William Russell Gold

Type of plan
Gold
Maximum coverage per insured
US$5,000,000 per policy year

Expat benefits at 100%*
• 24-hour medical assistance helpline
• Medevac Basic, medical emergency, life-threatening or limb-threatening condition that cannot be treated locally
• Medevac Plus, optional cover*
• Return airfare
• Travel expenses of a companion
• Accommodation expenses of a companion, up to US$250 per night*
• Compassionate home visit, after a 12-month waiting period*
• Repatriation of mortal remains
• Burial or cremation, up to US$1,600*
Age limit to apply
75
Waiting period
N/A

Specific waiting periods don't apply to businesses that choose medical history disregarded as their underwriting type, or businesses insuring 20+ employees
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
100% without restrictions of doctors and hospitals
Inpatient Benefits
Standard private hospital room
100%
Special benefit for suite
N/A
Intensive care unit
100%
Adult companion accommodation during a hospitalization
100% for parent accomodation

Accommodation expenses of a companion
• Included in the expat benefits up to US$250 per night
Prescribed medications while hospitalized
100%
Psychiatric treatments
Mental health treatment
• US$100,000 per lifetime

Inpatient and day-patient mental health treatment
• 100% after a 12-month waiting period

Outpatient mental health treatment, after a 12-month waiting period
• Up to 10 consultations

Outpatient mental health medication, after a 12-month waiting period
• US$500 subject to a 20% co-insurance
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
Not specified
Prescribed medications
100%
Complementary therapy
Up to 15 sessions
Nurse care at home
US$15,000 per medical condition and per policy year
Preventive health checkup
• US$750 after a 6-month waiting period
• US$1,300 after a 6-month waiting period, optional cover

Vaccinations for adults
• US$250

Well-child benefit
• US$400 after a 6-month waiting period

Cancer genome tests
• 100%
Hearing aids
Included in the medical aids benefit up to US$1,000
Alzheimer’s disease
Included in the psychiatric treatments benefit up to 10 consultations and US$500 for prescribed medications, after a 12-month waiting period
Autism
Included in the psychiatric treatments benefit up to 10 consultations and US$500 for prescribed medications, after a 12-month waiting period
Outpatient surgery
100%
Hormone replacement therapy to relieve the symptoms of menopause
Covered up to 18 months from the date of diagnosis
General Benefits
Surgeon and anesthesiologist fees
100%
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
Outpatient
• Not specified
Inpatient
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100% including genome test

Wigs
• US$250 per lifetime

Counselling
• US$750 per lifetime

Dietitian
• US$250 per lifetime

Cash benefit upon diagnosis of cancer, after a 6-month waiting period
• US$5,000 per lifetime, one claim per insured
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
Not specified
Prostheses and medical appliances implanted during surgery
Included in the durable medical equipment benefit at 100%
Organ and tissue transplant
100%
Benefits for live donors
US$25,000 per transplant
Durable medical equipment
Medical aids
• US$1,000 per medical condition

Prosthetic implants
• 100%

Prosthetic devices
• US$1,500 per device
Allergy treatments
Not specified
Physical therapy and rehabilitation
100%

Rehabilitation treatment
• US$6,000
Specialized treatments
Traditional Chinese medicine
• US$50 up to 20 sessions
Congenital conditions diagnosed before age 18
US$100,000 per lifetime

Treatment for congenital conditions or hereditary conditions for newborn babies
• US$100,000 for inpatient or daypatient treatment received within the 90-day period following birth
Congenital conditions diagnosed after age 18
Included in the congenital conditions diagnosed before age 18 benefit up to US$100,000
HIV-AIDS
US$100,000 after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
Not specified
Bariatric surgery
Not specified
Psychology
Included in the psychiatric treatments benefit up to 10 consultations, after a 12-month waiting period
Mental health prescription medication
Included in the psychiatric treatments benefit up to US$500, after a 12-month waiting period
Maternity Benefits
Maternity
Routine maternity care and routine care of newborns
• US$18,500 after a 12-month waiting period
Maternity and birth complications
100% after a 12-month waiting period

Childbirth necessitating an emergency surgical procedure
• 100% after a 12-month waiting period
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)
Included in the maternity and newborn complications benefit at 100%
Pre-natal and post-natal care
Included in the maternity benefit up to US$18,500
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% for local ambulance only
Emergency transportation by air ambulance
Covered at 100% if the medevac plus optional coverage is selected
Insured’s and companion’s return ticket after an evacuation by air ambulance
Included in the expat benefits at 100%
Repatriation of mortal remains
Included in the expat benefits at 100%

Burial or cremation
• US$1,600
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
Not specified
Injuries during the training or practice of professional sports
Not specified
Emergency dental coverage
• 100% for emergency restorative treatment that the insured receive as an inpatient
• US$1,000 for emergency restorative treatment that the insured receive as an outpatient
Reconstructive surgery after an accident or illness
100%
Refractive eye surgery
Optical care, plans for businesses only
• US$200 including an annual eye test
Palliative care for terminal cases
US$100,000 including costs for artificial life maintenance and persistent vegetative state and neurological damage
Temporary coverage for accidents while application is being underwritten
Not specified
Free extended coverage for eligible dependents after policyholder’s death
Not specified
Free coverage for dependents
Not specified
Elimination/reduction of deductible for no claims made or not having met the deductible
Not specified
Deductible elimination
Not specified
Second medical opinion
Not specified
Prosthetic limbs
Included in the prosthetic devices benefit up to US$1,500 per device
Routine and major dental treatment
Dental Basic coverage
• US$1,500 subject to a 20% co-insurance, after a 6-month waiting period

Dental Plus optional coverage
• US$2,000 subject to a 20% co-insurance, after a 10-month waiting period
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
Not specified
Term life insurance
Accidental death benefit
• US$15,000
Declared pre-existing conditions
Not specified
Catastrophic and chronic illnesses that survive the contracting of the service
Acute flare-ups
• 100%

Monitoring and maintenance
• 100%

Personal accident plan
• US$75,000 for cash lump-sum benefit if an accident results in the insured's death, loss of sight, loss of limb or their permanent and total disablement within 2 years of the accident
Catastrophic and unusual conditions
Not specified
Medical emergency
100%
Illness or injury in private aircraft
Not specified
Contraceptive treatments
Not specified
Patient concierge services
24-hour medical assistance helpline, included in the expat benefits at 100%
Travel assistance
Not specified
Hospital cash benefit
US$350 per night
Optional additional benefits
Evacuation to country of choice, country of residence or home country
Covered at 100% if the medevac plus optional coverage is selected
Non-emergency evacuation
Not specified
Pre-existing conditions waiting period waiver
Not specified