$1,500,000 per lifetime
Congenital conditions diagnosed after age 18
Included
HIV-AIDS
US$700,000 per lifetime, after a 60-month waiting period
Surgical treatment of symptomatic foot disorders
Included
Psychology
Not specified
Mental health prescription medication
Not specified
Maternity Benefits
Maternity
After a 10-month waiting period
• US$15.500 per pregnancy for normal or cesarean delivery, 100% within the Medicare network and 60% outside the Medicare network
• US$15.500 per pregnancy for normal or cesarean delivery, 100% within the Medicare network and 60% outside the Medicare network
Maternity and newborn complications
After a 10-month waiting period
• US$850,000
• US$850,000
Inclusion of the newborn
All options
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 30 days of birth
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 30 days of birth
Extraction and storage of umbilical cord blood stem cells
Not specified
Fertility treatment
Included
Neonatal Intensive Care Unit (NICU)
Included in the maternity and newborn complications benefit up to US$850,000
Pre-natal and post-natal care
Included in the maternity benefit up to US$15,500
Medical Evacuation Benefits
Emergency transportation by ground ambulance
Included
Emergency transportation by air ambulance
US$70,000
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$2,000 per person
Repatriation of mortal remains
US$50,000
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
Included
Injuries during the training or practice of professional sports
Included
Emergency dental coverage
100% for treatment within the first 90 days of the covered accident
Reconstructive surgery after an accident or illness
Not specified
Refractive eye surgery
US$450 per eye, per lifetime, after a 24-month waiting period
Palliative care for terminal cases
Included
Temporary coverage for accidents while application is being underwritten
US$25,000
Free extended coverage for eligible dependents after policyholder’s death
1 year if occurs from a covered event
Free coverage for dependents
Not specified
Deductible elimination/reduction for no claims made
Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
Deductible elimination
Not specified
Second medical opinion
Included
Prosthetic limbs
Not specified
Routine and major dental treatment
Not specified
Travel reimbursement for treatment in centers of excellence Latam network
Not specified
War and terrorism
Not specified
Term life insurance
Not specified
Declared pre-existing conditions
Not specified
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
Not specified
Travel assistance
Not specified
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