Palig Panama Preferred Access
Type of plan
Preferred Access
Maximum coverage per insured
US$3,000,000 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% through the Palig provider network
• 60% for elective care outside of the preferred provider network
• 60% for elective care outside of the preferred provider network
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
US$10,000
Complementary therapy
N/A
Nurse care at home
US$6,000
Preventive health checkup
US$300 no deductible applies
Hearing aids
N/A
Alzheimer’s disease
US$50,000 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$750,000 per lifetime
• US$750,000 per lifetime
Benefits for live donors
US$25,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
US$6,000
Allergy treatments
N/A
Physical therapy and rehabilitation
US$6,000
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
US$300,000 per lifetime
Congenital conditions diagnosed after age 18
US$1,000,000 per lifetime
HIV-AIDS
US$250,000 per lifetime
Surgical treatment of symptomatic foot disorders
US$20,000
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies
Options I & II
• US$4,500 per pregnancy
Options I & II
• US$4,500 per pregnancy
Maternity and newborn complications
No deductible applies
Options I & II
• US$500,000 per lifetime
Options I & II
• US$500,000 per lifetime
Inclusion of the newborn
Subject to underwriting
Extraction and storage of umbilical cord blood stem cells
Options I & II
• US$1,500
• US$1,500
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$4,500
• Included in the maternity benefit up to US$4,500
Medical Evacuation Benefits
Emergency transportation by ground ambulance
US$50,000 no deductible applies
Emergency transportation by air ambulance
US$100,000 no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
US$6,000
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
US$250,000
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 up to 50% for 1 policy year after the end of the 3rd year without claims
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
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 up to US$6,000
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
Options I, II & III
• Elimination of the deductible for emergency treatment due to illness
• Elimination of the deductible for emergency treatment due to illness
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