Best Doctors Prepaid Medicine Medical Elite
Type of plan
Medical Elite
Cobertura máxima por segurado
US$10,000,000 per policy year
Idade limite para solicitar cobertura
Unlimited
Período de carência
30 days
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
• US$10,000
This coverage is inside and outside Ecuador and is not limited to the number of entries in the year
• US$10,000
This coverage is inside and outside Ecuador and is not limited to the number of entries in the year
Medicamentos prescritos durante uma internação
US$200 no deductible applies, after this amount the coverage will be 100% with deductible
Tratamento hospitalar para saúde mental
Included in the specialized treatments benefit up to US$5,000
Coberturas Ambulatoriais
Sala de emergência
100%
Consultas médicas e de especialistas
100%
Consultas médicas e de especialistas em residência
N/A
Medicamentos prescritos
100% including ancestral, alternative and generic medicine
Terapias complementares
Speech therapist
• Included in the physical therapy and rehabilitation benefit at 100%
Home respiratory therapy
• Included in the physical therapy and rehabilitation benefit at 100%
Alternative and ancestral medicine consultations
• US$50
• Included in the physical therapy and rehabilitation benefit at 100%
Home respiratory therapy
• Included in the physical therapy and rehabilitation benefit at 100%
Alternative and ancestral medicine consultations
• US$50
Cuidados de enfermagem no domicílio / home care
Included in the physical therapy and rehabilitation benefit at 100%
Exame médico preventivo (check-up)
No deductible applies, for dependents born from a covered maternity
• US$300 per visit, up to 5 visits, from 0 to 12 months old
• US$100 up to 1 visit from 12 months to 18 years old
US$500 from 18 years and older
• US$300 per visit, up to 5 visits, from 0 to 12 months old
• US$100 up to 1 visit from 12 months to 18 years old
US$500 from 18 years and older
Aparelhos auditivos
N/A
Doença de Alzheimer
100%
Autismo
• 100% if the insured was born under a covered maternity
• US$10,000 for insured not born under a covered maternity who develop the condition while they are insured
• US$10,000 for insured not born under a covered maternity who develop the condition while they are insured
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$30,000 per lifetime, after a 90-day waiting period
Prótese e meios corretivos implantados durante uma cirurgia
100%
Transplante de órgãos e tecido
Per organ/tissue
• US$3,000,000 per lifetime, after a 90-day waiting period
• US$3,000,000 per lifetime, after a 90-day waiting period
Cobertura para o doador vivo
US$50,000 per lifetime, included in the organ transplant benefit
Equipamento médico-hospitalar
100%
Tratamento de alergia
100%
Fisioterapia e reabilitação
100% including rehabilitative cardiac therapy, respiratory therapy and speech therapy
Tratamentos especializados
Psychiatrist, occupational therapist, sleep apnea and other sleep disorders
• US$5,000
• US$5,000
Condições congênitas diagnosticadas antes dos 18 anos
100%
Condições congênitas diagnosticadas na idade de 18 ou após
100%
HIV-AIDS
Not specified, this benefit according to the law or zero rate will have coverage for 1 evaluation per year up to US$60 to know the health status of the insured, it could also be considered as a pre-existing condition and have coverage up to 20 Ecuadorian basic salaries, i.e. US$9,000
Tratamento cirúrgico de distúrbios sintomáticos do pé
• 100%
Non-surgical treatment of symptomatic foot disorders
• US$400
Non-surgical treatment of symptomatic foot disorders
• US$400
Psicoterapia
10 visits
Medicamentos prescritos para saúde mental
N/A
Benefícios de Maternidade
Maternidade
No deductible applies, after a 60-day waiting period
Options I, II & III
• 100% per pregnancy for normal or cesarean delivery, in the country of residence
• US$15,000 per pregnancy for normal or cesarean delivery, outside the country of residence within the maternity network, when both parents are in the policy
• US$10,000 per pregnancy for normal or cesarean delivery, outside the country of residence within the maternity network, when only the mother is covered
Options I, II & III
• 100% per pregnancy for normal or cesarean delivery, in the country of residence
• US$15,000 per pregnancy for normal or cesarean delivery, outside the country of residence within the maternity network, when both parents are in the policy
• US$10,000 per pregnancy for normal or cesarean delivery, outside the country of residence within the maternity network, when only the mother is covered
Complicações de maternidade e do nascimento
After deductible according to the deductible option, after a 60-day waiting period
Options I, II & III
• US$1,000,000 per covered pregnancy, per lifetime
Including obstetric emergencies, up to 6 months after normal delivery or cesarean section and/or late puerperium and pre-term newborn care, neonatal care, specialist care and intensive care
Options I, II & III
• US$1,000,000 per covered pregnancy, per lifetime
Including obstetric emergencies, up to 6 months after normal delivery or cesarean section and/or late puerperium and pre-term newborn care, neonatal care, specialist care and intensive care
Inclusão de recém-nascido
Options I, II & III
• Without underwriting if born from a covered maternity within the maternity network and when the newborn is added to the policy within 60 days after birth
Intra-uterine Inclusion
• 100% coverage within the Ecuadorian territory
Notification period from 20 to 32 weeks of gestation
• Without underwriting if born from a covered maternity within the maternity network and when the newborn is added to the policy within 60 days after birth
Intra-uterine Inclusion
• 100% coverage within the Ecuadorian territory
Notification period from 20 to 32 weeks of gestation
Extração e armazenamento de células tronco
No deductible applies, after a 60-day waiting period
Options I, II & III
• US$2,000 per covered pregnancy for extraction and storage for 1 year
Options I, II & III
• US$2,000 per covered pregnancy for extraction and storage for 1 year
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (UCIN)
Option I
• 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
Included in the maternity benefit
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
100% no deductible applies
Transporte de emergência por ambulância aérea
100% no deductible applies
Emergency transportation by river ambulance
Included in the emergency transportation by ground ambulance benefit
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
US$2,000 per person, for a return economy class ticket
Repatriação de restos mortais
100%
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%
Cirurgia corretiva ou reconstrutiva em caso de doença ou acidente
100%
Cirurgia refrativa ocular
N/A
Cuidados paliativos em casos terminais
100%
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
US$30,000 per lifetime, for medical expenses arising from bodily injury sustained in an accident occurring from the time the completed application and full premium are received until the date coverage begins or 60 days from the date the application is received, whichever comes first
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
1 year for contractual dependents and beneficiaries
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
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
Eliminação da franquia
• Elimination of deductible in the first hospitalization in case of a serious accident
• Elimination of deductible up to US$5,000 in case of an accident or emergency that occurs while the insured is traveling outside of his/her country of residence
• Elimination of deductible up to US$5,000 in case of an accident or emergency that occurs while the insured is traveling outside of his/her country of residence
Segunda opinião médica
Included
Prótese de membros
Included in the durable medical equipment benefit at 100%
Tratamento odontológico maior ou de rotina
US$50
Reembolso de viagens para tratamentos na rede de centros de excelência da América Latina
US$2,000 per person, for a return economy class ticket
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
100% after a 30-day waiting period for outpatient services and 90 days for inpatient services
Coverage within Ecuadorian territory for conditions named and determined by the national health authority
Coverage within Ecuadorian territory for conditions named and determined by the national health authority
Catastrophic and unusual conditions
US$1,000 additional to the amount of drugs prescribed for treatment with growth stimulants
Medical emergency
US$1,000 with no deductible, after this amount the coverage will be 100% with deductible, after a 24 hour waiting period
Illness or injury in private aircraft
100%
Contraceptive treatments
US$300
Serviços de concierge para pacientes
Best Doctors Concierge
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