Bupa Ecuador Global Elite
Type of plan
Global Elite
Cobertura máxima por segurado
US$7,000,000 per policy year
Idade limite para solicitar cobertura
Unlimited
Período de carência
• 30 days for outpatient treatment
• 90 days for inpatient treatment
• 90 days for inpatient treatment
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%
Benefício especial para uma suíte
N/A
Unidade de cuidados intensivos
100%
Acompanhante durante uma hospitalização
Related to a hospitalization of an insured under age 18 or older than 75
• 100%
• US$8,000 for out-of-hospital lodging expenses, if the hospitalization lasts more than 5 days
• 100%
• US$8,000 for out-of-hospital lodging expenses, if the hospitalization lasts more than 5 days
Medicamentos prescritos durante uma internação
100%
Tratamento hospitalar para saúde mental
Mental health during hospitalization
• 100%
• 100%
Coberturas Ambulatoriais
Sala de emergência
100%
Consultas médicas e de especialistas
100%
Consultas médicas e de especialistas em residência
Not specified
Medicamentos prescritos
Option I
• 80% up to US$5,000, a 20% coinsurance applies
• 100% after US$5,000
Options II, III, IV & V
• 100%
• 80% up to US$5,000, a 20% coinsurance applies
• 100% after US$5,000
Options II, III, IV & V
• 100%
Terapias complementares
Consultations alternative medicine, naturopathy, homeopathy, Chinese medicine
• 100% up to 20 visits
Acupuncturists and reflexologists
• 100% up to 60 visits
• 100% up to 20 visits
Acupuncturists and reflexologists
• 100% up to 60 visits
Cuidados de enfermagem no domicílio / home care
Home nursing for rehabilitation or palliative care
• US$300 per day, up to 60 days
Nurse practitioners as outpatient treatment
• 100% up to 60 days
• US$300 per day, up to 60 days
Nurse practitioners as outpatient treatment
• 100% up to 60 days
Exame médico preventivo (check-up)
No deductible, after a 10-month waiting period
• US$1,600 for general health exam
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccines
• 80% up to US$1,600, no deductible applies
Preventive dental exam, after a 1-month waiting period
• 100% no deductible applies
Eye exam
• 100% no deductible applies
• US$1,600 for general health exam
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccines
• 80% up to US$1,600, no deductible applies
Preventive dental exam, after a 1-month waiting period
• 100% no deductible applies
Eye exam
• 100% no deductible applies
Aparelhos auditivos
80%
Doença de Alzheimer
US$50,000 per lifetime, including medications
Autismo
US$30,000 including medications
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 para reduzir o risco de câncer ou cirurgia profilática
Preventive surgery
• 100%
• 100%
Prótese e meios corretivos implantados durante uma cirurgia
100%
Transplante de órgãos e tecido
Per organ/tissue
• US$1,500,000 per lifetime
• US$1,500,000 per lifetime
Cobertura para o doador vivo
Included in the organ transplant benefit up to US$1,500,000
Equipamento médico-hospitalar
100%
Eyeglasses and contact lenses
• 80% up to US$2,000
Eyeglasses and contact lenses
• 80% up to US$2,000
Tratamento de alergia
N/A
Fisioterapia e reabilitação
Multidisciplinary rehabilitation
• 100% up to 90 days
• 100% up to 90 days
Tratamentos especializados
Inpatient
• Physiotherapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%.
Outpatient
• Physiotherapy, osteopathy and chiropractors, 100% up to 60 visits
• Occupational therapist and orthoptist, 100% up to 60 visits
• Nutritional counseling, 100% up to 4 visits
• Physiotherapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%.
Outpatient
• Physiotherapy, osteopathy and chiropractors, 100% up to 60 visits
• Occupational therapist and orthoptist, 100% up to 60 visits
• Nutritional counseling, 100% up to 4 visits
Condições congênitas diagnosticadas antes dos 18 anos
US$2,000,000 per lifetime
Condições congênitas diagnosticadas na idade de 18 ou após
100%
HIV-AIDS
US$1,000,000 per lifetime, after a 3-month waiting period for inpatient procedures and 1-month waiting period for outpatient procedures
Tratamento cirúrgico de distúrbios sintomáticos do pé
100% up to 60 days
Psicoterapia
Mental health
• 100% up to 60 visits
• 100% up to 60 visits
Medicamentos prescritos para saúde mental
N/A
Benefícios de Maternidade
Maternidade
No deductible applies, after a 60-day waiting period
Options I & II
• US$15,000 per pregnancy for normal or cesarean delivery
• US$15,000 per pregnancy, medically necessary c-section
Options I & II
• US$15,000 per pregnancy for normal or cesarean delivery
• US$15,000 per pregnancy, medically necessary c-section
Complicações de maternidade e do nascimento
No deductible applies, after a 60-day waiting period
Options I & II
• US$1,000,000 per lifetime
Options I & II
• US$1,000,000 per lifetime
Inclusão de recém-nascido
Options I & II
• 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)
Options I & II
• Included in the maternity and newborn complications benefit up to US$1,000,000
• Included in the maternity and newborn complications benefit up to US$1,000,000
Cuidados pré-natais e pós-natais
Options I & II
• Included in the maternity benefit up to US$15,000
• Included in the maternity benefit up to US$15,000
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
100%
Transporte de emergência por ambulância aérea
100%
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
100%
Travel costs for one accompanying person
• 100%
Food and transportation costs for accompanying person
• US$200 per day, up to 10 days
Travel costs for children's relocation
• 100%
Travel costs for travel, meals and transportation for compassionate visits
• US$1,700 for relocation travel, per trip, maximum 5 trips per lifetime
• US$200 per day, up to 10 days for food and transportation costs for a companion
Travel costs for one accompanying person
• 100%
Food and transportation costs for accompanying person
• US$200 per day, up to 10 days
Travel costs for children's relocation
• 100%
Travel costs for travel, meals and transportation for compassionate visits
• US$1,700 for relocation travel, per trip, maximum 5 trips per lifetime
• US$200 per day, up to 10 days for food and transportation costs for a companion
Repatriação de restos mortais
100%
Medical repatriation
• 100%
Medical repatriation
• 100%
Outros Benefícios
Lesões durante o treinamento ou na prática de hobbies e/ou esportes perigosos não profissionais
100%
Lesões durante o treinamento ou na prática de esportes profissionais
100%
Cobertura dental de emergência
100% as long as the first expense is incurred within 30 days after the accident
Cirurgia corretiva ou reconstrutiva em caso de doença ou acidente
100%
Cirurgia refrativa ocular
80% up to US$3,000
Cuidados paliativos em casos terminais
100%
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
2 years if caused by a covered event
Cobertura gratuita para dependentes
For dependents under 10 years
• 1 dependent for each insured parent, maximum 2 dependents will be covered free of charge
• 1 dependent for each insured parent, maximum 2 dependents will be covered free of charge
Eliminação / redução da franquia por não apresentar reembolsos
N/A
Eliminação da franquia
N/A
Segunda opinião médica
Included
Prótese de membros
100%
Tratamento odontológico maior ou de rotina
Dental treatment, after a 6-month waiting period
• 80% up to US$2,500 for fillings, root canal, x-ray, tooth extraction, and anesthesia
Major non-esthetic restoration, after a 6-month waiting period
• 80% up to US$2,500 for bridges, crowns, dental implants and dentures
Non esthetic orthodontics, after a 12-month waiting period
• 80% up to US$2,500
• 80% up to US$2,500 for fillings, root canal, x-ray, tooth extraction, and anesthesia
Major non-esthetic restoration, after a 6-month waiting period
• 80% up to US$2,500 for bridges, crowns, dental implants and dentures
Non esthetic orthodontics, after a 12-month waiting period
• 80% up to US$2,500
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
Included in the benefit of declared pre-existing conditions up to 20 Ecuadorian basic salaries
Catastrophic and unusual conditions
N/A
Medical emergency
100%
Illness or injury in private aircraft
N/A
Contraceptive treatments
Covered, not specified amount in sales material
Serviços de concierge para pacientes
Not specified
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