GBG Global 360 Health
Type of plan
Global 360 Health
Maximum coverage per insured
Unlimited
Age limit to apply
75
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
• 100% through the preferred provider network
• Outside the preferred provider network coverage will be at 80%
• Outside the preferred provider network coverage will be at 80%
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit
Private duty nursing
• 100% up to 100 days
Private duty nursing
• 100% up to 100 days
Special benefit for suite
US$2,000 per day within the preferred provider network
Intensive care unit
100% up to the coverage limit
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured
• US$300 per night, up to US$3,000
• US$300 per night, up to US$3,000
Prescribed medications while hospitalized
100%
Psychiatric treatments
100%
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Prescribed medications
Following a hospitalization or outpatient surgery
• 100% up to 6 months, US$3,000 after this period per policy year
Following a physician or specialist visit
• US$2,500
• 100% up to 6 months, US$3,000 after this period per policy year
Following a physician or specialist visit
• US$2,500
Complementary therapy
Outpatient mental health
• 100% up to 50 visits
Therapeutic services: homeopath, acupuncture, chiropractic, physical therapy, vocational therapy, occupational therapy and speech therapy
• 100% up to 80 visits
• 100% up to 50 visits
Therapeutic services: homeopath, acupuncture, chiropractic, physical therapy, vocational therapy, occupational therapy and speech therapy
• 100% up to 80 visits
Nurse care at home
100% up to 100 days
Preventive health checkup
No deductible applies
All options
• 100% from 0 to 6 months old, up to 5 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older
HPV (treatment and vaccine)
• US$5,000 per lifetime
All options
• 100% from 0 to 6 months old, up to 5 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older
HPV (treatment and vaccine)
• US$5,000 per lifetime
Hearing aids
N/A
Alzheimer’s disease
Included in the complementary therapy benefit of 100% up to 50 visits
Autism
Included in the complementary therapy benefit of 100% up to 50 visits
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$30,000 per lifetime, after a 12-month waiting period for gynecological cancer only (mastectomy and/or oophorectomy), BRCA testing and breast reconstruction
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$750,000 per lifetime
• US$750,000 per lifetime
Benefits for live donors
Included in the organ transplant benefit, no limit specified
Durable medical equipment
100%
Allergy treatments
N/A
Physical therapy and rehabilitation
Inpatient
• 100%
Outpatient
• Included in the complementary therapy benefit of 100% up to 80 visits
• 100%
Outpatient
• Included in the complementary therapy benefit of 100% up to 80 visits
Specialized treatments
Occupational and speech therapist
• Included in the complementary therapy benefit of 100% up to 80 visits
• Included in the complementary therapy benefit of 100% up to 80 visits
Congenital conditions diagnosed before age 18
100%
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
100% after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
100% after a 24-month waiting period, especifically for Hallux Valgus
Psychology
Included in the complementary therapy benefit of 100% up to 50 visits
Mental health prescription medication
Included in the complementary therapy benefit of 100% up to 50 visits
Maternity Benefits
Maternity
After a 10-month waiting period, only in options III & IV
No deductible applies in option III and with deductible in option IV
• US$10,000 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$15,000 per pregnancy for normal or cesarean delivery, if both parents are covered
No deductible applies in option III and with deductible in option IV
• US$10,000 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$15,000 per pregnancy for normal or cesarean delivery, if both parents are covered
Maternity and birth complications
After a 10-month waiting period
No deductible applies in option III and with deductible in option IV
• 100%
Options V & VI
• US$500,000 per lifetime after deductible, for all pregnancies combined (with optional rider)
No deductible applies in option III and with deductible in option IV
• 100%
Options V & VI
• US$500,000 per lifetime after deductible, for all pregnancies combined (with optional rider)
Inclusion of the newborn
Options III & IV
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
No deductible applies in option III and with deductible in option IV
Provisional coverage for the newborn
• US$5,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Provisional coverage for the newborn
• US$5,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Pre-natal and post-natal care
Options III & IV
• Included in the maternity benefit up to US$10,000 if only the mother is covered and US$15,000 if both parents are covered
• Included in the maternity benefit up to US$10,000 if only the mother is covered and US$15,000 if both parents are covered
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
Emergency transportation by air ambulance
100% no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$2,000 per person for economy class tickets, within 90 days of the occurrence, included in the emergency transportation by air ambulance
Repatriation of mortal remains
US$20,000
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% for treatment within the first 180 days of the covered accident
Reconstructive surgery after an accident or illness
• 100% for nose and nasal septum deformity, if medically necessary and as a result of a medical condition covered by the policy
• US$30,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
• US$30,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
Refractive eye surgery
N/A
Palliative care for terminal cases
100% up to 240 days
Temporary coverage for accidents while application is being underwritten
100% for accidents or infectious diseases
Free extended coverage for eligible dependents after policyholder’s death
2 years if occurs from a covered event
Free coverage for dependents
Options III & IV, up to 5 years old for children born from a covered maternity
Elimination/reduction of deductible for no claims made or not having met the deductible
N/A
Deductible elimination
Elimination of deductible on the first hospitalization, for 24 hours or more, in case of serious accident
Second medical opinion
Included
Prosthetic limbs
100%
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
100%
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
US$2,500 per lifetime, per person
Catastrophic and unusual conditions
N/A
Medical emergency
100% and at emergency centers in the U.S. a US$50 co-payment applies if the deductible has not been met
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
N/A
Travel assistance
US$5,000 by reimbursement, for emergencies as result of accidents or diseases, this benefit only applies if the insured receives medical services in an emergency room or an intensive care unit as result of an emergency
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