GBG Global 360 Health
Type of plan
Global 360 Health
Cobertura máxima por segurado
Unlimited
Idade limite para solicitar cobertura
75
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 preferred provider network
• Outside the preferred provider network coverage will be at 80%
• Outside the preferred provider network coverage will be at 80%
Coberturas Hospitalares
Quarto de hospital padrão particular
100% up to the coverage limit
Private duty nursing
• 100% up to 100 days
Private duty nursing
• 100% up to 100 days
Benefício especial para uma suíte
US$2,000 per day within the preferred provider network
Unidade de cuidados intensivos
100% up to the coverage limit
Acompanhante durante uma hospitalização
Related to a hospitalization of an insured
• US$300 per night, up to US$3,000
• US$300 per night, up to US$3,000
Medicamentos prescritos durante uma internação
100%
Tratamento hospitalar para saúde mental
100%
Coberturas Ambulatoriais
Sala de emergência
100%
Consultas médicas e de especialistas
100%
Consultas médicas e de especialistas em residência
N/A
Medicamentos prescritos
Following a hospitalization or outpatient surgery
• 100% up to 6 months, US$3,000 after this period per policy year
Following a physician or specialist visit
• US$2,500
• 100% up to 6 months, US$3,000 after this period per policy year
Following a physician or specialist visit
• US$2,500
Terapias complementares
Outpatient mental health
• 100% up to 50 visits
Therapeutic services: homeopath, acupuncture, chiropractic, physical therapy, vocational therapy, occupational therapy and speech therapy
• 100% up to 80 visits
• 100% up to 50 visits
Therapeutic services: homeopath, acupuncture, chiropractic, physical therapy, vocational therapy, occupational therapy and speech therapy
• 100% up to 80 visits
Cuidados de enfermagem no domicílio / home care
100% up to 100 days
Exame médico preventivo (check-up)
No deductible applies
All options
• 100% from 0 to 6 months old, up to 5 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older
HPV (treatment and vaccine)
• US$5,000 per lifetime
All options
• 100% from 0 to 6 months old, up to 5 visits, including vaccines and medical exams
No deductible applies
All options
• US$600 from 6 months and older
HPV (treatment and vaccine)
• US$5,000 per lifetime
Aparelhos auditivos
N/A
Doença de Alzheimer
Included in the complementary therapy benefit of 100% up to 50 visits
Autismo
Included in the complementary therapy benefit of 100% up to 50 visits
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 for gynecological cancer only (mastectomy and/or oophorectomy), BRCA testing and breast reconstruction
Prótese e meios corretivos implantados durante uma cirurgia
100%
Transplante de órgãos e tecido
Per organ/tissue
• US$750,000 per lifetime
• US$750,000 per lifetime
Cobertura para o doador vivo
Included in the organ transplant benefit, no limit specified
Equipamento médico-hospitalar
100%
Tratamento de alergia
N/A
Fisioterapia e reabilitação
Inpatient
• 100%
Outpatient
• Included in the complementary therapy benefit of 100% up to 80 visits
• 100%
Outpatient
• Included in the complementary therapy benefit of 100% up to 80 visits
Tratamentos especializados
Occupational and speech therapist
• Included in the complementary therapy benefit of 100% up to 80 visits
• Included in the complementary therapy benefit of 100% up to 80 visits
Condições congênitas diagnosticadas antes dos 18 anos
100%
Condições congênitas diagnosticadas na idade de 18 ou após
100%
HIV-AIDS
100% after a 24-month waiting period
Tratamento cirúrgico de distúrbios sintomáticos do pé
100% after a 24-month waiting period, especifically for Hallux Valgus
Psicoterapia
Included in the complementary therapy benefit of 100% up to 50 visits
Medicamentos prescritos para saúde mental
Included in the complementary therapy benefit of 100% up to 50 visits
Benefícios de Maternidade
Maternidade
After a 10-month waiting period, only in options III & IV
No deductible applies in option III and with deductible in option IV
• US$10,000 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
No deductible applies in option III and with deductible in option IV
• US$10,000 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
Complicações de maternidade e do nascimento
After a 10-month waiting period
No deductible applies in option III and with deductible in option IV
• 100%
Options V & VI
• US$500,000 per lifetime after deductible, for all pregnancies combined (with optional rider)
No deductible applies in option III and with deductible in option IV
• 100%
Options V & VI
• US$500,000 per lifetime after deductible, for all pregnancies combined (with optional rider)
Inclusão de recém-nascido
Options III & IV
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Extração e armazenamento de células tronco
N/A
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (UCIN)
No deductible applies in option III and with deductible in option IV
Provisional coverage for the newborn
• US$5,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Provisional coverage for the newborn
• US$5,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Cuidados pré-natais e pós-natais
Options III & IV
• Included in the maternity benefit up to US$10,000 if only the mother is covered and US$15,000 if both parents are covered
• Included in the maternity benefit up to US$10,000 if only the mother is covered and US$15,000 if both parents are covered
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
100%
Transporte de emergência por ambulância aérea
100% no deductible applies
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
US$2,000 per person for economy class tickets, within 90 days of the occurrence, included in the emergency transportation by air ambulance
Repatriação de restos mortais
US$20,000
Outros Benefícios
Lesões durante o treinamento ou na prática de hobbies e/ou esportes perigosos não profissionais
N/A
Lesões durante o treinamento ou na prática de esportes profissionais
N/A
Cobertura dental de emergência
100% for treatment within the first 180 days of the covered accident
Cirurgia corretiva ou reconstrutiva em caso de doença ou acidente
• 100% for nose and nasal septum deformity, if medically necessary and as a result of a medical condition covered by the policy
• US$30,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
• US$30,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
Cirurgia refrativa ocular
N/A
Cuidados paliativos em casos terminais
100% up to 240 days
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
100% for accidents or infectious diseases
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
2 years if occurs from a covered event
Cobertura gratuita para dependentes
Options III & IV, up to 5 years old for children born from a covered maternity
Eliminação/redução da franquia por não apresentação de pedidos de reembolso ou não cumprimento da franquia
N/A
Eliminação da franquia
Elimination of deductible on the first hospitalization, for 24 hours or more, in case of serious accident
Segunda opinião médica
Included
Prótese de membros
100%
Tratamento odontológico maior ou de rotina
N/A
Reembolso de viagens para tratamentos na rede de centros de excelência da América Latina
N/A
Guerra e Terrorismo
100%
Seguro de vida temporário
N/A
Condições pré-existentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated
Catastrophic and chronic illnesses that survive the contracting of the service
US$2,500 per lifetime, per person
Catastrophic and unusual conditions
N/A
Medical emergency
100% and at emergency centers in the U.S. a US$50 co-payment applies if the deductible has not been met
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Serviços de concierge para pacientes
N/A
Assistência de viagem
US$5,000 by reimbursement, for emergencies as result of accidents or diseases, this benefit only applies if the insured receives medical services in an emergency room or an intensive care unit as result of an emergency
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