NextGen WorldCare

Type of plan
WorldCare
Maximum coverage per insured
US$5,000,000 per policy year
Age limit to apply
65
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
• 100% within 100 selected hospitals
• 60% if coverage is not provided in such 100 selected hospitals
• Medical treatment in case of life threatening emergencies and/or accidents will be covered at 100% up to policy limit
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit

Private duty nursing
• 100%
Special benefit for suite
N/A
Intensive care unit
100% up to the coverage limit
Adult companion accommodation during a hospitalization
US$150 per night, up to 30 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
US$200 per visit
Physician and specialist home visits
Not specified
Prescribed medications
US$10,000
Complementary therapy
Chiropractic, osteopathy, psychiatry, speech therapy and/or psychological services when prescribed by a physician
• US$100 per session, up to 20 sessions
Nurse care at home
US$15,000 includes therapist and medical equipment
Preventive health checkup
Options I & II, no deductible applies
• Up to 5 visits from 0 to 6 months of age, includes vaccines
• US$200 from 6 months through 17 years of age
• US$200 from 18 years of age and older
Hearing aids
US$500 per lifetime
Alzheimer’s disease
Not specified
Autism
Not specified
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%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
US$20,000 for prophylactic mastectomy, after 12-month waiting period
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$500,000 per lifetime
Benefits for live donors
US$30,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
US$100,000
Allergy treatments
N/A
Physical therapy and rehabilitation
Inpatient
• N/A
Outpatient
• US$100 per session, up to 100 sessions
Specialized treatments
Sleep apnea and other sleep disorders
• US$2,000
Congenital conditions diagnosed before age 18
US$500,000 per lifetime
Congenital conditions diagnosed after age 18
US$2,000,000 per lifetime
HIV-AIDS
US$250,000 per lifetime, after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
100% after a 24-month waiting period
Bariatric surgery
N/A
Psychology
Included in the complementary therapies benefit up to US$100 per session, up to 20 sessions
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options I & II
• US$4,000 per pregnancy
Maternity and birth complications
No deductible applies, after a 10-month waiting period
Options I & II
• US$500,000 per covered pregnancy, 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
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 maternity and newborn bomplications benefit up to US$500,000
Pre-natal and post-natal care
Not specified
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
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$20,000
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% for treatment during the first 270 days following the covered accident
Reconstructive surgery after an accident or illness
N/A
Refractive eye surgery
N/A
Palliative care for terminal cases
100% outpatient only

Custodial care
• US$1,000
Temporary coverage for accidents while application is being underwritten
Not specified
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
N/A
Deductible elimination
Elimination of deductible up to US$5,000 for all in-network hospitalizations in the priority network
Second medical opinion
Included
Prosthetic limbs
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
Not specified
Catastrophic and chronic illnesses that survive the contracting of the service
N/A
Catastrophic and unusual conditions
N/A
Medical emergency
Hospitalization due to serious accident, 24 hours or more
• 100% no deductible applies
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
N/A
Travel assistance
Accident travel coverage when traveling outside the country of residence, with no deductible
• 100% up to 30 days
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