Bupa Panama Global Elite
Type of plan
Global Elite
Cobertura máxima por segurado
US$7,000,000 per policy year with 2 options:
• With 20% coinsurance outside Panama
• Without coinsurance of 20% outside Panama
The maximum coinsurance per policy year is U$20,000 individual or US$40,000 family
• With 20% coinsurance outside Panama
• Without coinsurance of 20% outside Panama
The maximum coinsurance per policy year is U$20,000 individual or US$40,000 family
Idade limite para solicitar cobertura
75
Período de carência
N/A
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
• 100%
• US$8,000 for out-of-hospital lodging expenses
• US$8,000 for out-of-hospital lodging expenses
Medicamentos prescritos durante uma internação
100%
Tratamento hospitalar para saúde mental
Mental Health during hospitalization
• 100%
Treatment for anxiety or psychotic crisis during hospitalization
• US$50,000 up to 20 days
• 100%
Treatment for anxiety or psychotic crisis during hospitalization
• US$50,000 up to 20 days
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
Alternative medicine consultations, naturopathy, homeopathy and 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 examination
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccinations
• 80% up to US$1,600, no deductible applies
Preventive dental exam, after 1-month waiting period
• 100% up to 2 visits, no deductible
Eye exam
• 100% for 1 visit, no deductible
• US$1,600 for general health examination
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccinations
• 80% up to US$1,600, no deductible applies
Preventive dental exam, after 1-month waiting period
• 100% up to 2 visits, no deductible
Eye exam
• 100% for 1 visit, no deductible
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 profilática para reduzir o risco de câncer
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 and tissue transplant benefit up to US$1,500,000, no limit specified
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
• Physical therapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%
Outpatient
• Physical therapy, osteopathy and chiropractics, 100% up to 60 visits
• Nutritional counseling, 100% up to 4 visits
• Physical therapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%
Outpatient
• Physical therapy, osteopathy and chiropractics, 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 12-month waiting period
Tratamento cirúrgico de distúrbios sintomáticos do pé
100% up to 60 visits
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, after a 10-month waiting period
Options I, II & III
• US$15,000 per pregnancy, for normal or elective c-section
• US$15,000 per pregnancy, medically necessary c-section
Options I, II & III
• US$15,000 per pregnancy, for normal or elective c-section
• US$15,000 per pregnancy, medically necessary c-section
Complicações de maternidade e do nascimento
No deductible, after a 10 month waiting period
Options I, II & III
• US$1,000,000 per lifetime
Options I, II & III
• US$1,000,000 per lifetime
Inclusão de recém-nascido
Options I, 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
N/A
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (UCIN)
Options I, II & III
• 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 & III
• 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
N/A
Cobertura dental de emergência
100% up to the limits of coverage, provided that 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
N/A
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
2 years if occurs from 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 apresentação de pedidos de reembolso ou não cumprimento da franquia
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, 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, 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
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% in Panama and at emergency centers and convenience clinics in the U.S. within the Essential Preferred Provider Network a US$50 co-payment applies, no deductible applies
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