GBG Global Superior
Type of plan
Global Superior
Cobertura máxima por segurado
US$10,000,000 per policy year
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% without restrictions of doctors and hospitals
Coberturas Hospitalares
Quarto de hospital padrão particular
100%
Private duty nursing
• 100%
Private duty nursing
• 100%
Benefício especial para uma suíte
US$3,000 per day within the preferred network
Unidade de cuidados intensivos
100%
Acompanhante durante uma hospitalização
Related to a hospitalization of an insured
• US$5,000
• US$50 per day, max. of 10 days for guest meals
• US$5,000
• US$50 per day, max. of 10 days for guest meals
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
100%
Terapias complementares
Occupational therapy, chiropractor, podiatrist, psychiatrist/psychologist, speech therapy, homeopathy and/or acupuncture
• 100% up to 80 visits, all therapies combined
Nutritionist
• 100% up to 5 visits
• 100% up to 80 visits, all therapies combined
Nutritionist
• 100% up to 5 visits
Cuidados de enfermagem no domicílio / home care
100%
Exame médico preventivo (check-up)
No deductible applies, after a 10-month waiting period
Options II & III
• 100% from 0 to 6 months old, up to 7 visits, including vaccines and medical exams
All options
• US$900 from 6 months and older, including nutritionist visits
HPV (treatment and vaccine)
• US$7,500 per lifetime
Options II & III
• 100% from 0 to 6 months old, up to 7 visits, including vaccines and medical exams
All options
• US$900 from 6 months and older, including nutritionist visits
HPV (treatment and vaccine)
• US$7,500 per lifetime
Aparelhos auditivos
N/A
Doença de Alzheimer
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
Autismo
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
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$35,000 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% for prosthetics, implants, orthopedic devices and appliances, and highly specialized drugs
Transplante de órgãos e tecido
Per organ/tissue
• US$2,000,000 per lifetime
• US$2,000,000 per lifetime
Cobertura para o doador vivo
US$80,000 per lifetime, included in the organ transplant benefit
Equipamento médico-hospitalar
100%
Tratamento de alergia
N/A
Fisioterapia e reabilitação
100%
Tratamentos especializados
Occupational therapy
• Included in the complementary therapies benefit at 100% up to 80 visits
• Included in the complementary therapies benefit at 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
US$50,000 per lifetime, 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 at 100% up to 80 visits
Medicamentos prescritos para saúde mental
Included in the 100% psychiatric treatment benefit, mental health treatment during hospitalization in a hospital or approved facility
Benefícios de Maternidade
Maternidade
No deductible applies, after a 10-month waiting period
Options II & III, including circumcision
• US$12,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$17,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Options II & III, including circumcision
• US$12,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$17,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Complicações de maternidade e do nascimento
No deductible applies, after a 10-month waiting period
Options II & III
• US$10,000,000 per lifetime
Options IV, V & VI
• US$500,000 per lifetime (with optional rider)
Options II & III
• US$10,000,000 per lifetime
Options IV, V & VI
• US$500,000 per lifetime (with optional rider)
Inclusão de recém-nascido
Options II & III
• 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
Options II & III
• US$2,000 per lifetime
• US$2,000 per lifetime
Tratamento de fertilidade
After a 24-month waiting period
• US$5,000 per lifetime
• US$5,000 per lifetime
Unidade de Cuidados Intensivos Neonatais (UCIN)
No deductible applies
Options II & III
Provisional coverage for the newborn
• US$50,000 during the first 90 days of birth as long as the newborn is added to the policy within the 90 days
Options II & III
Provisional coverage for the newborn
• US$50,000 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 II & III
• 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
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
100%
Outros Benefícios
Lesões durante o treinamento ou na prática de hobbies e/ou esportes perigosos não profissionais
Included in the benefit for injuries during training or practice of professional sports at 100% except dangerous sports and/or activities
Lesões durante o treinamento ou na prática de esportes profissionais
100% for a wide range of activities and sports, including professional sports, provided that such activity or sport is not a hazardous activity
Cobertura dental de emergência
100% for treatment within the first 365 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$35,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
• US$35,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
Cirurgia refrativa ocular
US$600 per lifetime
Cuidados paliativos em casos terminais
100%
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
N/A
Eliminação/redução da franquia por não apresentação de pedidos de reembolso ou não cumprimento da franquia
Options II, III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims and no change in policy deductible, excluding preventive health checkup, deductible must not be higher than US$5,000
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims and no change in policy deductible, excluding preventive health checkup, deductible must not be higher than US$5,000
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
• US$50,000 per policy year
• US$200,000 per lifetime
• US$200,000 per lifetime
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
Exclusions to this benefit are mentioned in the corresponding section, but the specific benefit is not mentioned in the rest of the policy
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
N/A
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