Bupa Panama Essential Care
Type of plan
Essential Care
Cobertura máxima por asegurado
US$1,000,000 per policy year
Edad límite para solicitar cobertura
75
Período de espera
30 days
Cobertura fuera de Estados Unidos
Outside the country of residence
• 100% without restrictions of doctors and hospitals, a 20% coinsurance applies with a cap of US$5,000 per insured and a maximum of US$10,000 per family
Within country of residence
• 100% without restrictions of doctors and hospitals
• 100% without restrictions of doctors and hospitals, a 20% coinsurance applies with a cap of US$5,000 per insured and a maximum of US$10,000 per family
Within country of residence
• 100% without restrictions of doctors and hospitals
Cobertura dentro de Estados Unidos
100% without restrictions of doctors and hospitals, a 20% coinsurance applies with a cap of US$5,000 per insured and a maximum of US$10,000 per family
Beneficios hospitalarios
Habitación hospitalaria privada estándar
100% up to the coverage limit
Beneficio especial para suite
N/A
Unidad de cuidados intensivos
100% up to the coverage limit
Acompañante adulto durante una hospitalización
100% up to one person
Medicamentos prescritos durante una hospitalización
100% up to the coverage limit
Tratamientos psiquiátricos
N/A
Beneficios ambulatorios
Sala de emergencia
100% up to the coverage limit and at emergency centers and convenience clinics in the U.S. within the Essential Preferred Provider Network a US$50 co-payment applies, if the deductible has not been met
Visitas de médicos y especialistas
100% up to the coverage limit
Visitas de médicos y especialistas en el hogar
Not specified
Medicamentos prescritos
US$4,000, a 20% coinsurance applies, outside the country of residence
Terapias complementarias
N/A
Cuidados de enfermero(a) en el hogar
Home nursing for rehabilitation or palliative care
• US$200 per day, up to 30 days
• US$200 per day, up to 30 days
Chequeo médico preventivo
Vaccines such as HPV, influenza, pneumococcal, malaria and travel vaccinations
• 80% up to US$150, no deductible applies, 20% coinsurance outside the country of residence
• 80% up to US$150, no deductible applies, 20% coinsurance outside the country of residence
Aparatos auditivos
100% up to the coverage limit
Enfermedad de Alzheimer
N/A
Autismo
N/A
Cirugía ambulatoria
100% up to the coverage limit
Terapia de reemplazo hormonal para aliviar los síntomas de la menopausia
N/A
Beneficios generales
Honorarios del cirujano y del anestesiólogo
100% up to the coverage limit
Servicios de estudios diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100% up to the coverage limit
• 100% up to the coverage limit
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
100% up to the coverage limit
Diálisis
100% up to the coverage limit
Cirugía de reducción de riesgo de cáncer o cirugía profiláctica
Preventive surgery
• 100% up to the coverage limit
• 100% up to the coverage limit
Prótesis y medios correctivos implantados durante una cirugía
100% up to the coverage limit
Trasplante de órganos y tejidos
Per diagnostic
• US$500,000 per lifetime, a 20% coinsurance applies outside the country of residence
• US$500,000 per lifetime, a 20% coinsurance applies outside the country of residence
Beneficios para el donante vivo
Included in the organ and tissue transplant benefit up to US$500,000, no limit specified
Equipo médico durable
US$10,000, a 20% coinsurance applies, outside the country of residence
Tratamiento de alergias
Not specified
Terapia física y de rehabilitación
Multidisciplinary rehabilitation
• US$100 per day, up to 30 days
• US$100 per day, up to 30 days
Tratamientos especializados
Inpatient
• Physical therapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100% up to the coverage limit
Outpatient
• Physical therapy, osteopathy and chiropractics, 100% up to 15 visits, up to the coverage limit
• Physical therapy, occupational therapy, kinesiology, speech therapy and nutritionist, 100% up to the coverage limit
Outpatient
• Physical therapy, osteopathy and chiropractics, 100% up to 15 visits, up to the coverage limit
Condiciones congénitas diagnosticadas antes de los 18 años
US$200,000 per lifetime, a 20% coinsurance applies, outside the country of residence
Condiciones congénitas diagnosticadas después de los 18 años
US$500,000 per lifetime, a 20% coinsurance applies, outside the country of residence
VIH-SIDA
US$250,000 per lifetime, after a 12-month waiting period, a 20% coinsurance applies, outside the country of residence
Tratamiento quirúrgico de trastornos sintomáticos de los pies
N/A
Psicología
N/A
Medicamentos prescritos para la salud mental
N/A
Beneficios de maternidad
Maternidad
No deductible, after a 10-month waiting period
Options I, II, III & IV within country of residence and option I outside the country of residence
• US$4,000 per pregnancy, for normal or c-section, a 20% coinsurance applies, outside the country of residence
Options I, II, III & IV within country of residence and option I outside the country of residence
• US$4,000 per pregnancy, for normal or c-section, a 20% coinsurance applies, outside the country of residence
Complicaciones de la maternidad y del recién nacido
No deductible, after a 10 month waiting period
Options I, II, III & IV
• US$250,000 per lifetime, a 20% coinsurance applies, outside the country of residence
Options I, II, III & IV
• US$250,000 per lifetime, a 20% coinsurance applies, outside the country of residence
Inclusión del recién nacido
Options I, II, III & IV
• 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
Extracción y almacenamiento de células madres
N/A
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$250,000
• Included in the maternity and newborn complications benefit up to US$250,000
Atención prenatal y postnatal
Options I, II, III & IV
• Included in the maternity benefit up to US$4,000
• Included in the maternity benefit up to US$4,000
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
Outside Panama
• US$60,000 for hospital medical evacuation, a 20% coinsurance applies
Within Panama
• 100%
• US$60,000 for hospital medical evacuation, a 20% coinsurance applies
Within Panama
• 100%
Transportación de emergencia por ambulancia aérea
Outside Panama
• Included in the hospital medical evacuation benefit up to US$60,000, a 20% coinsurance applies
Within Panama
• 100%
• Included in the hospital medical evacuation benefit up to US$60,000, a 20% coinsurance applies
Within Panama
• 100%
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
N/A
Repatriación de restos mortales
US$5,000, a 20% coinsurance applies, outside the country of residence
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
100% up to the coverage limit
Lesiones durante el entrenamiento o la práctica de deportes profesionales
N/A
Cobertura dental de emergencia
100% up to the limits of coverage, provided that the first expense is incurred within 30 days after the accident
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
100% if medically necessary and as a result of a medical condition covered by the policy
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
100% up to the coverage limit
Cobertura provisional para accidentes mientras se procesa la solicitud
N/A
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
1 year
Cobertura gratuita para dependientes
N/A
Eliminación/reducción del deducible por no presentar reclamos
N/A
Eliminación del deducible
N/A
Segunda opinión médica
Included
Prótesis externas
100% up to the coverage limit
Tratamiento dental mayor o de rutina
N/A
Reembolso por viaje para tratamientos en la red de centros de excelencia de Latinoamérica
N/A
Guerra y terrorismo
N/A
Seguro de vida a término
N/A
Condiciones preexistentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
N/A
Condiciones catastróficas y raras
N/A
Emergencia médica
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
Enfermedad o lesión en aeronave privada
N/A
Tratamientos anticonceptivos
N/A
Servicios de consultoría para pacientes
N/A
Asistencia de viaje
N/A
Beneficio hospitalario en dinero en efectivo
N/A
Beneficios adicionales opcionales
Evacuación al país de elección, de residencia o domiciliar del asegurado
N/A
Evacuación que no sea de emergencia
N/A
Exoneración del período de espera para condiciones preexistentes
N/A