Bupa Colombia Global Ultimate
Type of plan
Global Ultimate
Maximum coverage per insured
Unlimited
Age limit to apply
75
Waiting period
N/A
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%
Personal expenses such as newspapers, TV rental TV service and meals for visitors
• US$20 per night
Personal expenses such as newspapers, TV rental TV service and meals for visitors
• US$20 per night
Special benefit for suite
Included in the standard private hospital room benefit of 100%, worldwide
Intensive care unit
100%
Adult companion accommodation during a hospitalization
• 100% for extra bed in the hospital for companion in the same room
• US$17,000 for lodging expenses for companion in case of hospitalization
• US$17,000 for lodging expenses for companion in case of hospitalization
Prescribed medications while hospitalized
• In Colombia: US$5,000
• Outside Colombia: 100%
• Outside Colombia: 100%
Psychiatric treatments
In Colombia
• 100% for mental health
• 100% up to 45 days for treatment for anxiety crisis or psychotic crisis during hospitalization
Outside Colombia
• US$70,000
• 100% for mental health
• 100% up to 45 days for treatment for anxiety crisis or psychotic crisis during hospitalization
Outside Colombia
• US$70,000
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
US$5,000 only in Colombia
Physician and specialist home visits
N/A
Prescribed medications
• In Colombia: US$5,000
• Outside Colombia: 100%
• Outside Colombia: 100%
Complementary therapy
Only outside Colombia
• 100% for acupuncture and reflexology
• 100% for physiotherapists, osteopaths and chiropractors
• 100% for alternative medicine consultations: naturopathy, homeopathy, Chinese medicine
• 100% for nutritional counseling
• 100% for acupuncture and reflexology
• 100% for physiotherapists, osteopaths and chiropractors
• 100% for alternative medicine consultations: naturopathy, homeopathy, Chinese medicine
• 100% for nutritional counseling
Nurse care at home
100%
Preventive health checkup
General health exam
• US$7,500 no deductible applies, after a 10-month waiting period
Vaccinations for children, influenza and HPV
• 100%
Travel vaccinations, pneumococcal, malaria medicine
• 100%
Eye exam
• 100% no deductible applies
Preventive dental exam
• 100% no deductible applies, after a 6-month waiting period
Cancer genetic testing
• 100%
• US$7,500 no deductible applies, after a 10-month waiting period
Vaccinations for children, influenza and HPV
• 100%
Travel vaccinations, pneumococcal, malaria medicine
• 100%
Eye exam
• 100% no deductible applies
Preventive dental exam
• 100% no deductible applies, after a 6-month waiting period
Cancer genetic testing
• 100%
Hearing aids
100%
Alzheimer’s disease
US$100,000 per lifetime
Autism
US$50,000
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%
Prophylactic surgery to reduce the risk of cancer
100%
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
100%
Benefits for live donors
Included in the organ transplant benefit
Durable medical equipment
100%
Allergy treatments
N/A
Physical therapy and rehabilitation
Hospitalization
• Included in the benefit of specialized treatments / physiotherapists at 100%
Outpatient
• 100% for professional nurses, only outside Colombia
• 100% for multidisciplinary rehabilitation
• Included in the benefit of specialized treatments / physiotherapists at 100%
Outpatient
• 100% for professional nurses, only outside Colombia
• 100% for multidisciplinary rehabilitation
Specialized treatments
Hospitalization
• 100% for physiotherapists, occupational therapists, kinesiologists, speech therapists and nutritionists
Outpatient
• 100% only outside Colombia for occupational therapists and orthoptists
• 100% for physiotherapists, occupational therapists, kinesiologists, speech therapists and nutritionists
Outpatient
• 100% only outside Colombia for occupational therapists and orthoptists
Congenital conditions diagnosed before age 18
100%
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$1,500,000 per lifetime, after a 12-month waiting period
Surgical treatment of symptomatic foot disorders
100% only outside Colombia for podiatry (podiatrist, chiropodist, orthopedic specialist)
Psychology
Outpatient mental health
• In Colombia: 100%
• Outside Colombia: US$70,000 for up to 20 days
• In Colombia: 100%
• Outside Colombia: US$70,000 for up to 20 days
Mental health prescription medication
Included in the outpatient mental health benefit of 100% in Colombia and US$70,000 for up to 20 days outside of Colombia
Maternity Benefits
Maternity
100%
Maternity and birth complications
100% only in Colombia
Inclusion of the newborn
Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 60 days of birth
Extraction and storage of umbilical cord blood stem cells
US$1,500 per birth, per lifetime, only in Colombia
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Included in maternity and newborn complications benefit of 100%, only in Colombia
Pre-natal and post-natal care
Included in the maternity benefit for covered pregnancies
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
Emergency transportation by air ambulance
100%
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$16,000 up to 10 days
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
100%
Emergency dental coverage
100%
Reconstructive surgery after an accident or illness
100%
Refractive eye surgery
100%
Palliative care for terminal cases
100%
Temporary coverage for accidents while application is being underwritten
N/A
Free extended coverage for eligible dependents after policyholder’s death
2 years
Free coverage for dependents
Up to 16 years of age, maximum 2 dependents, as long as one parent is insured under the policy
Elimination/reduction of deductible for no claims made or not having met the deductible
N/A
Deductible elimination
Elimination of deductible in case of accidents
Second medical opinion
Not specified
Prosthetic limbs
100%
Routine and major dental treatment
• US$4,000 for non-esthetic major restoration, after a 6-month waiting period
• US$4,000 for non-esthetic orthodontics, after a 12-month waiting period
• US$4,000 for non-esthetic orthodontics, after a 12-month waiting period
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
N/A
Travel assistance
N/A
Hospital cash benefit
N/A
Optional additional benefits
Evacuation to country of choice, country of residence or home country
100% includes non-medical evacuation in case of conflicts and natural disasters
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A