William Russell SilverLite

Type of plan
SilverLite
Maximum coverage per insured
US$1,500,000 per policy year
Age limit to apply
75
Waiting period
N/A

Specific waiting periods don't apply to businesses that choose medical history disregarded as their underwriting type, or businesses insuring 20+ employees
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% for semi-private room
• Private hospítal room: optional cover
Special benefit for suite
N/A
Intensive care unit
100%
Adult companion accommodation during a hospitalization
100% for parent accomodation

Accommodation expenses of a companion
• Included in the expat benefits up to US$150 per night
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
Up to the annual limit for outpatient treatment
Physician and specialist visits
Up to US$250 per period of cover up to the annual limit for outpatient treatment
Physician and specialist home visits
Not specified
Prescribed medications
Outpatient treatment
• US$5,000 base coverage
• US$7,500 optional coverage A
• US$10,000 optional coverage B
Complementary therapy
N/A
Nurse care at home
Up to 2 weeks per medical condition
Preventive health checkup
Primary medical care
• US$1,500 base coverage
• US$2,500 optional coverage A
• US$3,500 optional coverage B
Hearing aids
Not specified
Alzheimer’s disease
N/A
Autism
N/A
Outpatient surgery
Up to the annual limit for outpatient treatment
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
Outpatient
• Not specified
Inpatient
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%

Genome test
• Up to US$6,000

Wigs
• US$150 per lifetime

Counselling
• US$500 per lifetime

Dietitian
• US$100 per lifetime
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
Not specified
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
100%
Benefits for live donors
US$25,000 per transplant
Durable medical equipment
Prosthetic implants
• 100%

Prosthetic devices
• US$1,000 per device
Allergy treatments
Not specified
Physical therapy and rehabilitation
Outpatient
• US$250

Rehabilitation treatment
• Up to 7 days per medical condition
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
US$20,000 per lifetime
Congenital conditions diagnosed after age 18
Included in the congenital conditions diagnosed before age 18 benefit up to US$20,000
HIV-AIDS
US$5,000 after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
Not specified
Bariatric surgery
Not specified
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
Routine maternity care and routine care of newborns
• Optional up to US$5,000 (for businesses only)
Maternity and birth complications
US$10,000 after a 12-month waiting period
Inclusion of the newborn
N/A
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Not specified
Pre-natal and post-natal care
US$1,600
Medical Evacuation Benefits
Emergency transportation by ground ambulance
US$1,600
Emergency transportation by air ambulance
Covered at 100% if the medevac plus optional coverage is selected
Insured’s and companion’s return ticket after an evacuation by air ambulance
Included in the expat benefits at 100%
Repatriation of mortal remains
Included in the expat benefits up to US$5,000

Burial or cremation
• US$1,600
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
Not specified
Injuries during the training or practice of professional sports
Not specified
Emergency dental coverage
• US$5,000 for emergency restorative treatment that the insured receive as an inpatient
• Dental Basic US$500 per period of cover, after a 6-month waiting period, subject to a 20% co-insurance (only if you select this option)
Reconstructive surgery after an accident or illness
100%
Refractive eye surgery
Not specified
Palliative care for terminal cases
US$50,000
Temporary coverage for accidents while application is being underwritten
Not specified
Free extended coverage for eligible dependents after policyholder’s death
Not specified
Free coverage for dependents
Not specified
Elimination/reduction of deductible for no claims made or not having met the deductible
Not specified
Deductible elimination
Not specified
Second medical opinion
Not specified
Prosthetic limbs
Included in the prosthetic devices benefit up to US$1,000 per device
Routine and major dental treatment
Dental Basic coverage
• US$500 subject to a 20% co-insurance, after a 6-month waiting period
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
Not specified
Term life insurance
Not specified
Declared pre-existing conditions
Not specified
Catastrophic and chronic illnesses that survive the contracting of the service
Acute flare-ups
• Cover for inpatient & daypatient treatment, with outpatient treatment subject to the benefit limit for primary medical care of US$1,500

Monitoring and maintenance
• Up to the benefit limit for primary medical care of US$1,500
Catastrophic and unusual conditions
Not specified
Medical emergency
100%
Illness or injury in private aircraft
Not specified
Contraceptive treatments
Not specified
Patient concierge services
24-hour medical assistance helpline, included in the expat benefits at 100%
Travel assistance
Not specified
Hospital cash benefit
US$200 per night
Optional additional benefits
Evacuation to country of choice, country of residence or home country
Covered at 100% if the medevac plus optional coverage is selected
Non-emergency evacuation
Not specified
Pre-existing conditions waiting period waiver
Not specified