RedBridge RedMax Care
Type of plan
RedMax Care
Cobertura máxima por asegurado
US$5,000,000 per policy year
Edad límite para solicitar cobertura
75
Período de espera
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
Cobertura fuera de Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro de Estados Unidos
• 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
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
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
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
N/A
Beneficios ambulatorios
Sala de emergencia
100%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
100%
Medicamentos prescritos
US$30,000
Terapias complementarias
N/A
Cuidados de enfermero(a) en el hogar
US$15,000
Chequeo médico preventivo
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
Aparatos auditivos
US$1,200 per lifetime
Enfermedad de Alzheimer
100%
Autismo
Included in the specialized treatments benefit up to US$2,500
Cirugía ambulatoria
Not specified
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% including genetic testing for cancer detection
Diálisis
100%
Cirugía de reducción de riesgo de cáncer o cirugía profiláctica
US$25,000 per lifetime, after a 24-month waiting period
Prótesis y medios correctivos implantados durante una cirugía
100%
Trasplante de órganos y tejidos
US$500,000 per lifetime
Beneficios para el donante vivo
Included in the organ and tissue transplant benefit, no limit specified
Equipo médico durable
US$12,000
Tratamiento de alergias
100%
Terapia física y de rehabilitación
Inpatient
• 100%
Outpatient
• US$12,000
• 100%
Outpatient
• US$12,000
Tratamientos especializados
Autism, occupational therapist, speech therapist, sleep apnea and other sleep disorders
• US$2,500 for outpatient treatments
• US$2,500 for outpatient treatments
Condiciones congénitas diagnosticadas antes de los 18 años
US$500,000 per lifetime
Condiciones congénitas diagnosticadas después de los 18 años
US$2,000,000 per lifetime
VIH-SIDA
US$250,000 per lifetime, after a 48-month waiting period
Human papilloma virus (HPV)
• 100%
Human papilloma virus (HPV)
• 100%
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
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
Complicaciones de la maternidad y del recién nacido
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
Inclusión del recién nacido
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
Extracción y almacenamiento de células madres
Included in the maternity care benefit up to US$6,000
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
N/A
Atención prenatal y postnatal
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
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100% no deductible applies
Transportación de emergencia por ambulancia aérea
US$80,000 no deductible applies
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
US$650 per person
Repatriación de restos mortales
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
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
100%
Lesiones durante el entrenamiento o la práctica de deportes profesionales
N/A
Cobertura dental de emergencia
100% for treatment of the covered accident
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
100%
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
100% up to 30 days, per lifetime
Cobertura provisional para accidentes mientras se procesa la solicitud
US$25,000
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
N/A
Cobertura gratuita para dependientes
N/A
Eliminación/reducción del deducible por no presentar reclamos
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
Eliminación del deducible
• 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
Segunda opinión médica
Included
Prótesis externas
US$7,000 per lifetime
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%
Enfermedad o lesión en aeronave privada
Injuries caused by an aviation accident on a private/commercial aircraft
• 100%
• 100%
Tratamientos anticonceptivos
N/A
Servicios de consultoría para pacientes
N/A
Asistencia de viaje
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
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