Maestro Vital vs Maestro Total vs Maestro Total Plus

Medical Plans from International Medical Group for Latin Americans and the Caribbean

Compare different IMG's Maestro Global Medical Longterm Insurance plans for countries in Latin America and the Caribbean.
 

Compare Maestro Global Plans

Age
Start Date (Coverage Period 1 Year)
Deductible
Payment Frequency
Country of Residence
Maestro Health Plans Vital Plan
MAESTRO VITAL

Total Plan Total Plan
MAESTRO TOTAL
Total Plus Plan Total Plan Total Plus Plan
MAESTRO TOTAL PLUS

Premium Plan Maximum - $4,000,000 Plan Maximum - $4,000,000 Plan Maximum - $8,000,000
Highlight "Most affordable, basic high-limit inpatient coverage" "Inpatient and Outpatient coverage with concierge service. Solid protection, competitive in cost and with customised service" "Highest level of benefits for the most discerning clients"
Maximum Limit $4,000,000 per period of coverage $4,000,000 per period of coverage $8,000,000 per period of coverage
Area of Coverage Worldwide Worldwide Worldwide
Deductible $500/$1,000, $1,000/$2,000, $1,500/$3,000, $5,000, $10,000, $20,000 $500/$1,000, $1,000/$2,000, $1,500/$3,000, $5,000, $10,000 or $20,000 $500/$1,000, $1,000/$2,000, $1,500/$3,000,$5,000, $10,000 or $20,000
Coinsurance For treatment outside US – 0%
For treatment within the US within PPO Network – 0%
For treatment within US out of the PPO Network – 20% of eligible medical expenses up to $5,000, then 0%
For treatment outside US – 0%
For treatment within the US within PPO Network – 0%
For treatment within US out of the PPO Network – 20% of eligible medical expenses up to $5,000, then 0%
For treatment outside US – 0%
For treatment within the US within PPO Network – 0%
For treatment within US out of the PPO Network – 20% of eligible medical expenses up to $5,000, then 0%
Adventure Sports & non-Collision Sports 100%. Additional $750 deductible for orthopedic injuries 100%. Additional $750 deductible for orthopedic injuries 100%. Additional $250 deductible for orthopedic injuries
Medications under Prescription 100%. Maximum 30 day supply per prescription 100% 100%
Transplant Costs $1,000,000 lifetime maximum. $35,000 lifetime maximum for donor preparation for eligible Covered Transplants $1,000,000 lifetime maximum. $40,000 lifetime maximum for donor preparation for eligible covered transplants $2,000,000 lifetime maximum. $50,000 lifetime maximum for donor preparation for eligible covered transplants
Maternity Not Available $50,000 lifetime maximum. $5,000 per normal pregnancy, $7,500 for C-section
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$10,000 per pregnancy. Deductible exempt for $ 1,000, $ 2,000 and $ 3,000 deductible options. The options of $ 5,000, $ 10,000 and $ 20,000 are subject to deductible
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Dental Not Available Accident: 100% Accident: 100%; Dental Care Expenses: $750 after 6 months of continuous coverage. Dental deductible: $50
Emergency Medical Evacuation $150,000 per Period of Coverage 100% 100%
Diagnostic Services 100% 100% 100%
Political Evacuation $ 10,000 maximum lifetime $ 10,000 maximum lifetime $ 10,000 maximum lifetime
Local Ambulance 100% 100% 100%
Terrorism $ 50,000 maximum for life. Not subject to deductible and coinsurance $ 50,000 maximum for life. Not subject to deductible and coinsurance $ 50,000 maximum for life. Not subject to deductible and coinsurance
Emergency Room 100% if you are admitted as an Inpatient 100%. Additional $ 250 deductible if inside US And not hospitalized as a result of an illness 100%. Additional $ 250 deductible if inside US And not hospitalized as a result of illness.
Preventive Medical Checkup Not available $ 500 per Coverage Period. $ 250 allowed during the first 6 months of coverage. Not subject to deductible. $ 500 per Coverage Period. $ 250 allowed during the first 6 months of coverage. Not subject to deductible.
Congenital and / or Hereditary Diseases Not available $ 1,000,000 lifetime limit when diagnosed before 18 years of age. 100% when diagnosed at 18 years of age or older. $ 1,000,000 lifetime limit when diagnosed before 18 years of age. 100% when diagnosed at 18 years of age or older.
Mental or Nervous Treatment Not available Available after 12 months of continuous coverage Inpatient: $ 10,000 maximum per period of coverage Outpatient: $ 50 maximum per visit, 10 visits maximum per period of coverage $ 50,000 Lifetime Maximum Available after 12 months of continuous coverage Inpatient: $ 25,000 maximum per period of coverage. Ambulatory Patient: 30 sessions maximum per coverage period. $ 100,000 maximum for life.
Chemotherapy and Radiation Therapy 100% 100% 100%
Extended Coverage For Dependents by Death of the Principal Insured Premium waived for existing dependent coverage for 2 years Premium waived for existing dependent coverage for 2 years Premium waived for existing dependent coverage for 2 years
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