BMI Support
Type of plan
Support
Cobertura máxima por asegurado
US$500,000 per policy year
Edad límite para solicitar cobertura
Unlimited
Período de espera
30 days
Cobertura fuera de Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro de Estados Unidos
• 100% through the preferred provider network
• Outside the preferred provider network coverage will be at 50% and US$50,000 for emergencies
• Outside the preferred provider network coverage will be at 50% and US$50,000 for emergencies
Beneficios hospitalarios
Habitación hospitalaria privada estándar
100% up to 240 days, after a 90-day waiting period
Beneficio especial para suite
N/A
Unidad de cuidados intensivos
100% up to 240 days, after a 90-day waiting period
Acompañante adulto durante una hospitalización
Related to a hospitalization of an insured under age 16, after a 90-day waiting period
• US$50 per night, max. of 10 nights
• US$50 per night, max. of 10 nights
Medicamentos prescritos durante una hospitalización
100% during hospitalization, after a 90-day waiting period
Tratamientos psiquiátricos
N/A
Beneficios ambulatorios
Sala de emergencia
100%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
When justified by the patient's health condition or the impossibility of mobilizing the patient
Medicamentos prescritos
Within Ecuador
• 100%
Outside Ecuador
• N/A
• 100%
Outside Ecuador
• N/A
Terapias complementarias
Ancestral medicine, only in the country of residence
• US$500
Alternative medicine
• 100%
• US$500
Alternative medicine
• 100%
Cuidados de enfermero(a) en el hogar
N/A
Chequeo médico preventivo
100% of the total amount of coverage
Aparatos auditivos
N/A
Enfermedad de Alzheimer
Coverage for injuries due to mental health disorders, states of dementia, including those resulting from suicide attempt
• US$500
• US$500
Autismo
Coverage for injuries due to mental health disorders, states of dementia, including those resulting from suicide attempt
• US$500
• US$500
Cirugía ambulatoria
100%
Robotic surgery
• US$25,000
Robotic surgery
• US$25,000
Terapia de reemplazo hormonal para aliviar los síntomas de la menopausia
N/A
Beneficios generales
Honorarios del cirujano y del anestesiólogo
100%
Servicios de estudios diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
• 100% after a 30-day waiting period for outpatient services and 90 days for inpatient hospital services.
International coverage for cancer, chronic renal failure, cardiovascular disease, 100% in and 50% out of network preferred providers, for outpatient services and 90 days for inpatient services.
• US$1,000,000 per policy year
• US$1,500,000 lifetime
International coverage for cancer, chronic renal failure, cardiovascular disease, 100% in and 50% out of network preferred providers, for outpatient services and 90 days for inpatient services.
• US$1,000,000 per policy year
• US$1,500,000 lifetime
Diálisis
100%
Cirugía de reducción de riesgo de cáncer o cirugía profiláctica
N/A
Prótesis y medios correctivos implantados durante una cirugía
N/A
Trasplante de órganos y tejidos
International coverage for organ transplant, 100% in-network and 50% out-of-network preferred providers, for outpatient services and 90 days for inpatient services
• US$500,000 per policy year
• US$750,000 per lifetime
• US$500,000 per policy year
• US$750,000 per lifetime
Beneficios para el donante vivo
Included in organ and tissue transplant benefit up to US$500,000 per policy year or US$750,000 per lifetime
Equipo médico durable
N/A
Tratamiento de alergias
N/A
Terapia física y de rehabilitación
100%
Tratamientos especializados
N/A
Condiciones congénitas diagnosticadas antes de los 18 años
Included in the pre-existing conditions declared benefit
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
US$10,000 for outpatient services and 90 days for inpatient services
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 applies, after a 60-day waiting period
Options I, II, III & IV
• 100% of the total amount of coverage
Options I, II, III & IV
• 100% of the total amount of coverage
Complicaciones de la maternidad y del recién nacido
No deductible applies, after a 60-day waiting period
Options I, II, III & IV
• US$50,000
Options I, II, III & IV
• US$50,000
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)
No deductible applies, after a 60-day waiting period
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$50,000
Options I, II, III & IV
• Included in the maternity and newborn complications benefit up to US$50,000
Atención prenatal y postnatal
No deductible applies, after a 60-day waiting period
Options I, II, III & IV
• 100% of the total amount of coverage
Options I, II, III & IV
• 100% of the total amount of coverage
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
US$100 for local ambulance
Transportación de emergencia por ambulancia aérea
Included in the benefit of emergency transportation by ground ambulance up to US$100
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
N/A
Repatriación de restos mortales
N/A
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
N/A
Lesiones durante el entrenamiento o la práctica de deportes profesionales
N/A
Cobertura dental de emergencia
100% no deductible applies
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
Included in the oncology benefit at 100%, as long as medically necessary and/or disability exists
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
100%
Cobertura provisional para accidentes mientras se procesa la solicitud
100% for emergencies and medical emergencies after 24-hour waiting period
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
2 years if occurs from a covered event (considering total and permanent disability)
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
N/A
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
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
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
100% after a 30-day waiting period for outpatient services and 90 days for inpatient services
Condiciones catastróficas y raras
100% after a 30-day waiting period for outpatient services and 90 days for inpatient services
Emergencia médica
100% after a waiting period of 24 hours
Enfermedad o lesión en aeronave privada
N/A
Tratamientos anticonceptivos
N/A
Servicios de consultoría para pacientes
N/A
Asistencia de viaje
Emergencies or accidents outside the country of residence, no deductible applies outside the Schengen area and within the Schengen area US$150
• US$10,000 for trips lasting up to 30 days
• US$10,000 for trips lasting up to 30 days
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