Best Doctors Insurance
Best Doctors Insurance is the leading international health insurance company in Latin America, the Caribbean and Canada. At Best Doctors Insurance we have a clear vision: to help our members connect with the very best healthcare, with access to the best-quality hospitals and specialized centers around the world.
Best Doctors Insurance offers top-quality medical insurance plans; each carefully designed to deliver a full range of exclusive benefits and services for our members. The result? Our members can be certain they have the best health insurance plan that will help them, not only by paying the medical expenses but also guiding them through the complexities of the health care system when they need medical care.
They created and developed exclusive medical plans, easy to understand and use, with an extraordinary coverage, so you can receive the most suitable treatment and the best medical attention, anytime, anywhere.
The Boston Business Journal recognized Best Doctors with the Pacesetters Award 2012. This same year it was also recognized as one of the best places to work in.
Unique Services
- Exclusive Medical Elite member phone number for priority service
- Priority processing of all insurance claims
- InterConsultation service to confirm diagnosis and treatment
- A dedicated personal advocate to support you during a medical situation
- Access to medical information and resources through the exclusive Elite Navigator program
- Concierge service to coordinate medical treatment internationally
| Medical Benefits | What's Covered (once annual deductable has been met) |
| Unless otherwise shown, benefits are per person, per policy year. All benefits are in US Dollars (USD). | |
| Maximum benefit per policy year | $5,000,000 per person |
| Eligibility | Up to age 74 |
| Renewal | Lifetime guarantee |
| Coverage | Worldwide |
| Temporary emergency cover | $35,000 for accidents, to cover you from the moment your application is submitted and paid, until the effective day or 60 days after, whichever date comes first |
| Private and semi-private room | 100% |
| Intensive care unit | 100% |
| Surgery and outpatient surgery | 100% |
| Emergency room | 100% |
| Diagnostic services | 100% |
| Cancer treatment (chemotherapy/radiation therapy) | 100% |
| Dialysis | 100% |
| Accommodation charges for companion of a hospitalized child | $300 per day, up to 10 nights |
| Physicians and specialists visits | 100% |
| Surgeon and anesthetists fees | 100% |
| Emergency dental coverage | 100% |
| Home health care | $5,000 up to 30 days (must be pre-approved) |
| Maternity (option I, II and III only) |
$7,000 per event, no deductible applies. Includes normal maternity, cesarean delivery and all pre-and post natal treatment. A 10-month waiting period applies. |
| Complications of maternity and newborn (options I, II and III only) | $1,000,000 per lifetime, per policy. A 10-month waiting period applies. |
| Inclusion of newborn | Automatically included without underwriting, if born after the 10-month waiting period and if not born of a pregnancy that is a result of any type of fertility treatment. |
| Child well care | Before 12 months of age: 5 visits $100 (at 12 months of age and before age 18) No deductible applies |
| Congenital and hereditary disorders | $1,000,000 per lifetime when symptoms are manifested before age 18. 100% when symptoms are manifested at age 18 or after. |
| Transplants | $1,400,000 per lifetime and $30,000 for living donor |
| Physical therapy/rehabilitation | 100% |
| Durable medical equipment | 100% |
| Prescribed drugs | 100% |
| Treatment of allergies | 100% |
| AIDS | $250,000 lifetime maximum (separate deductible applies) |
| Hospice/terminal care | $15,000 lifetime maximum (must be pre-approved) |
| Air ambulance | $125,000 anywhere in the world (must be pre-approved) |
| Ground ambulance | Unlimited |
| Routine health checkup | $200 (age 18 and over) No deductible applies |
| Outpatient therapist (psychiatrist, speech therapy and sleep disorders) | $100 per visit, maximum of 20 visits/sessions total |
| Repatriation | $50,000 in the event of death resulting from a covered hospitalization, included within the air ambulance benefit |
| Additional benefit | In the event of death of the primary member, his/her dependents will have free coverage for a period of two years after the last paid period |
Unique Services
- InterConsultation: Confirmation of diagnosis and recommendation of the best treatment and specialists. Immediate access to this benefit available regardless of any exclusion applicable under this Policy
- Best Doctors Concierge: Coordination of medical appointments, hospital admission, travel arrangements, accommodation and transportation when services are rendered outside of the Insured’s Country of Residence. The Insured is responsible for any travel and accommodation costs not covered by the Policy
| Medical Benefits | What's Covered (once annual deductable has been met) |
| Unless otherwise shown, benefits are per person, per policy year. All benefits are in US Dollars (USD). | |
| Maximum Benefit | $3,000,000 per Insured per Policy Year |
| Eligibility | Up to age 74 |
| Renewal | Lifetime guarantee |
| Coverage | Worldwide. Free choice of Hospitals and Doctors anywhere in the world |
| Private and Semi-Private Hospital Room | 100% |
| Intensive Care Unit | 100% |
| Temporary Emergency Cover | $25,000 for accidents occurred from the moment the application is approved and the payment is received, until the cover start date or 60 days later, whichever date comes first |
| Surgery (Including Outpatient Surgery) | 100% |
| Emergency Room | 100% |
| Hospital Accommodation for a Companion of a Hospitalized Child | $300 per night, up to 10 nights |
| Surgeon and Anesthesist Fees | 100% |
| Diagnostic Services | 100% |
| Cancer Treatment (chemotherapy/radiation therapy) | 100% |
| Dialysis | 100% |
| Maternity (available for options I, II and III) |
$5,000 per event, no Deductible applies A 10-month Waiting Period applies Rider for Complications of Maternity and Complications of Birth up to $500,000 available for all deductible options |
| Inclusion of Newborn | Automatically included without underwriting if born from a covered maternity |
| Congenital and Hereditary Disorders | $350,000 per Insured per lifetime when the condition is diagnosed before age 18 100% when the condition is diagnosed at age 18 or after |
| Organ Transplants | $1,000,000 per organ/tissue per Insured per lifetime and $20,000 for Living Donor |
| Outpatient Physical Therapy, Rehabilitation and Home Health Care (private nurse) | 100% |
| Emergency Dental Coverage | 100% |
| Physicians and Specialists Visits | 100% |
| Durable Medical Equipment | 100% |
| Prescribed Medications | 100% |
| Treatment of Allergies | 100% |
| HIV/AIDS | $250,000 per Insured per lifetime 24 month Waiting Period |
| Air Ambulance | $50,000 per Insured per Policy Year to the closest place of qualified treatment |
| Ground Ambulance | 100% |
| Repatriation of Mortal Remains | $10,000 per Insured per Policy Year in the event of death resulting from a covered Accident or condition |
| Additional Benefit | In the event of death of the Primary Insured his/her Dependents will have free coverage for a period of two years, after the last paid period |
Unique Services
- InterConsultation: Confirmation of diagnosis and recommendation of the best treatment and specialists. Access to this benefit available regardless of deductible level or any exclusion you may have
- Personalized Services: Coordination of medical appointments, hospital admission, travel arrangements and accommodations when services are rendered outside of the Insured’s country of residence. The Insured is responsible for all travel and accommodation costs
| Medical Benefits | What's Covered (once annual deductable has been met) |
| Unless otherwise shown, benefits are per person, per policy year. All benefits are in US Dollars (USD). | |
| Maximum benefit per policy year | $1,000,000 per person $500,000 per person after age 70 |
| Eligibility | Up to age 70 |
| Renewal | Lifetime guarantee |
| Coverage | Outside of the USA - Free choice of hospitals and physicians Inside the USA - Through the Best Doctors Network (100%) |
| Standard room | 100% with no limit as to the number of days within the Best Doctors Network |
| Intensive care unit | 100% with no limit as to the number of days within the Best Doctors Network |
| Temporary emergency cover | $25,000 for accidents occurred from the moment the application is approved andthe payment is received, until the cover start date or 60 days later, whichever date comes first |
| Surgery and outpatient surgery | 100% |
| Emergency room | 100% |
| Diagnostic services | 100% |
| Cancer treatment (chemotherapy/radiation therapy) | 100% |
| Dialysis | 100% |
| Maternity | $3,000 per event, no deductible applies (option I and II only) |
| Inclusion of newborn | Automatically included without underwriting if born from a covered maternity |
| Congenital conditions | $250,000 per lifetime when symptoms are manifested before age 18 $1,000,000 per lifetime when symptoms are manifested after age 18 |
| Physical therapy/rehabilitation | $5,000 |
| Durable medical equipment | $5,000 |
| Prescribed drugs | $5,000 |
| Air ambulance | $50,000 |
| Ground ambulance | Unlimited |
| Repatriation | $5,000 in the event of death resulting from a covered hospitalization within the air ambulance benefit |
Unique Services
- InterConsultation: Confirmation of diagnosis and recommendation of the best treatment and specialists. Immediate access to this benefit available regardless of any exclusion applicable under this Policy
- Best Doctors Concierge: Coordination of medical appointments, Hospital admission, travel arrangements, accommodation and transportation when services are rendered outside of the Insured’s Country of Residence. The Insured is responsible for any travel and accommodation costs not covered by the Policy
| Medical Benefits | What's Covered (once annual deductable has been met) | |
| Unless otherwise shown, benefits are per person, per policy year. All benefits are in US Dollars (USD). | ||
| Maximum Benefit | $1,000,000 per Insured per Policy Year | |
| Eligibility | Up to age 70 | |
| Renewal | Lifetime guarantee | |
| Coverage | Worldwide. Free choice of Hospitals and Doctors anywhere in the world | |
| Private and Semi-Private Hospital Room | 100% | |
| Intensive Care Unit | 100% | |
| Temporary Emergency Cover | $25,000 for accidents occurred from the moment the application is approved and the payment is received, until the cover start date or 60 days later, whichever date comes first | |
| Myocardial Revascularization Surgery and Angioplasty | $150,000 per Insured per Policy Year | |
| Severe Trauma (multiple trauma) (including rehabilitation) | $150,000 per Insured per Policy Year | |
| Neurological Disease (including cerebral vascular accidents) | $150,000 per Insured per Policy Year | |
| Cancer Treatments (chemotherapy, radiation therapy, reconstructive surgery) | $200,000 per Insured per Policy Year | |
| Chronic Renal Failure (including dialysis) | $100,000 per Insured per Policy Year | |
| Severe Burns (including reconstructive surgery) |
$300,000 per Insured per Policy Year | |
| Severe Infectious Disorder | $150,000 per Insured per Policy Year | |
| Organ Transplants | Heart | $300,000 lifetime |
| Heart/Lung | $300,000 lifetime | |
| Lung | $250,000 lifetime | |
| Pancreas | $250,000 lifetime | |
| Pancreas/Kidney | $300,000 lifetime | |
| Kidney | $200,000 lifetime | |
| Liver | $200,000 lifetime | |
| Bone marrow | $250,000 lifetime | |
| Air Ambulance | $25,000 per Insured per Policy Year to the closest place of qualified treatment | |
| Ground Ambulance | 100% | |
| Travel Benefits | Round trip ticket in commercial airline for the Insured and one family member up to a maximum of $2,000 per Policy Year | |
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