GBG Global Freedom Plus
Type of plan
Global Freedom Plus
Maximum coverage per insured
US$7,000,000 per policy year
Age limit to apply
75
Waiting period
Not specified
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$2,000 per day within the preferred provider network
Intensive care unit
100%
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured
• US$3,000
• 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
100%
Complementary therapy
Occupational therapy, osteopath, chiropractor, psychiatrist, speech therapy and/or homeopathy
• 100% up to 20 visits, all therapies combined
• 100% up to 20 visits, all therapies combined
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 6 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older, including nutritionist visits
Options II & III
• 100% from 0 to 6 months old, up to 6 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older, including nutritionist visits
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$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% for prosthetics, implants, orthopedic devices and appliances, and highly specialized drugs
Organ and tissue transplant
Per organ/tissue
• US$1,000,000 per lifetime
• US$1,000,000 per lifetime
Benefits for live donors
US$60,000 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 20 visits
• Included in the complementary therapies benefit at 100% up to 20 visits
Congenital conditions diagnosed before age 18
US$1,000,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$25,000 per lifetime, after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
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$8,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$12,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Options II & III, including circumcision
• US$8,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$12,500 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$1,000,000 per lifetime
Options IV, V & VI
• US$500,000 per lifetime (with optional rider)
Options II & III
• US$1,000,000 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$1,000 per lifetime
• US$1,000 per lifetime
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
No deductible applies
Options II & III
Provisional coverage for the newborn
• US$30,000 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$30,000 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$8,500 if only the mother is covered and US$12,500 if both parents are covered
• Included in the maternity benefit up to US$8,500 if only the mother is covered and US$12,500 if both parents are covered
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
Emergency transportation by air ambulance
US$125,000 per event, 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)
Not specified
Injuries during the training or practice of professional sports
US$300,000
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$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%
Temporary coverage for accidents while application is being underwritten
N/A
Free extended coverage for eligible dependents after policyholder’s death
N/A
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$40,000 per policy year
• US$150,000 per lifetime
• US$150,000 per lifetime
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
• US$125,000 per policy year
• US$500,000 per family
• US$500,000 per family
Term life insurance
N/A
Declared pre-existing conditions
Covered when disclosed in the application, benefit will be previously evaluated and subject to a 12-month waiting period
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
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