Best Doctors Prepaid Medicine Global Plus
Type of plan
Global Plus
Cobertura máxima por segurado
US$3,500,000 per policy year
Idade limite para solicitar cobertura
Unlimited
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 Global Plus network
• Outside the Global Plus network 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 room
• Emergency medical treatment will be covered 100% up to the policy limits
• Outside the Global Plus network 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 room
• 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 or older than 75
• US$2,000
This coverage is inside and outside Ecuador and is not limited to the number of entries in the year
• US$2,000
This coverage is inside and outside Ecuador and is not limited to the number of entries in the year
Medicamentos prescritos durante uma internação
US$125 no deductible applies, after this amount the coverage will be 100% with deductible
Tratamento hospitalar para saúde mental
Included in the specialized treatments benefit up to US$3,250
Coberturas Ambulatoriais
Sala de emergência
100%
Consultas médicas e de especialistas
100%
Consultas médicas e de especialistas em residência
N/A
Medicamentos prescritos
100%
Terapias complementares
Speech therapist
• Included in the physical therapy and rehabilitation benefit at 100%
Home respiratory therapy
• Included in the physical therapy and rehabilitation benefit at 100%
Chiropractor
• US$5,000
Alternative and ancestral medicine consultations
• US$50
• Included in the physical therapy and rehabilitation benefit at 100%
Home respiratory therapy
• Included in the physical therapy and rehabilitation benefit at 100%
Chiropractor
• US$5,000
Alternative and ancestral medicine consultations
• US$50
Cuidados de enfermagem no domicílio / home care
Included in the physical therapy and rehabilitation benefit at 100%
Exame médico preventivo (check-up)
No deductible applies
• US$100 from 18 years and older
• US$100 from 18 years and older
Aparelhos auditivos
N/A
Doença de Alzheimer
100%
Autismo
Included in the specialized treatments benefit up to US$3,250
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$20,000 per lifetime, after a 90-day 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, after a 90-day waiting period
• US$1,000,000 per lifetime, after a 90-day waiting period
Cobertura para o doador vivo
US$30,000 per lifetime, included in the organ transplant benefit
Equipamento médico-hospitalar
US$15,000
Tratamento de alergia
100%
Fisioterapia e reabilitação
100%
Tratamentos especializados
Psychiatrist, autism, occupational therapist, sleep apnea and other sleep disorders
• US$3,250
• US$3,250
Condições congênitas diagnosticadas antes dos 18 anos
US$700,000 per lifetime
Condições congênitas diagnosticadas na idade de 18 ou após
US$1,000,000 per lifetime
HIV-AIDS
Not specified, this benefit according to the law or zero rate will have coverage for 1 evaluation per year up to US$60 to know the health status of the insured, it could also be considered as a pre-existing condition and have coverage up to 20 Ecuadorian basic salaries, i.e. US$9,000
Tratamento cirúrgico de distúrbios sintomáticos do pé
• 100%
Non-surgical treatment of symptomatic foot disorders
• US$250
Non-surgical treatment of symptomatic foot disorders
• US$250
Psicoterapia
N/A
Medicamentos prescritos para saúde mental
N/A
Benefícios de Maternidade
Maternidade
No deductible applies, after a 60-day waiting period
Options I & II
• US$6,000 per pregnancy
Options I & II
• US$6,000 per pregnancy
Complicações de maternidade e do nascimento
No deductible applies, after a 60-day waiting period
Options I & II
• US$500,000 per covered pregnancy, per lifetime
Options I & II
• US$500,000 per covered pregnancy, per lifetime
Inclusão de recém-nascido
Options I & II
• 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
• Included in the maternity benefit up to US$6,000
• Included in the maternity benefit up to US$6,000
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (UCIN)
Options I & II
• Included in the maternity and newborn complications benefit up to US$500,000
• Included in the maternity and newborn complications benefit up to US$500,000
Cuidados pré-natais e pós-natais
Included in the maternity benefit up to US$6,000
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
100% no deductible applies
Transporte de emergência por ambulância aérea
US$60,000 no deductible applies
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
N/A
Repatriação de restos mortais
100%
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%
Cirurgia corretiva ou reconstrutiva em caso de doença ou acidente
100%
Cirurgia refrativa ocular
N/A
Cuidados paliativos em casos terminais
100%
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
US$25.000 per lifetime, for medical expenses arising from bodily injury sustained in an accident occurring from the time the completed application and full premium are received until the date coverage begins or 60 days from the date the application is received, whichever comes first
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
1 year for contractual dependents and beneficiaries
Cobertura gratuita para dependentes
N/A
Eliminação/redução da franquia por não apresentação de pedidos de reembolso ou não cumprimento da franquia
Options I, II & III
• 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 up to US$15,000
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
N/A
Seguro de vida temporário
N/A
Condições pré-existentes declaradas
Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 24-month waiting period
Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Catastrophic and chronic illnesses that survive the contracting of the service
100% after a 30-day waiting period for outpatient services and 90 days for inpatient services
Coverage within Ecuadorian territory for conditions named and determined by the national health authority
Coverage within Ecuadorian territory for conditions named and determined by the national health authority
Catastrophic and unusual conditions
US$500 additional to the amount of drugs prescribed for treatment with growth stimulants
Medical emergency
US$500 with no deductible, after this amount the coverage will be 100% with deductible, after a 24 hour waiting period
Illness or injury in private aircraft
100%
Contraceptive treatments
US$150
Serviços de concierge para pacientes
Best Doctors Concierge
Assistência de viagem
N/A
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