GBG Global Superior
Type of plan
Global Superior
Maximum coverage per insured
US$10,000,000 per policy year
Age limit to apply
75
Waiting period
30 days
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%
Private duty nursing
• 100%
Private duty nursing
• 100%
Special benefit for suite
US$3,000 per day within the preferred network
Intensive care unit
100%
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured
• US$5,000
• US$50 per day, max. of 10 days for guest meals
• US$5,000
• US$50 per day, max. of 10 days for guest meals
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
100%
Complementary therapy
Occupational therapy, chiropractor, podiatrist, psychiatrist/psychologist, speech therapy, homeopathy and/or acupuncture
• 100% up to 80 visits, all therapies combined
Nutritionist
• 100% up to 5 visits
• 100% up to 80 visits, all therapies combined
Nutritionist
• 100% up to 5 visits
Nurse care at home
100%
Preventive health checkup
No deductible applies, after a 10-month waiting period
Options II & III
• 100% from 0 to 6 months old, up to 7 visits, including vaccines and medical exams
All options
• US$900 from 6 months and older, including nutritionist visits
HPV (treatment and vaccine)
• US$7,500 per lifetime
Options II & III
• 100% from 0 to 6 months old, up to 7 visits, including vaccines and medical exams
All options
• US$900 from 6 months and older, including nutritionist visits
HPV (treatment and vaccine)
• US$7,500 per lifetime
Hearing aids
N/A
Alzheimer’s disease
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
Autism
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
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$35,000 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% for prosthetics, implants, orthopedic devices and appliances, and highly specialized drugs
Organ and tissue transplant
Per organ/tissue
• US$2,000,000 per lifetime
• US$2,000,000 per lifetime
Benefits for live donors
US$80,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
100%
Allergy treatments
N/A
Physical therapy and rehabilitation
100%
Specialized treatments
Occupational therapy
• Included in the complementary therapies benefit at 100% up to 80 visits
• Included in the complementary therapies benefit at 100% up to 80 visits
Congenital conditions diagnosed before age 18
100%
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$50,000 per lifetime, 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 at 100% up to 80 visits
Mental health prescription medication
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options II & III, including circumcision
• US$12,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$17,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Options II & III, including circumcision
• US$12,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$17,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Maternity and birth complications
No deductible applies, after a 10-month waiting period
Options II & III
• US$10,000,000 per lifetime
Options IV, V & VI
• US$500,000 per lifetime (with optional rider)
Options II & III
• US$10,000,000 per lifetime
Options IV, V & VI
• US$500,000 per lifetime (with optional rider)
Inclusion of the newborn
Options II & III
• 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
Options II & III
• US$2,000 per lifetime
• US$2,000 per lifetime
Fertility treatment
After a 24-month waiting period
• US$5,000 per lifetime
• US$5,000 per lifetime
Neonatal Intensive Care Unit (NICU)
No deductible applies
Options II & III
Provisional coverage for the newborn
• US$50,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Options II & III
Provisional coverage for the newborn
• US$50,000 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 II & III
• Included in the maternity benefit up to US$12,500 if only the mother is covered and US$17,500 if both parents are covered
• Included in the maternity benefit up to US$12,500 if only the mother is covered and US$17,500 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
100%
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
Included in the benefit for injuries during training or practice of professional sports at 100% except dangerous sports and/or activities
Injuries during the training or practice of professional sports
100% for a wide range of activities and sports, including professional sports, provided that such activity or sport is not a hazardous activity
Emergency dental coverage
100% for treatment within the first 365 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$35,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
• US$35,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
Refractive eye surgery
US$600 per lifetime
Palliative care for terminal cases
100%
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
N/A
Elimination/reduction of deductible for no claims made or not having met the deductible
Options II, III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims and no change in policy deductible, excluding preventive health checkup, deductible must not be higher than US$5,000
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims and no change in policy deductible, excluding preventive health checkup, deductible must not be higher than US$5,000
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
• US$50,000 per policy year
• US$200,000 per lifetime
• US$200,000 per lifetime
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
Exclusions to this benefit are mentioned in the corresponding section, but the specific benefit is not mentioned in the rest of the policy
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
N/A
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