William Russell Bronze

Type of plan
Bronze
Maximum coverage per insured
US$1,500,000 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$75 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$75 per night
Prescribed medications while hospitalized
100%
Psychiatric treatments
Mental health treatment
• US$50,000 per lifetime

Inpatient and day-patient mental health treatment
• Up to 30 days after a 12-month waiting period

Outpatient mental health treatment, after a 12-month waiting period
• Up to 10 consultations, for post-hospital treatment received within the 90-day period following the date you are discharged from hospital following in-patient or day-patient mental health treatment

Outpatient mental health medication, after a 12-month waiting period
• US$500 for medication prescribed within the 90-day period following the date you are discharged from hospital following in-patient or day-patient mental health treatment, subject to a 20% co-insurance
Outpatient Benefits
Emergency room
Essential and immediate treatment necessary as the result of an accident, plus one follow-up appointment with a medical doctor
Physician and specialist visits
100% for post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Physician and specialist home visits
Not specified
Prescribed medications
100% for post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Complementary therapy
Up to 10 sessions for post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Nurse care at home
US$5,000 per medical condition and per policy year
Preventive health checkup
Cancer genome tests
• 100%
Hearing aids
Included in the medical aids benefit up to US$250
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
N/A
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$150 per lifetime

Counselling
• US$500 per lifetime

Dietitian
• US$100 per lifetime
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$250 per medical condition

Prosthetic implants
• 100%

Prosthetic devices
• US$500 per device
Allergy treatments
Not specified
Physical therapy and rehabilitation
US$1,000 for post-hospital treatment received within the 90-day period following the date you are discharged from hospital

Rehabilitation treatment
• US$2,000
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
Inpatient, day-patient and post-hospital treatment received within the 90-day period following the date you are discharged from hospital
• US$50,000 per lifetime
Congenital conditions diagnosed after age 18
Included in the congenital conditions diagnosed before age 18 benefit up to US$50,000
HIV-AIDS
US$5,000 only for inpatient and day-patient treatment, 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
N/A
Maternity and birth complications
US$4,800 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 up to US$4,800
Pre-natal and post-natal care
N/A
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
Reconstructive surgery after an accident or illness
Inpatient, day-patient and post-hospital treatment received within the 90-day period following the date you are discharged from hospital
Refractive eye surgery
Optical care, plans for businesses only
• US$200 including an annual eye test
Palliative care for terminal cases
US$25,000 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$500 per device
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
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
Acute flare-ups
• 100% for in-patient, day-patient, and post-hospital treatment received within the 90-day period following the date you are discharged from hospital

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$150 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