MEDICAL
CARE

MEDICAL CARE™ LATAM

LATIN AMERICA+ (EXCLUDING BRAZIL, CANADA, AND THE U.S.)

TOTAL ACCESS TO EXCLUSIVE HOSPITALS

This plan offers a complete benefits package, with freedom to choose exclusive hospitals and physicians.

ITEM/SERVICECOVERAGE
Maximum Benefit• $2,000,000 per Insured per Policy Year
Eligibility to Apply• From 18 to 74 years old
Renewal• Lifetime guarantee
Coverage• Free choice of Providers
• Coverage is offered around the world (excluding Brazil, Canada, and the U.S.)
Private and Semi-Private Room• 100% with no limit as to the number of days
Intensive Care Unit• 100% with no limit as to the number of days
Surgery (Including Outpatient Surgery)• 100%
Emergency Room• 100%
Surgeon and Anesthetist Fees• 100%
Major Diagnostic Services• 100%
Cancer Treatment• 100%
Dialysis• 100%
Maternity (Available in deductibles $1000/$1000 and $2000/$2000)• $3,500 per event, includes newborn care
• No deductible applies
• A 10-month Waiting Period applies
Complications of Maternity and Birth (Available in deductibles $1000/$1000 and $2000/$2000)• $75,000 per policy, per lifetime
• No deductible applies
• A 10-month Waiting Period applies
Inclusion of Newborn• Automatically included without underwriting if born from a Covered Maternity
Congenital and Hereditary Disorders• $100,000 per Insured per lifetime (When the condition is diagnosed before age 18)
• 100% (When the condition is diagnosed at age 18 or after)
Organ and Tissue Transplants• $300,000 per organ or tissue, lifetime per Insured, after deductible, including $20,000 for living donor
Outpatient Physical Therapy, Rehabilitation and Home Health Care (Private nurse)• $4,000 per Insured per Policy Year after deductible.
Surgical treatment for symptomatic disorders of the feet• 100%
Emergency Dental Coverage• 100%
Physician and Specialist Visits• 100%
Reconstructive Surgery in case of illness or accident• 100%
Durable Medical Equipment Special
Devices, External prosthesis, Orthotic devices
• $8,000 per Insured per Policy Year, after deductible.
Surgical Implants or prosthesis (Excluding dental)• 100%
Prescribed Medications• $8,000 per Insured per Policy Year (outside hospitalization) after deductible, including medications for allergy treatment
• 100% during hospitalization
Prophylactic surgery for reduction of cancer risk• $10,000 per Insured per lifetime after deductible
• 12-month Waiting Period
Emergency Transportation
Air Ambulance• $30,000 per Insured per Policy year to the closest hospital of qualified treatment
• No deductible applies
Ground Ambulance• 100% to the closest hospital of qualified treatment
• No deductible applies
Routine Health Check Up (age 18 and over) (Available in deductibles $1000/$1000, $2000/$2000 and $5000/$5000) Includes laboratory tests, X-rays, and any other medical expense related to the checkup• $150 per insured, per policy year
• No deductible applies
• No waiting period
Preventive Care (Available in deductibles $1000/$1000, $2000/$2000 and $5000/$5000)• Colon cancer screening (50 years or older): $1,200 per insured every ten years
• Mammogram (from 40 years or older): $400 per insured, per policy year
• Pap Smear (Papanicolaou) (21 to 65 years old): $150 per insured every three years
• Prostate cancer screening (50 years or older): $300 per insured per policy year
• No deductible applies
• No waiting period
Repatriation of Mortal Remains or Cremation Services• $5,000 per Insured per Policy Year, after deductible, in the event of death resulting from a covered Accident or condition
Coverage for accidents that occurred during the practice of high risk activities• 100%
Temporary Emergency coverage while application is evaluated• $25,000
Coverage Alzheimer disease• 100%
Alternative and/or Complementary Treatments (Acupuncture, Hypnosis, Massage Therapy, and Reflexology)• $100 per insured, per policy year
• No deductible applies
Additional Benefits• Deductible will be waived up to a $5,000 maximum in case of an Emergency or Accident that occurs while the Insured is travelling outside of his/her country of residence.
• In case of Serious Accident, as defined in this Policy, deductible will be waived for the first Medically Necessary Hospitalization, following said Serious Accident. Any subsequent treatment will incur the deductible.
Unique ServicesInterConsultation®
Confirmation of diagnosis and recommendation of the best treatment and specialists. Immediate access to this benefit available regardless of any exclusion applicable under this Policy.
Best Doctors Concierge™
Coordination of medical appointments, hospital admission, travel arrangements, accommodation and transportation when services are rendered outside of the Insured’s Country of Residence.
Individual Case Management
A program to coordinate, supervise and manage complex cases of long duration.
Things You Should Know• Unless otherwise stated, the benefits are on a per Insured, per Policy Year basis in which the chosen deductible applies.
• All benefits are in US Dollars (USD).
• Cumulative deductible per Insured, per Policy Year. Maximum two deductibles per family per Policy Year.
• Costs are subject to being usual, customary and reasonable.
Additional Coverage Available (Riders)
Complications of
Maternity and Birth
• Up to $500,000 lifetime cover with an annual premium of $300
• Available in deductibles $1000/$1000 and $2000/$2000
• No deductible applies
• 10-month waiting period
CriticalSelect™
Eligibility: Age 3–59, renewable
cover up to age 65
• Monetary benefit to pay for incidentals when being diagnosed with a covered illness or surgery
• Covered conditions and surgeries: Cancer, stroke, heart attack (myocardial infarction), coronary artery by-pass surgery, kidney/renal failure, multiple sclerosis, benign brain tumor, paralysis (paraplegia), organ transplant (kidney, heart, lung, liver, pancreas or bone marrow), blindness, deafness