GBG Global Choice Plus
Type of plan
Global Choice Plus
Cobertura máxima por segurado
US$2,000,000 per policy year
Idade limite para solicitar cobertura
75
Período de carência
Not specified
Cobertura fora dos Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro dos Estados Unidos
• 100% through the preferred network of providers, applies a 10% coinsurance for all services up to US$2,000
• Outside the preferred provider network coverage will be at 70%
• Outside the preferred provider network coverage will be at 70%
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
• US$100 per night, up to 10 nights
• US$100 per night, up to 10 nights
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
Following a physician or specialist visit
• US$4,000
• 100% up to 6 months
Following a physician or specialist visit
• US$4,000
Terapias complementares
N/A
Cuidados de enfermagem no domicílio / home care
US$4,000
Exame médico preventivo (check-up)
No deductible applies, after a 10-month waiting period
All options
• 100% from 0 to 6 months old, up to 3 visits, including vaccines and medical exams
No deductible applies
All options
• US$100 from 6 months and older
All options
• 100% from 0 to 6 months old, up to 3 visits, including vaccines and medical exams
No deductible applies
All options
• US$100 from 6 months and older
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$10,000 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$250,000 per lifetime
• Increase of up to US$750,000 lifetime (optional rider) including US$40,000 for living donor benefits
• US$250,000 per lifetime
• Increase of up to US$750,000 lifetime (optional rider) including US$40,000 for living donor benefits
Cobertura para o doador vivo
Included in organ and tissue transplant benefit up to US$40,000
Equipamento médico-hospitalar
US$6,000
Tratamento de alergia
N/A
Fisioterapia e reabilitação
Inpatient
• US$6,000
Outpatient
• 100% up to 40 visits, all therapies combined
• US$6,000
Outpatient
• 100% up to 40 visits, all therapies combined
Tratamentos especializados
N/A
Condições congênitas diagnosticadas antes dos 18 anos
US$250,000 per lifetime
Condições congênitas diagnosticadas na idade de 18 ou após
US$750,000
HIV-AIDS
US$15,000 per lifetime, after a 24-month waiting period
Tratamento cirúrgico de distúrbios sintomáticos do pé
N/A
Psicoterapia
N/A
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 I, II, III & IV, including circumcision
• US$3,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$4,500 per pregnancy for normal or cesarean delivery, if both parents are covered
Options I, II, III & IV, including circumcision
• US$3,500 per pregnancy for normal or cesarean delivery, if only the mother is covered
• US$4,500 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 I, II, III & IV
• US$75,000 vitalicio
After a 10-month waiting period
Options I, II, III & IV
• US$500,000 for all pregnancies combined, per lifetime (with optional rider)
Options I, II, III & IV
• US$75,000 vitalicio
After a 10-month waiting period
Options I, II, III & IV
• US$500,000 for all pregnancies combined, per lifetime (with optional rider)
Inclusão de recém-nascido
Options I, II, 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
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$75,000 with no limit specified, provided that the newborn is added to the policy within these 90 days
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$75,000 with no limit specified, provided that the newborn is added to the policy within these 90 days
Cuidados pré-natais e pós-natais
Options I, II, III & IV
• Included in the maternity benefit up to US$3,500 if only the mother is covered and US$4,500 if both parents are covered
• Included in the maternity benefit up to US$3,500 if only the mother is covered and US$4,500 if both parents are covered
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
100%
Transporte de emergência por ambulância aérea
US$30,000 per event, 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$10,000
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 120 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$10,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
• US$10,000 for breast reconstruction included in cancer risk reduction surgery or prophylactic surgery benefit
Cirurgia refrativa ocular
N/A
Cuidados paliativos em casos terminais
100%
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
N/A
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
N/A
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 & 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
• 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
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$30,000 per policy year
• US$120,000 per lifetime
• US$120,000 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
• US$125,000 per policy year
• US$500,000 per family
• US$500,000 per family
Seguro de vida temporário
N/A
Condições pré-existentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated and subject to a 12-month waiting period
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
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