• Any person who resides in Latin America or the Caribbean. The maximum age for enrollment is 74.

• Dependent children up to their 18th birthday or if they are single and residing with the policyholder up to their 30th birthday. Dependents studying full-time outside their country of residence until their 24th birthday.

• Medical Exam is required for all proposed insureds age 60 and over

• Plan not available for Puerto Rico, US Virgin Islands, Cuba and Brazil.

Deductible Options

US$500 US$1,000 US$2,500 US$5,000 US$10,000 US$20,000

• Applies per insured, per policy year, up to a maximum of 2 deductibles per family.
• Expenses incurred during the last 90 days of the policy year not exceeding the deductible will be applied to the next policy year period.
period of the policy year.

General Information

Maximum coverage per insured (Per policy year) US$250,000 (US$500,000 optional)
Waiting period 30 days / Immediate coverage for
accidents and infectious diseases
Geographic coverage Latin America and the Caribbean
Hospital network Freedom of choice
Renewals Guaranteed. No age limit
BMI Access Included at no additional cost

Hospitalization Benefits

Description Coverage
Medical and surgical charges 100%
Physician fees 100%
Laboratory tests and diagnostic services 100%
Hospital room (Maximum 240 days) 100%
Intensive care unit (Maximum 240 days) 100%
Prescription Drugs 100%

Outpatient Benefits

Outpatient surgery100%

Description Coverage
Ambulatory surgery 100%
Outpatient services (Maximum US$10,000)

Visits to physicians and specialists
Laboratory tests and diagnostic services Physical therapy, occupational therapy and speech therapy for covered illness or accident
Medical visits for sleep apnea
Allergy doctor visits
Treatment for injuries as a result of participation in non-professional sports

Prescription drugs after hospitalization or surgery (Maximum 15 days) 100%
Prescription drugs non related to hospitalization or surgery US$2,000
Routine medical check-up (Deductible does not apply. Policyholder and spouse. 12 month waiting period) US$150

Maternity benefits

Other Benefits

Description Coverage
Chemotherapy, radiotherapy and dialysis (Maximum $50,000) 80%
Cancer risk reduction surgery (Prophylactic surgery) 100%
Reconstructive surgery due to illness 100%
Home nursing (Maximum 15 days) 100%
Intraoperative prostheses 100%
Local ambulance (Deductible does not apply) 100%
Congenital conditions (Diagnosed before age 18. Lifetime) US$100,000
Congenital conditions (Diagnosed from age 18) 100%
Organ transplant (Lifetime) US$250,000
Medical benefit for organ resection from a donor US$25,000
Air ambulance US$35,000
Transportation expenses for companion US$1,000
Alzheimer US$5,000
Medical equipment, external prostheses and orthopedic devices US$2,500
Hearing aid (12 month waiting period. Lifetime) US$1,500

Additional Coverage Riders (Optional)

Maximum coverage per insured (Per policy year) US$500,000

Term Life Insurance (US$50,000 or US$100,000)

The information on this site is for informational purposes. Benefits are detailed in the policy contract.


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