Bupa Panama Essential Care
Type of plan
Essential Care
Cobertura máxima por segurado
US$1,000,000 per policy year
Idade limite para solicitar cobertura
75
Período de carência
30 days
Cobertura fora dos 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 dos 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
Coberturas Hospitalares
Quarto de hospital padrão particular
100% up to the coverage limit
Benefício especial para uma suíte
N/A
Unidade de cuidados intensivos
100% up to the coverage limit
Acompanhante durante uma hospitalização
100% up to one person
Medicamentos prescritos durante uma internação
100% up to the coverage limit
Tratamento hospitalar para saúde mental
N/A
Coberturas Ambulatoriais
Sala de emergência
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
Consultas médicas e de especialistas
100% up to the coverage limit
Consultas médicas e de especialistas em residência
Not specified
Medicamentos prescritos
US$4,000, a 20% coinsurance applies, outside the country of residence
Terapias complementares
N/A
Cuidados de enfermagem no domicílio / home care
Home nursing for rehabilitation or palliative care
• US$200 per day, up to 30 days
• US$200 per day, up to 30 days
Exame médico preventivo (check-up)
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
Aparelhos auditivos
100% up to the coverage limit
Doença de Alzheimer
N/A
Autismo
N/A
Cirurgia ambulatorial
100% up to the coverage limit
Terapia de reposição hormonal para aliviar os sintomas da menopausa
N/A
Benefícios Gerais
Honorários do cirurgião e do anestesista
100% up to the coverage limit
Serviços de estudos diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100% up to the coverage limit
• 100% up to the coverage limit
Oncologia: exames de câncer, tratamento (quimioterapia e/ou radioterapia) e medicamentos
100% up to the coverage limit
Diálise
100% up to the coverage limit
Cirurgia para reduzir o risco de câncer ou cirurgia profilática
Preventive surgery
• 100% up to the coverage limit
• 100% up to the coverage limit
Prótese e meios corretivos implantados durante uma cirurgia
100% up to the coverage limit
Transplante de órgãos e tecido
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
Cobertura para o doador vivo
Included in the organ and tissue transplant benefit up to US$500,000, no limit specified
Equipamento médico-hospitalar
US$10,000, a 20% coinsurance applies, outside the country of residence
Tratamento de alergia
Not specified
Fisioterapia e reabilitação
Multidisciplinary rehabilitation
• US$100 per day, up to 30 days
• US$100 per day, up to 30 days
Tratamentos 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
Condições congênitas diagnosticadas antes dos 18 anos
US$200,000 per lifetime, a 20% coinsurance applies, outside the country of residence
Condições congênitas diagnosticadas na idade de 18 ou após
US$500,000 per lifetime, a 20% coinsurance applies, outside the country of residence
HIV-AIDS
US$250,000 per lifetime, after a 12-month waiting period, a 20% coinsurance applies, outside the country of residence
Tratamento cirúrgico de distúrbios sintomáticos do pé
N/A
Psicoterapia
N/A
Medicamentos prescritos para saúde mental
N/A
Benefícios de Maternidade
Maternidade
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
Complicações de maternidade e do nascimento
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
Inclusão de recém-nascido
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
Extração e armazenamento de células tronco
N/A
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (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
Cuidados pré-natais e pós-natais
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
Benefícios de Evacuação Médica
Transporte de emergência por ambulância 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%
Transporte de emergência por ambulância 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%
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
N/A
Repatriação de restos mortais
US$5,000, a 20% coinsurance applies, outside the country of residence
Outros Benefícios
Lesões durante o treinamento ou na prática de hobbies e/ou esportes perigosos não profissionais
100% up to the coverage limit
Lesões durante o treinamento ou na prática de esportes profissionais
N/A
Cobertura dental de emergência
100% up to the limits of coverage, provided that the first expense is incurred within 30 days after the accident
Cirurgia corretiva ou reconstrutiva em caso de doença ou acidente
100% if medically necessary and as a result of a medical condition covered by the policy
Cirurgia refrativa ocular
N/A
Cuidados paliativos em casos terminais
100% up to the coverage limit
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
N/A
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
1 year
Cobertura gratuita para dependentes
N/A
Eliminação / redução da franquia por não apresentar reembolsos
N/A
Eliminação da franquia
N/A
Segunda opinião médica
Included
Prótese de membros
100% up to the coverage limit
Tratamento odontológico maior ou de rotina
N/A
Reembolso de viagens para tratamentos na rede de centros de excelência da América Latina
N/A
Guerra e Terrorismo
N/A
Seguro de vida temporário
N/A
Condições pré-existentes declaradas
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
Serviços de concierge para pacientes
N/A
Assistência de viagem
N/A
Benefício hospitalário em dinheiro
N/A
Benefícios adicionais opcionais
Evacuação para o país de escolha do segurado, país de residência ou país de origem
N/A
Evacuação não emergencial
N/A
Exoneração do período de espera para condiciones preexistentes
N/A