World Wide Coverage with a lifetime benefit of $2,000,000 with 3 different deductible options: $1,000, $2,500 and $5,000. The deductibles are done by policy year, not by event.

90% coverage in your country of residence (Panama) without deductible

Maternity
Coverage by event of $2,000 in Panama and $5,000 elsewhere.

For maternity to be covered there must be a 10 month waiting period. If pregnancy occurs 2 months after buying the insurance and as long as the labor happens 10 months after you are insured then you are covered.

Air Ambulance – Up to $25,000 per case

Organ Transplant – Up to $250,000

Congenital Problems – Only if maternity was covered by the policy – Up to $25,000

Dialysis – $25,000 per year, $75,000 lifetime benefit

Physical Therapy – Up to $1,000 each year

Ambulatory Expenses – Such as laboratory exams, consultations, X rays, or medicine are covered world wide except for Panama

Hospital Room – Semi-private outside of Panama, private in Panama

Traveler’s Assistance/Insurance – included

4 Service Alternatives

Participating Hospitals – Over 4,000 Hospitals – Deductible must be covered then WWM covers 80% of expenses up to $25,000 after which WWM covers 100% of expenses

Non Participating Hospitals – Deductible must be covered then WWM covers 80% of expenses up to $25,000 after which WWM covers 100% of expenses

Select Hospitals – In our 6 Select Hospitals your deductible will be reduced in half and WWM will cover 100% of expenses

Hospitals in your Country of Residence (Panama) – No Deductible and WWM covers 90% of expenses