Best Doctors Premier Care
Type of plan
Premier Care
Cobertura máxima por segurado
US$7,000,000 per policy year
Idade limite para solicitar cobertura
74
Período de carência
30 days
Cobertura fora dos Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro dos Estados Unidos
• 100% through the Premiercare
• Outside the Premiercare coverage will be at 60% with a maximum daily room rate of up to US$600 for a standard room and up to US$1,200 for intensive care
• Emergency medical treatment will be covered 100% up to the policy limits
• Outside the Premiercare coverage will be at 60% with a maximum daily room rate of up to US$600 for a standard room and up to US$1,200 for intensive care
• Emergency medical treatment will be covered 100% up to the policy limits
Coberturas Hospitalares
Quarto de hospital padrão particular
100% up to the coverage limit
Benefício especial para uma suíte
N/A
Unidade de cuidados intensivos
100% up to the coverage limit
Acompanhante durante uma hospitalização
Related to a hospitalization of an insured under age 18
• US$300 per night, max. of 10 nights
• US$300 per night, max. of 10 nights
Medicamentos prescritos durante uma internação
100%
Tratamento hospitalar para saúde mental
Included in the specialized treatments benefit up to US$5.000
Coberturas Ambulatoriais
Sala de emergência
100%
Consultas médicas e de especialistas
100%
Consultas médicas e de especialistas em residência
N/A
Sólo disponible en Lima, Perú
• Coordinación directa de beneficios a través de convenio con Grupo Sanna considerando costos preferenciales, incluye descuentos en farmacias referidas
Sólo disponible en Lima, Perú
• Coordinación directa de beneficios a través de convenio con Grupo Sanna considerando costos preferenciales, incluye descuentos en farmacias referidas
Medicamentos prescritos
100%
Terapias complementares
Acupuncture, hypnotism, therapeutic massages and reflexology
• US$200 all therapies combined, no deductible applies
Chiropractor, nutritionist, stop smoking therapy and/or sterilization procedure
• Included in the preventive health checkup benefit up to US$350 for options I, II, III & IV and US$200 for options V &VI
• US$200 all therapies combined, no deductible applies
Chiropractor, nutritionist, stop smoking therapy and/or sterilization procedure
• Included in the preventive health checkup benefit up to US$350 for options I, II, III & IV and US$200 for options V &VI
Cuidados de enfermagem no domicílio / home care
100%
Exame médico preventivo (check-up)
No deductible applies
Options I, II, III & IV
• US$350 from 18 years and older
• Colon cancer screening, US$1,200 from 50 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Options V & VI
• US$200 from 18 years and older
All options
Only available in Lima, Peru, no deductible applies
• Direct benefit coordination through lower cost executive medical check-up BD Well Care packages in these clinics: Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment available in the clinics and include diagnostic study services
Options I, II, III & IV
• US$350 from 18 years and older
• Colon cancer screening, US$1,200 from 50 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Options V & VI
• US$200 from 18 years and older
All options
Only available in Lima, Peru, no deductible applies
• Direct benefit coordination through lower cost executive medical check-up BD Well Care packages in these clinics: Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment available in the clinics and include diagnostic study services
Aparelhos auditivos
N/A
Doença de Alzheimer
100%
Autismo
Included in the specialized treatments benefit up to US$5.000
Cirurgia ambulatorial
100%
Terapia de reposição hormonal para aliviar os sintomas da menopausa
N/A
Benefícios Gerais
Honorários do cirurgião e do anestesista
100%
Serviços de estudos diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncologia: exames de câncer, tratamento (quimioterapia e/ou radioterapia) e medicamentos
100%
Diálise
100%
Cirurgia profilática para reduzir o risco de câncer
US$30,000 per lifetime, after a 12-month waiting period
Prótese e meios corretivos implantados durante uma cirurgia
100%
Transplante de órgãos e tecido
Per organ/tissue
• US$1,000,000 per lifetime
• US$1,000,000 per lifetime
Cobertura para o doador vivo
US$40,000 per lifetime, included in the organ transplant benefit
Equipamento médico-hospitalar
100%
Tratamento de alergia
100%
Fisioterapia e reabilitação
100%
Tratamentos especializados
Autism, psychiatrist, occupational therapist, sleep apnea and other sleep disorders
• US$5,000
• US$5,000
Condições congênitas diagnosticadas antes dos 18 anos
100%
Condições congênitas diagnosticadas na idade de 18 ou após
100%
HIV-AIDS
US$1,000,000 per lifetime, after a 24-month waiting period
Tratamento cirúrgico de distúrbios sintomáticos do pé
100%
Psicoterapia
N/A
Medicamentos prescritos para saúde mental
N/A
Benefícios de Maternidade
Maternidade
No deductible applies, after a 10-month waiting period
Options I, II, III & IV
• US$8,500 per pregnancy
Only available in Lima, Peru
• Direct benefit coordination through lower cost maternity packages in these clinics: Clínica San Felipe, Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment and physicians available in the clinics
Options I, II, III & IV
• US$8,500 per pregnancy
Only available in Lima, Peru
• Direct benefit coordination through lower cost maternity packages in these clinics: Clínica San Felipe, Clínica Delgado and Sanna Clínica San Borja, services to provide depend on the medical equipment and physicians available in the clinics
Complicações de maternidade e do nascimento
No deductible applies, after a 10-month waiting period
Options I, II, III & IV
• US$125,000 per lifetime, up to six weeks
Options I, II, III & IV
• US$125,000 per lifetime, up to six weeks
Inclusão de recém-nascido
Options I, II, III & IV
• Without underwriting if born from a covered maternity
• Without underwriting if born from a covered maternity
Extração e armazenamento de células tronco
Options I, II, III & IV
• Included in the maternity benefit up to US$7,000
• Included in the maternity benefit up to US$7,000
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (UCIN)
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$125,000
• Included in the maternity and newborn complications benefit up to US$125,000
Cuidados pré-natais e pós-natais
Options I, II, III & IV
• Included in the maternity benefit up to US$7,000
• Included in the maternity benefit up to US$7,000
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
100% no deductible applies
Transporte de emergência por ambulância aérea
US$100,000 no deductible applies
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
N/A
Repatriação de restos mortais
US$50,000
Outros Benefícios
Lesões durante o treinamento ou na prática de hobbies e/ou esportes perigosos não profissionais
100%
Lesões durante o treinamento ou na prática de esportes profissionais
100%
Cobertura dental de emergência
100%
Cirurgia corretiva ou reconstrutiva em caso de doença ou acidente
100% if medically necessary and as a result of a medical condition covered by the policy
Cirurgia refrativa ocular
N/A
Cuidados paliativos em casos terminais
US$15,000
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
US$25,000
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
2 years if occurs from a covered event
Cobertura gratuita para dependentes
N/A
Eliminação/redução da franquia por não apresentação de pedidos de reembolso ou não cumprimento da franquia
All options
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
Eliminação da franquia
• Elimination of deductible in the first hospitalization in case of a serious accident
• Elimination of deductible up to US$5,000 in case of an accident or emergency that occurs while the insured is traveling outside of his/her country of residence
• Elimination of deductible up to US$5,000 in case of an accident or emergency that occurs while the insured is traveling outside of his/her country of residence
Segunda opinião médica
Included
Prótese de membros
Included in the durable medical equipment benefit of 100%
Tratamento odontológico maior ou de rotina
N/A
Reembolso de viagens para tratamentos na rede de centros de excelência da América Latina
US$1,500 per event for one ticket in economy class
Guerra e Terrorismo
N/A
Seguro de vida temporário
Critical Select (optional rider)
• US$25,000 or US$50,000 for unexpected expenses such as payment of debts, travel or compensation for loss of income, in case of being diagnosed with a serious illness or a covered surgery should be performed
• US$25,000 or US$50,000 for unexpected expenses such as payment of debts, travel or compensation for loss of income, in case of being diagnosed with a serious illness or a covered surgery should be performed
Condições pré-existentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated
Serviços de concierge para pacientes
Best Doctors Concierge
Assistência de viagem
Elimination of deductible up to US$5,000 in case of an accident or emergency that occurs while the insured is traveling outside of his/her country of residence
Benefício hospitalário em dinheiro
N/A
Benefícios adicionais opcionais
Evacuação para o país de escolha do segurado, país de residência ou país de origem
N/A
Evacuação não emergencial
N/A
Exoneração do período de espera para condiciones preexistentes
N/A