Bupa Ecuador Global Premier
Type of plan
Global Premier
Maximum coverage per insured
US$5,000,000 per policy year
Age limit to apply
Unlimited
Waiting period
• 30 days for outpatient treatment
• 90 days for inpatient treatment
• 90 days for inpatient treatment
Coverage outside USA
Ecuador
• 100% without restrictions of doctors and hospitals
Rest of the world
• Only through the Bupa Global Network
• 100% without restrictions of doctors and hospitals
Rest of the world
• Only through the Bupa Global Network
Coverage inside USA
100% within the preferred provider network
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit
Special benefit for suite
N/A
Intensive care unit
100% up to the coverage limit
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18 or older than 75
• 100%
• 100%
Prescribed medications while hospitalized
100%
Psychiatric treatments
Mental Health during hospitalization
• 100% up to 90 visits, per lifetime
Treatment for anxiety or psychotic crisis during hospitalization
• US$30,000
• 100% up to 90 visits, per lifetime
Treatment for anxiety or psychotic crisis during hospitalization
• US$30,000
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
Not specified
Prescribed medications
Option I
• 80% up to US$5,000, a 20% coinsurance applies
• 100% after US$5,000
Options II, III, IV & V
• 100%
• 80% up to US$5,000, a 20% coinsurance applies
• 100% after US$5,000
Options II, III, IV & V
• 100%
Complementary therapy
Alternative medicine consultations, naturopathy, homeopathy and chinese medicine
• 100% up to 15 visits
• 100% up to 15 visits
Nurse care at home
Home Nursing
• US$300 per day, up to 60 days
Nurse practitioners as outpatient treatment
• 100% up to 30 days
• US$300 per day, up to 60 days
Nurse practitioners as outpatient treatment
• 100% up to 30 days
Preventive health checkup
No deductible, after a 10-month waiting period
• US$800 for general health examination
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccinations
• 80% up to US$800, no deductible applies
Preventive dental exam, after 1 month waiting period
• 100% up to 2 visits, no deductible
Eye exam
• 100% for 1 visit, no deductible
• US$800 for general health examination
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccinations
• 80% up to US$800, no deductible applies
Preventive dental exam, after 1 month waiting period
• 100% up to 2 visits, no deductible
Eye exam
• 100% for 1 visit, no deductible
Hearing aids
80% up to US$1,000
Alzheimer’s disease
Mental Health
• 100% up to 30 visits
• 100% up to 30 visits
Autism
US$20,000 including medications
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
Preventive surgery
• 100%
• 100%
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$1,000,000 per lifetime
• US$1,000,000 per lifetime
Benefits for live donors
Included in the organ and tissue transplant benefit up to US$1,000,000, no limit specified
Durable medical equipment
100%
Eyeglasses and contact lenses
• 80% up to US$1,000
Eyeglasses and contact lenses
• 80% up to US$1,000
Allergy treatments
N/A
Physical therapy and rehabilitation
Multidisciplinary rehabilitation
• 100% up to 60 days
• 100% up to 60 days
Specialized treatments
Inpatient
• Physical therapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%
Outpatient
• Physical therapy, osteopathy and chiropractics, 100% up to 30 visits
• Nutritional counseling, 100% up to 4 visits
• Physical therapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%
Outpatient
• Physical therapy, osteopathy and chiropractics, 100% up to 30 visits
• Nutritional counseling, 100% up to 4 visits
Congenital conditions diagnosed before age 18
US$500,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$500,000 per lifetime, after a 3-month waiting period for inpatient procedures and 1-month waiting period for outpatient procedures
Surgical treatment of symptomatic foot disorders
100% up to 30 visits
Psychology
Mental Health
• 100% up to 30 visits
• 100% up to 30 visits
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 60-day waiting period
Options I & II
• US$7,000 per pregnancy for normal or cesarean delivery
• US$7,000 per pregnancy, medically necessary c-section
Options I & II
• US$7,000 per pregnancy for normal or cesarean delivery
• US$7,000 per pregnancy, medically necessary c-section
Maternity and birth complications
No deductible applies, after a 60-day waiting period
Options I & II
• US$500,000 per lifetime
Options I & II
• US$500,000 per lifetime
Inclusion of the newborn
Options I & II
• 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)
Options I & II
• Included in the maternity and newborn complications benefit up to US$500,000
• Included in the maternity and newborn complications benefit up to US$500,000
Pre-natal and post-natal care
Options I & II
• Included in the maternity benefit up to US$7,000
• Included in the maternity benefit up to US$7,000
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
Emergency transportation by air ambulance
100%
Insured’s and companion’s return ticket after an evacuation by air ambulance
100%
Travel costs for one accompanying person
• 100%
Food and transportation costs for accompanying person
• US$150 per day, up to 10 days
Travel costs for children's relocation
• 100%
Travel costs for one accompanying person
• 100%
Food and transportation costs for accompanying person
• US$150 per day, up to 10 days
Travel costs for children's relocation
• 100%
Repatriation of mortal remains
100%
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
100%
Injuries during the training or practice of professional sports
100%
Emergency dental coverage
100% as long as the first expense is incurred within 30 days after the accident
Reconstructive surgery after an accident or illness
100%
Refractive eye surgery
80% up to US$1,500 per eye, per lifetime
Palliative care for terminal cases
100%
Temporary coverage for accidents while application is being underwritten
Not specified
Free extended coverage for eligible dependents after policyholder’s death
1 year 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
N/A
Deductible elimination
N/A
Second medical opinion
Included
Prosthetic limbs
100% up to 2 replacements
Routine and major dental treatment
Dental treatment, after a 6-month waiting period
• 80% up to US$1,000 for fillings, root canal, tooth extraction, and anesthesia
Major non-esthetic restoration, after a 6-month waiting period
• 80% up to US$1,000 for bridges, crowns, dental implants and dentures
• 80% up to US$1,000 for fillings, root canal, tooth extraction, and anesthesia
Major non-esthetic restoration, after a 6-month waiting period
• 80% up to US$1,000 for bridges, crowns, dental implants and dentures
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
N/A
Declared pre-existing conditions
Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 24-month waiting period
Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Catastrophic and chronic illnesses that survive the contracting of the service
Rare and orphan or catastrophic diseases treated in Ecuador
• US$1,000,000
• US$1,000,000
Catastrophic and unusual conditions
N/A
Medical emergency
100%
Illness or injury in private aircraft
N/A
Contraceptive treatments
Covered, not specified amount in sales material
Patient concierge services
Not specified
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