I’m 65. Am I still eligible?

The client can subscribe to our plans if younger than 70 years of age. The completion of a Subscription Form is required. There is no medical examination.

Up to what age am I covered? Our plans offer lifetime coverage. 

How can I add my newborn to the plan? You have ten days from the day your child is born to submit a completed Subscription Form along with its corresponding payment. This form will be evaluated by our Underwriting Department. 

Can I cover my children? You can cover your dependent children up to age 25 as long as they are single and live with you.  

What is my coverage in my country of residence? In your country of residence, we cover hospitalization and ambulatory surgeries. Please contact us for more information.

When and how can I change the coverage under my plan? Changes to your plan may be requested at renewal time. You will have to send a completed Subscription Form, along with the corresponding payment, and your request will be evaluated by our Underwriting Department. 

What happens if I have a plan through another company which provides similar coverage and want to switch to yours? When will I be covered? If you provide us with certification that your coverage with the other carrier is in effect at the time you subscribe with us, we will waive the customary four-month waiting period.

I will be living in the United States temporarily while going to school. Will I still be covered? Yes. You are covered as long as you are a student and reside in the United States.

How can I obtain a list of the hospitals in the network?

Suppliers:
Hospitals in the United States
Hospitals Outside the United States
Hospitals in Latin America

I have a pre-existing medical condition. Can I request coverage through your company? You will need to complete a Subscription Form, attaching medical reports related to the specific condition. Our underwriters will analyze your case.

How does the air ambulance benefit work? The insured will be transported to the nearest medical institution with the necessary equipment to treat the patient. The insured is eligible for the air ambulance benefit if the treating physician certifies that he requires emergency medical evacuation to receive the required treatment, and that such treatment is not available in the area where the insured is. Also, that the condition of the insured will require a period of hospitalization, and that transportation via a commercial flight is not possible or that the insured’s disability requires special services found only onboard an air ambulance.

Do you have 24 hour service? For assistance within the United States, call 1-877-688-8821. Outside the United States, call (305) 821-8430 (collect calls accepted) Representatives are standing-by to guide you through the claim process, pre-certification, assistance to locate providers, other processes to follow, etc.