Best Doctors Prepaid Medicine Easy Care

Type of plan
Easy Care
Maximum coverage per insured
US$750,000 per policy year
Age limit to apply
Unlimited
Waiting period
30 days
Coverage outside USA
• 100% free choice of physicians and hospitals in Ecuador and Colombia
• In Spain, Clinica Universidad de Navarra (Madrid and Pamplona)
• In Chile, Clínica Universidad de los Andes
• In Mexico, Médica Sur
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
Related to a hospitalization of an insured under age 18 or older than 75
• US$500

This coverage is inside and outside Ecuador and is not limited to the number of entries in the year
Prescribed medications while hospitalized
US$50 no deductible applies, after this amount the coverage will be 100% with deductible
Psychiatric treatments
Included in the specialized treatments benefit up to US$1,000
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Prescribed medications
100% including ancestral, alternative and generic medicine
Complementary therapy
Speech therapist
• Included in the physical therapy and rehabilitation benefit up to US$3,000

Home respiratory therapy
• Included in the physical therapy and rehabilitation benefit up to US$3,000

Alternative and ancestral medicine consultations
• US$50
Nurse care at home
Included in the physical therapy and rehabilitation benefit up to US$3,000
Preventive health checkup
No deductible applies
• US$50 from 18 years and older
Hearing aids
N/A
Alzheimer’s disease
N/A
Autism
Included in the specialized treatments benefit up to US$1,000
Outpatient surgery
N/A
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%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Surgery to reduce the risk of cancer or prophylactic surgery
N/A
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$750,000 per lifetime, after a 90-day waiting period
Benefits for live donors
US$20,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
US$6,500
Allergy treatments
100%
Physical therapy and rehabilitation
US$3,000 including rehabilitative cardiac therapy, respiratory therapy and speech therapy
Specialized treatments
Psychiatrist, autism, occupational therapist, sleep apnea and other sleep disorders
• US$1,000
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
N/A

Non-surgical treatment of symptomatic foot disorders
• US$100
Bariatric surgery
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
N/A
Maternity and newborn complications
N/A
Inclusion of the newborn
N/A
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
N/A
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$30,000 no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
N/A
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
US$5,000 per lifetime
Temporary coverage for accidents while application is being underwritten
US$25.000 per lifetime, for medical expenses arising from bodily injury sustained in an accident occurring from the time the completed application and full premium are received until the date coverage begins or 60 days from the date the application is received, whichever comes first
Free extended coverage for eligible dependents after policyholder’s death
1 year for contractual dependents and beneficiaries
Free coverage for dependents
N/A
Deductible elimination/reduction for no claims made
N/A
Deductible elimination
• 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$6,500
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
Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 24-month waiting period

Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Catastrophic and chronic illnesses that survive the contracting of the service
100% after a 30-day waiting period for outpatient services and 90 days for inpatient services

Coverage within Ecuadorian territory for conditions named and determined by the national health authority
Catastrophic and unusual conditions
US$200 additional to the amount of drugs prescribed for treatment with growth stimulants
Medical emergency
US$200 with no deductible, after this amount the coverage will be 100% with deductible, after a 24 hour waiting period, only in Ecuador
Illness or injury in private aircraft
100%
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