How can I change the beneficiaries of my life policy?
|
To change your beneficiaries can simply send the Company a written notice requesting such a change and it will be effective once the Company will issue and send the appropriate endorsement.
|
|
How and Where can I change my form of payment?
|
Your payment may be changed only in its renewal date and must request the change in writing. If the policy is semester and want to change the form of an annual payment, the change should be made in the renovation of the first half of the policy. We accept payment via credit card, check or bank transfer.
|
|
How does the co-insurance?
|
The insurer is a percentage of the amount remaining for the payment of a bill, which must be covered by the client after applying the deductible. The amount of this percentage has a limit and once this limit is filled, the Company assumes 100%. In each of our plans and limit the percentage of the amount payable by the customer varies.
|
|
How does the pharmacy benefit?
|
The customer must submit your pharmacy benefit ID card along with a prescription from a physician licensed in the United States, affiliated establishments, and was granted a discount of up to 46% on generic medication and up to 15% on medicines brand.
|
|
Are services 24 hours?
|
For assistance within the United States, call 1-877-688-8821 and (305) 821-8430 outside the United States (collect calls accepted), which may assist you with matters relating to precertification, assistance in locating suppliers to follow procedures, complaints, etc..
|
|
The customer has to pay the entire hospital and after you paid?
|
We make direct payments to hospitals, the customer is responsible for your deductible and co-assured. It is always necessary to achieve a pre-certification for admission to the hospital at least 24 hours in advance.
|
|
Until what age can be eligible for coverage?
|
The customer can purchase our plans if you are under 70 years. Required to complete a registration form and a medical evaluation be conducted for applicants older than 60 years.
|
|
What additional benefits to cover basic living must be purchased with this product
|
The additional benefits offered by our product are: Benefit Coverage Graves Disease, in the event of Accidental Death and Dismemberment, Liability Benefit Premium Payment Disability Benefit Coverage and Total and Permanent Disability.
|
|
What should be done to inform the Company in the event of an accident?
|
Must complete a claim form and accompanying this form must be submitted all the requirements specified in the contract clauses of the policy and endorsements for the inclusion of benefits in accordance with the benefit being claimed.
|
|
Until what age can I keep my children on the policy?
|
Covered dependent children, unmarried, and who are financially dependent on the primary insurance up to age 25 years.
|
|
How can I include my children newborn on the policy?
|
Within the first ten days of their birth should send completed registration application along with the premium. This application will be reviewed by our Subscription Department.
|
|
Until what age I have coverage?
|
Our plans offer coverage for life.
|
|
How does the benefit of air ambulance?
|
Transportation must be done to the nearest medical facility with the equipment needed to treat the ailment that affects the insured. The benefit is eligible if the attending physician certifies that the insured person requires emergency medical evacuation to receive the treatment required and that such treatment is not available in the area where the insured. Also, the condition of the insured will require a period of hospitalization and travel on a commercial aircraft is not possible or disability requires special services that are on board an air ambulance.
|
|
Currently I have a medical condition, can I buy a policy with you?
|
You must send the application form, including the medical reports relating to their condition. Our Department Subscription evaluate your case.
|
|
What if I already have coverage with another insurance company?
|
If you have similar coverage with another insurance company may ask you to sign when your policy with us that it eliminates the waiting period of four months. This will need to submit a document certifying that their previous coverage is still in force.
|
|
Live in the United States temporarily for studies, would you still covered?
|
You keep their coverage while residing in the United States as a student. Also, your child under 25 years residing temporarily in the United States for study will also be covered.
|
|
How can I get a list of hospitals participating in the network?
Click for a list of your choice.
|
|