GBG Globalmex Premium (exclusive for Mexico)
Type of plan
Globalmex Premium (exclusive for Mexico)
Maximum coverage per insured
• US$5,000,000 per policy year
• US$10,000,000 per lifetime for the same accident or illness
• US$10,000,000 per lifetime for the same accident or illness
Age limit to apply
74
Waiting period
30 days
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%
Special benefit for suite
N/A
Intensive care unit
100%
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• US$300 per night, max. of 30 nights
• US$300 per night, max. of 30 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
100%
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Prescribed medications
100%
Complementary therapy
Osteopathic, chiropractic, psychiatric, homeopathic and speech therapy
• 100% up to 30 visits, all therapies combined
• 100% up to 30 visits, all therapies combined
Nurse care at home
100% up to 180 days
Preventive health checkup
No deductible applies, after a 10-month waiting period
• 100% from 0 to 6 months old, up to 6 visits, including vaccines and routine visits
No deductible applies, after a 6-month waiting period
• US$750 from 6 months to 18 years old
• US$750 from 18 years and older
• 100% from 0 to 6 months old, up to 6 visits, including vaccines and routine visits
No deductible applies, after a 6-month waiting period
• US$750 from 6 months to 18 years old
• US$750 from 18 years and older
Hearing aids
N/A
Alzheimer’s disease
N/A
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%
Prophylactic surgery to reduce the risk of cancer
US$10,000 per lifetime, for gynecological cancer only (mastectomy and/or oophorectomy) and/or BRCA testing
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$1,500,000 per lifetime
• US$1,500,000 per lifetime
Benefits for live donors
US$50,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
100%
Allergy treatments
N/A
Physical therapy and rehabilitation
100%
Specialized treatments
Occupational therapist
• Included in the physical therapy and rehabilitation benefit
• Included in the physical therapy and rehabilitation benefit
Congenital conditions diagnosed before age 18
US$2,000,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$1,000,000 per lifetime, after a 36-month waiting period
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options I & II
• US$12,000 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$15,000 per pregnancy for normal or cesarean delivery, if both parents are covered
Options I & II
• US$12,000 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$15,000 per pregnancy for normal or cesarean delivery, if both parents are covered
Maternity and birth complications
After a 10-month waiting period
Options I & II, no deductible applies
• US$1,000,000 per covered pregnancy, per lifetime
Options III, IV & V, after deductible
• US$500,000 for all pregnancies combined, per lifetime
Options I & II, no deductible applies
• US$1,000,000 per covered pregnancy, per lifetime
Options III, IV & V, after deductible
• US$500,000 for all pregnancies combined, 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 60 days of birth
• 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
Options I & II
• US$1,000 per covered pregnancy, per lifetime
• US$1,000 per covered pregnancy, per lifetime
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Included in maternity and newborn complications benefit up to US$1,000,000 no deductible applies for options I & II, and US$500,000 after deductible for options III, IV & V
Pre-natal and post-natal care
Options I & II
• Included in the maternity benefit up to US$12,500 if only the mother is covered and US$17,500 if both parents are covered
• Included in the maternity benefit up to US$12,500 if only the mother is covered and US$17,500 if both parents are covered
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
Emergency transportation by air ambulance
100% no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$2,000 per person for economy class tickets, within 90 days of the occurrence
Repatriation of mortal remains
US$50,000
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
US$300,000
Emergency dental coverage
100% for treatment within the first 120 days of the covered accident
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
US$1,000 per lifetime
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
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
N/A
Second medical opinion
Included
Prosthetic limbs
• US$70,000 per policy year
• US$500,000 per lifetime
• US$500,000 per lifetime
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
100% for medical expenses arising from bodily injury caused by acts of terrorism
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
Inside Mexico
• 100% no deductible applies
Outside Mexico
• 100%
• 100% no deductible applies
Outside Mexico
• 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
N/A
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A