Palig Ecuador World Access
Type of plan
World Access
Cobertura máxima por segurado
US$5,000,000 per policy year
Idade limite para solicitar cobertura
75
Período de carência
• For outpatient care: 30 Days
• For hospital care: 60 Days
• For emergencies: 24 Hours
• For pre-existing conditions: 24 Months
• For disability: 3 Months
• For the start of maternity: 60 Days
• For hospital care: 60 Days
• For emergencies: 24 Hours
• For pre-existing conditions: 24 Months
• For disability: 3 Months
• For the start of maternity: 60 Days
Cobertura fora dos Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro dos Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Coberturas Hospitalares
Quarto de hospital padrão particular
100% Up to the limits of the coverage
Benefício especial para uma suíte
N/A
Unidade de cuidados intensivos
100% Up to the limits of the coverage
Acompanhante durante uma hospitalização
Related to the hospitalization of an insured person under 18 years old:
• US$300 per night, with deductible applied.
Related to the hospitalization of an insured person over 18 years old:
• US$300 per night, up to 30 nights
• US$300 per night, with deductible applied.
Related to the hospitalization of an insured person over 18 years old:
• US$300 per night, up to 30 nights
Medicamentos prescritos durante uma internação
100%
Tratamento hospitalar para saúde mental
US$1,000
(Coverage for psychiatric illnesses of organic origin, including 6 medical consultations per policy year and medication, without applying a deductible)
(Coverage for psychiatric illnesses of organic origin, including 6 medical consultations per policy year and medication, without applying a deductible)
Coberturas Ambulatoriais
Sala de emergência
100%
Consultas médicas e de especialistas
100%
Consultas médicas e de especialistas em residência
100%
Medicamentos prescritos
US$10,000
Terapias complementares
N/A
Cuidados de enfermagem no domicílio / home care
Included in the home healthcare benefit 100%
Exame médico preventivo (check-up)
Preventive Medical Exams, without deductible applied
• Up to US$300
Nutritional coverage for health risk factors at 100%, without deductible, up to:
• 2 consultations per year
Well-child checkups from a covered maternity (comprehensive care), without deductible
• $600 the first year of life
• $500 the second year of life
• $200 the third year of life
• $200 the fourth year of life
• $200 the fifth year of life
Well-child checkups from a non-covered maternity (comprehensive care), without deductible
• $400 the first year of life
• $200 the second year of life
• $100 the third year of life
• $100 the fourth year of life
• $100 the fifth year of life
• Up to US$300
Nutritional coverage for health risk factors at 100%, without deductible, up to:
• 2 consultations per year
Well-child checkups from a covered maternity (comprehensive care), without deductible
• $600 the first year of life
• $500 the second year of life
• $200 the third year of life
• $200 the fourth year of life
• $200 the fifth year of life
Well-child checkups from a non-covered maternity (comprehensive care), without deductible
• $400 the first year of life
• $200 the second year of life
• $100 the third year of life
• $100 the fourth year of life
• $100 the fifth year of life
Aparelhos auditivos
N/A
Doença de Alzheimer
Included in the alternative therapies benefit at 100%
Autismo
Included in the benefit for congenital conditions diagnosed before 18 years old, up to US$1,000,000
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
N/A
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
US$50,000 per lifetime, included in the organ transplant benefit
Equipamento médico-hospitalar
100%
Tratamento de alergia
N/A
Fisioterapia e reabilitação
100% (maximum 60 days per policy year)
Tratamentos especializados
Organic and psychological psychiatric illnesses
• US$1,000 without deductible, up to 6 consultations
Coverage for maintenance of vital signs in body systems in a life-threatening state
• US$500 lifetime, without deductible
Alternative therapies, chiropractor, psychiatrist, or psychologist
• 100% up to 20 sessions
Nutritionist
• US$200 up to 2 consultations per policy year
• US$1,000 without deductible, up to 6 consultations
Coverage for maintenance of vital signs in body systems in a life-threatening state
• US$500 lifetime, without deductible
Alternative therapies, chiropractor, psychiatrist, or psychologist
• 100% up to 20 sessions
Nutritionist
• US$200 up to 2 consultations per policy year
Condições congênitas diagnosticadas antes dos 18 anos
US$300,000 lifetime
Newborn from a non-covered maternity
• US$5,000 lifetime
Newborn from a non-covered maternity
• US$5,000 lifetime
Condições congênitas diagnosticadas na idade de 18 ou após
100%
HIV-AIDS
US$ 500,000 lifetime
Other sexually transmitted diseases
• US$20,000 lifetime
Other sexually transmitted diseases
• US$20,000 lifetime
Tratamento cirúrgico de distúrbios sintomáticos do pé
100%
Psicoterapia
US$200 up to 2 consultations per policy year
Medicamentos prescritos para saúde mental
US$2,000 for health conditions resulting from actions and/or illnesses caused by drug use, narcotics, intoxication, alcoholism, and injuries due to mental health disorders, dementia states, including those resulting from a suicide attempt.
Benefícios de Maternidade
Maternidade
No deductible, after a 60-day waiting period
Options I and II
Policyholder and spouse
• US$7,000
Dependent daughters under 24 years old included in the policy
• US$7,000
Options I and II
Policyholder and spouse
• US$7,000
Dependent daughters under 24 years old included in the policy
• US$7,000
Complicações de maternidade e do nascimento
No deductible, after a 60-day waiting period
Options I and II
• US$1,000,000 lifetime
Options I and II
• US$1,000,000 lifetime
Inclusão de recém-nascido
Options I and II
• No risk assessment if the newborn is from a covered maternity, provided the newborn is added to the policy within 90 days after birth.
• No risk assessment if the newborn is from a covered maternity, provided the newborn is added to the policy within 90 days after birth.
Extração e armazenamento de células tronco
N/A
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (UCIN)
Options I and 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
Prenatal without deductible
• US$600, applies only for non-covered maternities
Perinatal without deductible, non-covered maternity
• US$300 per newborn, within the first 28 days
Postnatal without deductible, well-child checkup for non-covered maternity
• US$400 the first year
• US$200 the second year
• US$100 the third year
• US$100 the fourth year
• US$100 the fifth year
Postnatal without deductible, well-child checkup, for covered maternity
• US$600 the first year
• US$500 the second year
• US$200 the third year
• US$200 the fourth year
• US$200 the fifth year
• US$600, applies only for non-covered maternities
Perinatal without deductible, non-covered maternity
• US$300 per newborn, within the first 28 days
Postnatal without deductible, well-child checkup for non-covered maternity
• US$400 the first year
• US$200 the second year
• US$100 the third year
• US$100 the fourth year
• US$100 the fifth year
Postnatal without deductible, well-child checkup, for covered maternity
• US$600 the first year
• US$500 the second year
• US$200 the third year
• US$200 the fourth year
• US$200 the fifth year
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
US$100,000 no deductible applies, includes emergency transportation by air and water ambulance.
Transporte de emergência por ambulância aérea
100% no deductible applies
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
N/A
Repatriação de restos mortais
100%
Outros Benefícios
Lesões durante o treinamento ou na prática de hobbies e/ou esportes perigosos não profissionais
US$250,000
Lesões durante o treinamento ou na prática de esportes profissionais
N/A
Cobertura dental de emergência
100% for treatment during the first 120 days following the covered accident.
Cirurgia corretiva ou reconstrutiva em caso de doença ou acidente
100% if medically necessary and as a result of a medical condition covered by the policy
Cirurgia refrativa ocular
Coverage for keratoconus from visual refraction origin
• US$5,000 per lifetime
• US$5,000 per lifetime
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 for insured members of the family
Cobertura gratuita para dependentes
N/A
Eliminação/redução da franquia por não apresentação de pedidos de reembolso ou não cumprimento da franquia
N/A
Eliminação da franquia
Serious accident, all options
• Removal of the deductible in case of a severe accident requiring hospitalization
Accident, options I, II, and III
• Removal of the deductible for the first medical treatment, hospital, or emergency center, within or outside the country of residence
In Emergency Room for Critical Conditions, options I, II, and III:
• Removal of the deductible as long as the care is within the country of residence
Segunda opinião médica
Included
Prótese de membros
100%
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
N/A
Seguro de vida temporário
N/A
Condições pré-existentes declaradas
Up to 20 basic Ecuadorian salaries for all pre-existing conditions in one policy year, after a 24-month waiting period
Disability
• Up to 20 basic Ecuadorian salaries for all disability conditions, after a 3-month waiting period
Disability
• Up to 20 basic Ecuadorian salaries for all disability conditions, after a 3-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%
Illness or injury in private aircraft
N/A
Contraceptive treatments
US$100
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