Now Health International WorldCare Essential
Type of plan
WorldCare Essential
Cobertura máxima por segurado
US$3,000,000
Idade limite para solicitar cobertura
Not specified
Período de carência
Not specified
Cobertura fora dos Estados Unidos
Africa restriction, optional coverage
Cobertura dentro dos Estados Unidos
USA elective treatment, optional coverage
Coberturas Hospitalares
Quarto de hospital padrão particular
Full refund
Related ancillary charges
• US$1,500
Related ancillary charges
• US$1,500
Benefício especial para uma suíte
N/A
Unidade de cuidados intensivos
Full refund
Acompanhante durante uma hospitalização
Parent Accommodation
• Full refund
• Full refund
Medicamentos prescritos durante uma internação
Full refund
Tratamento hospitalar para saúde mental
Full refund for up to 30 days
Coberturas Ambulatoriais
Sala de emergência
Emergency non-elective treatment USA cover
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
Consultas médicas e de especialistas
Outpatient optional coverage, option I
• US$5,000 for outpatient charges such as medical practicioners and teleconsultations
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option II
• US$5,000 for outpatient charges such as medical practicioners, teleconsultations and maintenance of chronic conditions
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option III
• US$300 for emergency outpatient benefit
• US$3,500 for pre and post-operative outpatient Charges such as medical practitioner fees, teleconsultation and physiotherapy
• US$5,000 for outpatient charges such as medical practicioners and teleconsultations
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option II
• US$5,000 for outpatient charges such as medical practicioners, teleconsultations and maintenance of chronic conditions
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option III
• US$300 for emergency outpatient benefit
• US$3,500 for pre and post-operative outpatient Charges such as medical practitioner fees, teleconsultation and physiotherapy
Consultas médicas e de especialistas em residência
N/A
Medicamentos prescritos
Included in the outpatient optional coverage options
Optional coverage
• 10% coinsurance outpatient treatment
• 20% coinsurance outpatient treatment
Optional coverage
• 10% coinsurance outpatient treatment
• 20% coinsurance outpatient treatment
Terapias complementares
Included in the outpatient optional coverage options
Cuidados de enfermagem no domicílio / home care
US$100, up to 30 days per medical condition
Exame médico preventivo (check-up)
N/A
Aparelhos auditivos
N/A
Doença de Alzheimer
Included in the outpatient optional coverage options
Autismo
Included in the outpatient optional coverage options
Cirurgia ambulatorial
Full refund
Terapia de reposição hormonal para aliviar os sintomas da menopausa
Full refund
Benefícios Gerais
Honorários do cirurgião e do anestesista
Full refund
Serviços de estudos diagnósticos
Full refund
Oncologia: exames de câncer, tratamento (quimioterapia e/ou radioterapia) e medicamentos
Full refund
Diálise
Treatment of renal failure, including renal dialysis on an inpatient basis
• Full refund
Treatment of renal failure, including renal dialysis on an a day-patient or outpatient basis
• US$50,000
• Full refund
Treatment of renal failure, including renal dialysis on an a day-patient or outpatient basis
• US$50,000
Cirurgia para reduzir o risco de câncer ou cirurgia profilática
Not specified
Prótese e meios corretivos implantados durante uma cirurgia
N/A
Transplante de órgãos e tecido
Full refund
Cobertura para o doador vivo
US$50,000 included in the organ transplant benefit
Equipamento médico-hospitalar
Not specified
Tratamento de alergia
N/A
Fisioterapia e reabilitação
Rehabilitation
• Full refund for eligible inpatient treatment, up to 30 days per medical condition
Outpatient physiotherapy by a registered physiotherapist
• Full refund up to 5 sessions within 30 days after hospitalization
Included in the outpatient optional coverage options, replacing the benefits above
• Full refund for eligible inpatient treatment, up to 30 days per medical condition
Outpatient physiotherapy by a registered physiotherapist
• Full refund up to 5 sessions within 30 days after hospitalization
Included in the outpatient optional coverage options, replacing the benefits above
Tratamentos especializados
Included in the outpatient optional coverage options
Condições congênitas diagnosticadas antes dos 18 anos
US$100,000
Condições congênitas diagnosticadas na idade de 18 ou após
US$100,000
HIV-AIDS
US$25,000 for inpatient and day-patient treatment, after a 36-month waiting period
Tratamento cirúrgico de distúrbios sintomáticos do pé
N/A
Psicoterapia
Not specified
Medicamentos prescritos para saúde mental
Included in the inpatient psychiatric treatment benefit, full refund for up to 30 days
Benefícios de Maternidade
Maternidade
N/A
Complicações de maternidade e do nascimento
Full refund
Inclusão de recém-nascido
Not specified
Extração e armazenamento de células tronco
N/A
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (UCIN)
N/A
Cuidados pré-natais e pós-natais
Post-natal care
• US$100,000 newborn Cover
• Full refund for hospital accommodation for newborn
accompanying their mother
• US$100,000 newborn Cover
• Full refund for hospital accommodation for newborn
accompanying their mother
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
Full refund
Transporte de emergência por ambulância aérea
Full refund
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
Included in the evacuation and repatriation benefit, full refund
Repatriação de restos mortais
US$10,000
Evacuation and repatriation
• Full refund for transportation costs
• Full refund local travel costs to and from medical appointments
• Full refund for reasonable travel costs for a locally - accompanying person
• US$200 per day, up to US$7,500 per person,
per evacuation, for non-hospital accommodation costs
Extended evacuation and repatriation optional coverage, no details specified
Evacuation and repatriation
• Full refund for transportation costs
• Full refund local travel costs to and from medical appointments
• Full refund for reasonable travel costs for a locally - accompanying person
• US$200 per day, up to US$7,500 per person,
per evacuation, for non-hospital accommodation costs
Extended evacuation and repatriation optional coverage, no details specified
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
Full refund if inpatient
Cirurgia corretiva ou reconstrutiva em caso de doença ou acidente
Full refund
Cirurgia refrativa ocular
N/A
Cuidados paliativos em casos terminais
Terminal Illness
• US$50,000 for inpatient and day-patient treatment
• US$50,000 for inpatient and day-patient treatment
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
Not specified
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
Not specified
Cobertura gratuita para dependentes
Not specified
Eliminação / redução da franquia por não apresentar reembolsos
Not specified
Eliminação da franquia
Not specified
Segunda opinião médica
Not included, unless agreed by us in writing as part of the added value Interconsultation service
Prótese de membros
N/A
Tratamento odontológico maior ou de rotina
Routine dental treatment
• US$250
Complex dental treatment, after a 9-month waiting period
• US$1,000 a co-insurance of 20% applies
• US$250
Complex dental treatment, after a 9-month waiting period
• US$1,000 a co-insurance of 20% applies
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
Covered when disclosed in the application, benefit will be previously evaluated
Catastrophic and chronic illnesses that survive the contracting of the service
Optional coverage
• US$5,000
• US$5,000
Catastrophic and unusual conditions
N/A
Medical emergency
Emergency non-elective treatment USA cover
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
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
US$125
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