Bupa Panama Global Ultimate
Type of plan
Global Ultimate
Maximum coverage per insured
Unlimited
Age limit to apply
75
Waiting period
N/A
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
100% without restrictions of doctors and hospitals
Inpatient Benefits
Standard private hospital room
100%
Special benefit for suite
100%
Intensive care unit
100%
Adult companion accommodation during a hospitalization
• 100%
• US$17,000 for out-of-hospital lodging expenses
• US$17,000 for out-of-hospital lodging expenses
Prescribed medications while hospitalized
100%
Psychiatric treatments
Mental Health during hospitalization
• 100%
Treatment for anxiety or psychotic crisis during hospitalization
• US$70,000 up to 20 days
• 100%
Treatment for anxiety or psychotic crisis during hospitalization
• US$70,000 up to 20 days
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Prescribed medications
100%
Complementary therapy
Alternative medicine consultations, naturopathy, homeopathy and chinese medicine
• 100%
Acupuncturists and reflexologists
• 100%
• 100%
Acupuncturists and reflexologists
• 100%
Nurse care at home
Home nursing for rehabilitation or palliative care
• 100%
Nurse practitioners as outpatient treatment
• 100%
• 100%
Nurse practitioners as outpatient treatment
• 100%
Preventive health checkup
No deductible, after a 10-month waiting period
• US$7,500 for general health examination
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccinations
• 100% 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
Cancer genetic test
• 100%
• US$7,500 for general health examination
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccinations
• 100% 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
Cancer genetic test
• 100%
Hearing aids
100%
Alzheimer’s disease
US$100,000 per lifetime, including medications
Autism
US$50,000 including medications
Outpatient surgery
100%
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%
Dialysis
100%
Surgery to reduce the risk of cancer or prophylactic surgery
Preventive surgery
• 100%
• 100%
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
100%
Benefits for live donors
Included in the organ and tissue transplant benefit at 100%
Durable medical equipment
100%
Eyeglasses and contact lenses
• US$4,000
Eyeglasses and contact lenses
• US$4,000
Allergy treatments
N/A
Physical therapy and rehabilitation
Multidisciplinary rehabilitation
• 100%
• 100%
Specialized treatments
Inpatient
• Physical therapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%
Outpatient
• Physical therapy, osteopathy and chiropractics, 100%
• Occupational therapist and orthoptist, 100%
• Nutritional counseling, 100% up to 4 visits
• Physical therapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100%
Outpatient
• Physical therapy, osteopathy and chiropractics, 100%
• Occupational therapist and orthoptist, 100%
• Nutritional counseling, 100% up to 4 visits
Congenital conditions diagnosed before age 18
100%
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$1,500,000 per lifetime, after a 12-month waiting period
Surgical treatment of symptomatic foot disorders
100%
Psychology
Mental Health
• 100%
• 100%
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible, after a 10-month waiting period
Options I, II & III
• 100% per pregnancy, for normal or elective c-section
• 100% per pregnancy, medically necessary c-section
Options I, II & III
• 100% per pregnancy, for normal or elective c-section
• 100% per pregnancy, medically necessary c-section
Maternity and newborn complications
No deductible, after a 10 month waiting period
Options I, II & III
• US$1,500,000 per lifetime
Options I, II & III
• US$1,500,000 per lifetime
Inclusion of the newborn
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
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Options I, II & III
• Included in the maternity and newborn complications benefit up to US$1,500,000
• Included in the maternity and newborn complications benefit up to US$1,500,000
Pre-natal and post-natal care
Options I, II & III
• Included in the maternity benefit at 100%
• Included in the maternity benefit at 100%
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
Emergency transportation by air ambulance
100%
Insured’s and companion’s return ticket after an evacuation by air ambulance
100%
Travel costs for one accompanying person
• 100%
Food and transportation costs for accompanying person
• US$16,000 per policy year, up to 10 days
Travel costs for children's relocation
• 100%
Travel costs for travel, meals and transportation for compassionate visits, up to 3 family members
• 100% for relocation travel and for food and transportation costs for accompanying persons
Non-medical evacuation in cases of conflict and natural disasters
• 100%
Travel costs for one accompanying person
• 100%
Food and transportation costs for accompanying person
• US$16,000 per policy year, up to 10 days
Travel costs for children's relocation
• 100%
Travel costs for travel, meals and transportation for compassionate visits, up to 3 family members
• 100% for relocation travel and for food and transportation costs for accompanying persons
Non-medical evacuation in cases of conflict and natural disasters
• 100%
Repatriation of mortal remains
100%
Medical repatriation
• 100%
Medical repatriation
• 100%
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
100%
Emergency dental coverage
100% up to the limits of coverage, provided that the first expense is incurred within 30 days after the accident
Reconstructive surgery after an accident or illness
100%
Refractive eye surgery
100%
Palliative care for terminal cases
100%
Temporary coverage for accidents while application is being underwritten
N/A
Free extended coverage for eligible dependents after policyholder’s death
2 years if occurs from a covered event
Free coverage for dependents
For dependents under 16 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
Deductible elimination/reduction for no claims made
N/A
Deductible elimination
N/A
Second medical opinion
Included
Prosthetic limbs
100%
Routine and major dental treatment
Dental treatment, after a 6-month waiting period
• US$4,000 for fillings, root canal, x-ray, tooth extraction, and anesthesia
Major non-esthetic restoration, after a 6-month waiting period
• US$4,000 for bridges, crowns, dental implants and dentures
Non esthetic orthodontics, after a 12-month waiting period
• US$4,000
• US$4,000 for fillings, root canal, x-ray, tooth extraction, and anesthesia
Major non-esthetic restoration, after a 6-month waiting period
• US$4,000 for bridges, crowns, dental implants and dentures
Non esthetic orthodontics, after a 12-month waiting period
• US$4,000
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% 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
Patient concierge services
N/A
Travel assistance
N/A
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