International Plans Comparison

Solicitar cotización	Solicitar cotización	Solicitar cotización	Solicitar cotización

Plan Type
Individual	Individual	Individual	Individual
Type
Open	Open	Open	Open
Deductible Type
Per Policy Year for all benefits, per Policyholder and/or Dependents	Per Policy Year for all benefits, per Policyholder and/or Dependents	Per Policy Year for all benefits, per Policyholder and/or Dependents	Per Policy Year for all benefits, per Policyholder and/or Dependents
Deductible Amount
			Option I: USD. 5,000; Option II: USD. 10,000; Option III: USD. 15,000; Option IV: USD. 20,000
Deductible Amount, maximum 2 per Family
Option I: 500; Option II: 1,000; Option III: 2,500; Option IV: 5,000; Option V: 10,000; Option VI: 20,000	Option I: 500; Option II: 1,000; Option III: 2,500; Option IV: 5,000; Option V: 10,000; Option VI: 20,000	Option I: 500; Option II: 1,000; Option III: 2,500; Option IV: 5,000; Option V: 10,000; Option VI: 20,000
Maximum coverage amount per Policy Year per Primary Insured and/or Dependents
7,000,000	5,000,000	1,000,000 2,000,000	USD. 500,000 - National Coverage
Name of the Applicable Fee Schedule
BMI Rate Schedule	BMI Rate Schedule	BMI Rate Schedule	BMI Rate Schedule
Account Accumulation Period
180 Days	180 Days	180 Days	180 Days
Claim submission period
90 Days	90 Days	90 Days	90 Days

Outpatient Care includes consultations, tests, treatments and other services and benefits described in the General Conditions of this Policy. Medications, therapies and ancestral medicine are subject to their own limits
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Outpatient Surgery
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Medications
Total coverage amount	In the Country of Residence: Total coverage amount Outside the Country of Residence: USD. 15,000	In the Country of Residence: Total coverage amount Outside the Country of Residence: USD. 5,000	Total coverage amount
Specialty medications
Total coverage amount	Total coverage amount	Total coverage amount
Therapies prescribed as part of the treatment of a Disability, subject to review that they are Medically Necessary and to the provisions of the General Conditions of this Policy.
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Ancestral medicine only in the Country of Residence
USD. 500	USD. 500	USD. 500	USD. 500
Alternative medicine only in the Country of Residence
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount

Hospital Care includes physician visits, nursing care, professional consultations and other benefits described in the General Conditions of this Policy. Room and Board, the Intensive Care Unit and Medications are subject to their own limits
Total coverage amount	Total coverage amount	Total coverage amount
Hospital Care includes physician visits, nursing care, professional consultations and other benefits described in the General Conditions of this Policy. Room and Board and the Intensive Care Unit are subject to their own limits
			Total coverage amount
Daily Room and Board
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount Maximum 240 days
Daily Intensive Care Unit
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount Maximum 240 days
Medications during hospital stays
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Medications after hospitalization or surgery (maximum 90 days)
Total coverage amount	Total coverage amount	Total coverage amount
Medical treatment for Accidents and Emergencies outside the Plan Ideal Provider Network in the United States of America
		USD. 50,000
Medical treatment for Accidents and Emergencies outside the Azure Network Provider Network in the United States of America
	USD. 50,000	USD. 50,000

Deductible condition for pregnancy
Applies only to deductibles up to USD 2,500	Applies only to deductibles up to USD 2,500	Applies only to deductibles up to USD 2,500	Applies to all deductibles
Pregnancy Care, once the deductible has been met
			Total coverage amount
Pregnancy Care (Applies only to Deductible options I, II, III) with no Deductible or Coinsurance applied
USD. 7,500	USD. 5,000	USD. 2,500	Total coverage amount
Complications during pregnancy and postpartum
			USD. 50,000
Complications during pregnancy and postpartum (applies only to Deductible options I, II, III) with no Deductible applied
Total coverage amount	USD. 150,000	USD. 100,000
Umbilical cord stem cell preservation, with no Deductible or Coinsurance applied, per newborn (Applies only to Deductible options I, II, III)
USD. 1,500	USD. 1,500

Newborn care and complications (From a covered maternity or in utero inclusion)
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount

Medical Emergency due to Accident or Illness
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Congenital, Genetic and Hereditary Illnesses arising after the purchase of this Policy
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Degenerative and Rare Illnesses arising after the purchase of this Policy
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Comprehensive cancer care including reconstructive surgery and rehabilitation, provided it is Medically Necessary and/or a Disability exists.
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Organ Transplants
USD. 3,500,000	USD. 2,500,000	USD. 500,000 1,000,000	USD. 250,000

Chronic and Catastrophic Illnesses arising after the purchase of this Policy
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Medical Emergency due to Accident or Illness
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Primary Prevention Benefits only in the Country of Residence, as stipulated in the Zero-Rate Benefits Chapter of the General Conditions
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount

Maximum limit for coverage of Acquired Immunodeficiency Syndrome AIDS, ARC and HIV Positive-related conditions, diagnosed from month thirteen (13) after the purchase of this Policy, inside and outside the Country of Residence
USD. 500,000	USD. 10,000	USD. 10,000
Maximum limit for coverage of Acquired Immunodeficiency Syndrome AIDS, ARC and HIV Positive-related conditions, diagnosed in the first twelve (12) months after the purchase of this Policy and/or when the Illness was acquired through the use of any type of illicit intravenous drug, only in the Country of Residence
USD. 50,000	USD. 1,000	USD. 1,000
Acquired Immunodeficiency Syndrome (AIDS), SCRS and HIV Positive-related conditions
			USD. 10,000
Medicated nutritional formulas, provided that the Condition requires their use and they are prescribed by a Physician
USD. 5,000	USD. 5,000	USD. 5,000	USD. 3,000
Tubal Ligation and Vasectomy, only for the Primary Insured and/or their spouse or common-law partner
USD. 1,000	USD. 1,000	USD. 1,000	Total coverage amount
Temporary contraceptives per Policy Year, per Policyholder and/or Dependents
USD. 100	USD. 100	USD. 100	USD. 100
Emergency Dental Treatment as a Result of an Accident
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Hospital and/or Clinic accommodation charges for one companion of newborns, patients under sixteen and over seventy-five years of age (Maximum limit per day)
USD. 400 Maximum 30 days	USD. 100 Maximum 30 days	USD. 100 Maximum 30 days	USD. 50 Maximum 10 Days
Underweight and Obesity, provided there is a definitive medical diagnosis and it is Medically Necessary
Total coverage amount	Total coverage amount	Total coverage amount	Total coverage amount
Coverage for Disabilities arising from the use or consumption of alcohol, drugs or narcotics
USD. 500	USD. 500	USD. 500	USD. 500
Coverage for Injuries due to mental health disorders, states of dementia, including those resulting from attempted suicide
USD. 500	USD. 500	USD. 500	USD. 500

Durable medical equipment, prostheses and orthopedic devices per Policy Year, per Policyholder and/or Dependents
USD. 50,000	USD. 25,000	USD. 5,000
Home nursing
Total coverage amount Maximum 180 days	Total coverage amount Maximum 90 days	Total coverage amount 30 days
Routine medical checkup, after one year, for the Policyholder and spouse or common-law partner, with no Deductible applied (Maximum limit per checkup)
USD. 300	USD. 250	USD. 150
Local ambulance service
Total coverage amount	Total coverage amount	USD. 1,000	USD. 100
Hazardous sports coverage
Total coverage amount	Total coverage amount	Total coverage amount
Robotic surgery
In the Country of Residence: USD. 25,000 Outside the Country of Residence: Total coverage amount	In the Country of Residence: USD. 25,000 Outside the Country of Residence: Total coverage amount	In the Country of Residence: USD. 25,000 Outside the Country of Residence: Total coverage amount	In the Country of Residence: USD. 25,000 Outside the Country of Residence: Total coverage amount
Medical Emergency related to a declared Pre-existing Condition, incurred during the Waiting Period established for Pre-existing Conditions, for the Primary Insured and/or Dependent
USD. 500	USD. 500	USD. 500	USD. 500
Medical Emergency related to an undeclared Pre-existing Condition, for the Primary Insured and/or Dependent
USD. 500	USD. 500	USD. 500	USD. 500
Medical Emergency air transportation with no Deductible applied
1	1	1

Maximum Limit per Policy Year for all declared Pre-existing Conditions, per Primary Insured and/or Dependent
20 SBU	20 SBU	20 SBU	20 SBU
Maximum Limit per Policy Year for Pre-existing Conditions related to a disability, per Primary Insured and/or Dependent
20 SBU	20 SBU	20 SBU	20 SBU

Cancer, Chronic Kidney Failure, Cardiovascular Disease per Policy Year
			USD. 1,000,000*
Organ Transplant per Policy Year
			USD. 500,000*
* In addition to the maximum coverage amount per Policy Year per Policyholder and/or Dependents. The maximum liability is US$ 1,500,000 ** In addition to the amount for Organ Transplant. The maximum liability is US$ 750,000


Waiver of premiums in the event of death or Total and Permanent Disability of the Policyholder
2 years	2 years	2 years	1 year

International Prepaid Medicine Comparison

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