Palig Panama Preferred Access

Type of plan
Preferred Access
Maximum coverage per insured
US$3.000.000 por año póliza
Age limit to apply
75
Waiting period
60 días
Coverage outside USA
100% con libre elección de médicos y hospitales a nivel mundial
Coverage inside USA
• 100% a través de la red de proveedores Palig
• 60% para atenciones electivas fuera de la red de proveedores preferenciales
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 por noche
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 sin deducible
Hearing aids
N/A
Alzheimer’s disease
US$50.000 vitalicio
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
Exámenes de laboratorio, patologías, rayos-X, resonancias magnéticas, tomografías
• 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
Por órgano/tejido
• US$750.000 vitalicio
Benefits for live donors
US$25.000 vitalicio, incluido en el beneficio de trasplante de órganos y tejidos
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 vitalicio
Congenital conditions diagnosed after age 18
US$1.000.000 vitalicio
HIV-AIDS
US$250.000 vitalicio
Surgical treatment of symptomatic foot disorders
US$20.000
Bariatric surgery
US$10.000 vitalicio
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
Sin deducible
Opciones I y II
• US$4.500 por embarazo
Maternity and newborn complications
Sin deducible
Opciones I y II
• US$500.000 vitalicio
Inclusion of the newborn
Sujeto a evaluación de riesgos
Extraction and storage of umbilical cord blood stem cells
Opciones I y II
• US$1.500
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Opciones I y II
• Incluido en el beneficio de complicaciones de la maternidad y del recién nacido hasta US$500.000
Pre-natal and post-natal care
Opciones I y II
• Incluido en el beneficio de maternidad hasta US$4.500
Medical Evacuation Benefits
Emergency transportation by ground ambulance
US$50.000 sin deducible
Emergency transportation by air ambulance
US$100.000 sin deducible
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% si es médicamente necesario y como resultado de una condición médica cubierta por la póliza
Refractive eye surgery
N/A
Palliative care for terminal cases
100%
Temporary coverage for accidents while application is being underwritten
100% por accidentes o enfermedades infecciosas
Free extended coverage for eligible dependents after policyholder’s death
2 años para los asegurados que pertenezcan a su núcleo familiar
Free coverage for dependents
N/A
Deductible elimination/reduction for no claims made
Opciones I, II y III
• Reducción de hasta 50% por 1 año después del 3er año sin presentar reclamos
Deductible elimination
Accidente grave, todas las opciones
• Eliminación del deducible en caso de accidente grave donde se requiera una hospitalización

Accidente, opciones I, II y III
• Eliminación del deducible al primer tratamiento médico, hospital o centro de emergencias dentro o fuera del país de residencia
Second medical opinion
Incluida
Prosthetic limbs
Incluido en el beneficio de equipo médico durable hasta 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
Cubierto cuando se detalla en la solicitud, sujeto a evaluación
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
N/A
Travel assistance
Opciones I, II y III
• Eliminación del deducible para tratamiento por emergencia por enfermedad
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