RedBridge RedMax Care
Type of plan
RedMax Care
Maximum coverage per insured
US$5,000,000 per policy year
Age limit to apply
75
Waiting period
Maternity care: 10 months
AIDS: 48 months
Bariatric surgery: 24 months
Prophylactic surgery: 24 months
Preventive medical check-up: 10 months
AIDS: 48 months
Bariatric surgery: 24 months
Prophylactic surgery: 24 months
Preventive medical check-up: 10 months
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
• 100% inside the Red Preferencial
• 70% outside the network
• Emergency medical treatment will be covered 100% up to the policy limits
• 70% outside the network
• Emergency medical treatment will be covered 100% up to the policy limits
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit
Special benefit for suite
N/A
Intensive care unit
100% up to the coverage limit
Adult companion accommodation during a hospitalization
Related to the hospitalization of an under age insured
• US$200 per night, max. of 10 nights
• US$200 per night, max. of 10 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
100%
Prescribed medications
US$30,000
Complementary therapy
N/A
Nurse care at home
US$15,000
Preventive health checkup
No deductible applies, after a 10-month waiting period
• US$350 for the main insured and dependent spouse
• US$150 for dependent children
• Colon cancer screening, US$1,200 from 50 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
• US$350 for the main insured and dependent spouse
• US$150 for dependent children
• Colon cancer screening, US$1,200 from 50 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Hearing aids
US$1,200 per lifetime
Alzheimer’s disease
100%
Autism
Included in the specialized treatments benefit up to US$2,500
Outpatient surgery
Not specified
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100%
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100% including genetic testing for cancer detection
Dialysis
100%
Surgery to reduce the risk of cancer or prophylactic surgery
US$25,000 per lifetime, after a 24-month waiting period
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
US$500,000 per lifetime
Benefits for live donors
Included in the organ and tissue transplant benefit, no limit specified
Durable medical equipment
US$12,000
Allergy treatments
100%
Physical therapy and rehabilitation
Inpatient
• 100%
Outpatient
• US$12,000
• 100%
Outpatient
• US$12,000
Specialized treatments
Autism, occupational therapist, speech therapist, sleep apnea and other sleep disorders
• US$2,500 for outpatient treatments
• US$2,500 for outpatient treatments
Congenital conditions diagnosed before age 18
US$500,000 per lifetime
Congenital conditions diagnosed after age 18
US$2,000,000 per lifetime
HIV-AIDS
US$250,000 per lifetime, after a 48-month waiting period
Human papilloma virus (HPV)
• 100%
Human papilloma virus (HPV)
• 100%
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
Only available on deductible options of less than US$5,000
No deductible applies, after a 10-month waiting period
• US$6,000 per pregnancy for normal delivery or cesarean delivery
Includes prenatal and postnatal care, 2 pediatric visits and collection and transportation of stem cells from the umbilical cord
No deductible applies, after a 10-month waiting period
• US$6,000 per pregnancy for normal delivery or cesarean delivery
Includes prenatal and postnatal care, 2 pediatric visits and collection and transportation of stem cells from the umbilical cord
Maternity and newborn complications
Only available on deductible options of less than US$5,000
No deductible applies, after a 10-month waiting period
• 100% in Latin America
• US$500,000 per lifetime outside Latin America
For multiple births of a covered maternity, the benefit will be distributed proportionally among the newborns
No deductible applies, after a 10-month waiting period
• 100% in Latin America
• US$500,000 per lifetime outside Latin America
For multiple births of a covered maternity, the benefit will be distributed proportionally among the newborns
Inclusion of the newborn
Only available on deductible options of less than US$5,000
• Newborns from a covered maternity have automatic coverage, provided they are enrolled in the policy within 60 days of birth
• Newborns from a covered maternity have automatic coverage, provided they are enrolled in the policy within 60 days of birth
Extraction and storage of umbilical cord blood stem cells
Included in the maternity care benefit up to US$6,000
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
N/A
Pre-natal and post-natal care
Only available on deductible options of less than US$5,000
• Included in the maternity care benefit up to US$6,000
• Included in the maternity care benefit up to US$6,000
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
US$80,000 no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$650 per person
Repatriation of mortal remains
Included in the air ambulance benefit up to US$80,000
Funeral Assistance Rider
• US$2,500 for funeral services for the main insured and spouse, 18-74 years old, after a 180-day waiting period
Funeral Assistance Rider
• US$2,500 for funeral services for the main insured and spouse, 18-74 years old, after a 180-day waiting period
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
100%
Injuries during the training or practice of professional sports
N/A
Emergency dental coverage
100% for treatment of the covered accident
Reconstructive surgery after an accident or illness
100%
Refractive eye surgery
N/A
Palliative care for terminal cases
100% up to 30 days, per lifetime
Temporary coverage for accidents while application is being underwritten
US$25,000
Free extended coverage for eligible dependents after policyholder’s death
N/A
Free coverage for dependents
N/A
Deductible elimination/reduction for no claims made
For deductible options of US$5,000 or less
• Elimination for 1 policy year after the end of the 3rd year without claims
For deductible options greater than US$5,000
• Reduction of 50% for 1 policy year after the end of the 3rd year without claims
• Elimination for 1 policy year after the end of the 3rd year without claims
For deductible options greater than US$5,000
• Reduction of 50% for 1 policy year after the end of the 3rd year without claims
Deductible elimination
• Up to US$1,000 of the deductible will be waived for inpatient surgery in the country of residence
• For deductible options of US$5,000 or less: elimination of the deductible for a hospitalization due to a serious accident
• For deductible options of US$5,000 or less: elimination of the deductible for a hospitalization due to a serious accident
Second medical opinion
Included
Prosthetic limbs
US$7,000 per lifetime
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
N/A
Declared pre-existing conditions
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%
Illness or injury in private aircraft
Injuries caused by an aviation accident on a private/commercial aircraft
• 100%
• 100%
Contraceptive treatments
N/A
Patient concierge services
N/A
Travel assistance
Traveler Assistance Rider
Up to 74 years old
• US$10,000 for the first medical treatment
75 - 85 years old
• 50% of the benefit
85 years old
• 25% of the benefit
Not available for 86 year olds and older
Up to 74 years old
• US$10,000 for the first medical treatment
75 - 85 years old
• 50% of the benefit
85 years old
• 25% of the benefit
Not available for 86 year olds and older
Hospital cash benefit
N/A
Optional additional benefits
Evacuation to country of choice, country of residence or home country
N/A
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A