Insurance

POST-SURGERY MEDICAL INSURANCE POLICY

 

Additional medical expenses coverage (Doctors, hospital, transfers, and lodging) originated from a Medical complication.

  • No deductible amount

  • No coinsurance

  • Direct payment to Doctors and hospitals

 

  • Standard insurance policy for Medical tourism in other countries

  • Patients do not travel without this coverage

  • Facilitators always include them (policies)

 

COMPLICATIONS

 

DEFINITION

It is the result of the repetition of diverse elements that require additional treatment – not as an adverse consequence of a wrong

diagnose – resulting from a programmed treatment whose first symptom starts during the coverage of the policy.

 

TYPES OF COMPLICATIONS

  • Related to cardiopulmonary diseases: myocardial infarction, arrhythmia, hypoxia, lung disease, embolism

  • Related to a surgery. Bleeding, bruising, infections

  • Related to anesthetics: severe hypotension, severe hypertension

  • Post-surgery: Sepsis, pneumonia, urinary track infection

The most common are Bleeding and Infections

Included soon: other complications with bariatric surgery, gastric loss, post-surgery rupture and obstruction.

 

ELIGIBILITY

People between ages of 18 to 65 years old that are able to make a 50 km trip from their home in or outside Mexico to receive medical/dental treatment through doctors or hospitals duly authorized in Mexico.

Including national patients that travel more than 50 kms from their residential area.

… also called

  Medical Tourism Insurance Policy

 

COVERAGE

 

 

 

EXCLUSIONS

EXCLUSIONS IN THE COMPLICATIONS COVERED IN THE MEDICAL TREATMENT.

There is no coverage for a total or partial or when contributing or consequently proved or natural of any of the following risks included:

  • Medical expenses resulting from a dissatisfied insuree with the medical/dental treatment selected.

  • Expenses exceeding the usual and customary cost for the same medical procedure.

  • When the insuree makes a trip not recommended by his surgeon (who is duly certified) before or after the selected medical/dental treatment had been or will be practiced.

  • Expenses for a replacement or rectification of a prosthesis, corrective devises, medical appliances and the surgical implant’s standard, unless required for the treatment of a covered complication.

 

EXLUSIONS OF THE COMPLICATIONS COVERED DURING MEDIAL TRATMENT

  • Post-surgery stress expenses, insomnia and sleeping disorders and other types of psychological stress, including anger, sources of pleasure and pain and distress.

  • Professional, occupational, speech, leisure or music therapy expenses.

  • Expenses resulting from the insured patient that does not follow the prescription of the duly certified surgeon.

  • Expenses resulting from the mobility of the patient without the consent of the duly certified surgeon that restricted the transfer: 1) related to the scheduled treatment or 2) related to the complications covered that result from the medical/ dental scheduled treatment

  • Expenses incurred outside Latin America

  • When the patient’s health is critical or is likely to represent a high risk complication that would have been present before the surgery.

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