Palig Panama World Access
Type of plan
World Access
Maximum coverage per insured
US$5,000,000 per policy year
Age limit to apply
75
Waiting period
60 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%
Special benefit for suite
N/A
Intensive care unit
100%
Adult companion accommodation during a hospitalization
US$100 per night
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Prescribed medications
100%
Complementary therapy
Alternative therapy
• 100% up to 20 sessions
• 100% up to 20 sessions
Nurse care at home
100%
Preventive health checkup
US$600 no deductible applies
Hearing aids
N/A
Alzheimer’s disease
US$100,000 per lifetime
Autism
N/A
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%
Surgery to reduce the risk of cancer or prophylactic surgery
N/A
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$1,500,000 per lifetime
• US$1,500,000 per lifetime
Benefits for live donors
US$50,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
100%
Allergy treatments
N/A
Physical therapy and rehabilitation
100%
Specialized treatments
Sleep apnea
• 100%
• 100%
Congenital conditions diagnosed before age 18
US$1,000,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$500,000 per lifetime
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options I & II
• US$7,500
Nurse care at home benefit
• US$750
Options I & II
• US$7,500
Nurse care at home benefit
• US$750
Maternity and newborn complications
No deductible applies, after a 10-month waiting period
Options I & II
• US$1,000,000
Options I & II
• US$1,000,000
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
No deductible applies, after a 10-month waiting period
Options I & II
• US$2,000
Options I & II
• US$2,000
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Options I & II
• Included in the maternity and newborn complications benefit up to US$1,000,000
• Included in the maternity and newborn complications benefit up to US$1,000,000
Pre-natal and post-natal care
Options I & II
• Included in the maternity benefit up to US$7,500
• Included in the maternity benefit up to US$7,500
Medical Evacuation Benefits
Emergency transportation by ground ambulance
US$150,000 no deductible applies
Emergency transportation by air ambulance
100% no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
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
N/A
Emergency dental coverage
100%
Reconstructive surgery after an accident or illness
100% if medically necessary and as a result of a medical condition covered by the policy
Refractive eye surgery
N/A
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 for insured members of the family
Free coverage for dependents
N/A
Deductible elimination/reduction for no claims made
Options I, II & III
• Reduction of 50% for the first claim after the end of the 3rd year without having a covered claim
• Reduction of 50% for the first claim after the end of the 3rd year without having a covered claim
Deductible elimination
Serious accident, all options
• Elimination of deductible in case of serious accident where hospitalization is required
Accident, options I, II & III
• Elimination of deductible for first medical treatment, hospital or emergency center in or out of the country of residence
• Elimination of deductible in case of serious accident where hospitalization is required
Accident, options I, II & III
• Elimination of deductible for first medical treatment, hospital or emergency center in or out of the country of residence
Second medical opinion
Included
Prosthetic limbs
Included in the durable medical equipment benefit of 100%
Routine and major dental treatment
N/A
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
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%
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
Included
Travel assistance
Options I, II & III
• Elimination of the deductible for emergency treatment due to illness
• Elimination of the deductible for emergency treatment due to illness
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