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since 7/2003 Bespoke health products / productos de salud a medida ... for / para: boat and golf insurance in Spain Commercial Premises insurance - Spain Community Insurance 'Comunidad' - Spain Company Platinum - health plan for employees in Latin America and the Caribbean dental and medical insurance plans English insurance agent in Spain España - seguros médicos - pero ¿cuál? health insurance Czech Republic international health, medical and travel insurance cover international travel insurance Maritime plan - international health cover (crew only) Oil and Gas Industry - health insurance Patrocinadores - América Latina y el Caribe 'Residencia' (medical insurance) Retirement? How about retiring to Spain? Sanitas Accesible Síndrome de Down Sanitas Accesible Down Syndrome Sanitas Oro Reembolso / Reimbursement Studying outside Spain for at least 6 months? Teachers - international health cover (Spain) |
www.e-agentelocaldeseguros.com BUPA Critical Care ( Bupa Care range of products ) Castellano Critical Care is specifically designed to cover major illnesses and injuries that can have a catastrophic impact on you and your family. Should the worst happen, this plan gives you access through our Bupa Critical Hospital Network to quality doctors and hospitals across Latin America, the Caribbean and the USA. Summary of Benefits Maximum coverage (per insured, per year) $1,000,000
Key benefits Bupa Critical Care only covers the following illnesses and medical needs
The following benefits are subject to the above coverage limits: In-patient coverage • Hospital room and board (private/semi-private) 100% • Intensive care unit 100% • Surgeon & anesthetists fees 100% • Diagnostic services (pathology, X-rays, MRI/CT scans, ultrasounds & endoscopies) 100% • Drugs prescribed while in-patient 100% Out-patient coverage • Physicians & specialists visits 100% • Physical therapy/rehabilitation 100% • Diagnostic services (pathology, X-rays, MRI/CT scans, ultrasounds & endoscopies) 100% • Prescribed drugs (following hospitalization, for a maximum of 6 months) 100% • Home Health Care 100% Optional coverage Deductible You can choose from a range of deductibles on your plan. Choosing to pay a higher deductible will reduce your premium. Coverage starts after meeting your deductible. One deductible per insured, per policy year (Maximum two deductibles per policy, per policy year). What you should know • All in-patient and day-patient treatments must take place in a Bupa Critical Network Hospital. • Emergency medical treatment outside of the Bupa Critical Network will be covered. • Members are required to notify USA Medical Services prior to initiating any treatment. • All costs are subject to being usual, customary and reasonable for the procedure and territory. • No coinsurance applies on the Bupa Critical Care policy. • This is just a summary of Bupa Critical Care; full details of policy terms and conditions are in the policy document available upon request.
• All benefits are in US Dollars. About the Coverage How to Apply for Coverage? Simply complete our application for health insurance and send it to us along with your payment. Within 48 hours of receipt, one of our Underwriters will inform you if your application has been accepted, or if additional information is required to continue the evaluation. Please make sure to answer all questions thoroughly.
Who is eligible for coverage? Residents of Latin America and the Caribbean are eligible for coverage regardless of citizenship. If you are 74 years of age or under, you can apply for coverage. Once your application is approved, there is no age limit for renewing your policy. A child born under a covered maternity can automatically be added to the parents’ policy, regardless of health conditions. This includes congenital and hereditary disorders. Coverage for dependent children is available until age 19 or 24* under the parents’ policy, while paying dependent rates. This means you can continue paying our dependent rates for all your children from birth until the age of 19 or 24*. Once the dependent child reaches age 19 or 24*, he or she can continue to be insured under his or her own policy with no interruption of coverage. Dependent coverage is available up to age 24, if single and a full- time student.
How does the coverage work? As a Bupa insured, you and each covered member of your family will receive a Bupa identification card. This card is your access to the best medical coverage anywhere in the world. In case of an emergency or to submit a claim, your benefits begin with a simple phone call to one of our doctors at USA Medical Services, who are ready to assist you 24 hours a day, 365 days a year.
When does the coverage start? You and your family will be covered for accidents and infectious illnesses for the first 60 days following the effective date of your policy. However, if you have previous health insurance coverage, Bupa will waive the 60-day waiting period. Simply attach to your application a copy of your previous insurance policy and proof of payment for the last 12 months. Maternity coverage begins 10 months after the effective date of your policy.
What are the benefits of direct payment? Our main goal is to always pay direct hospitals and doctors anywhere in the world. By notifying us in advance, you will benefit from the following:
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