RedAccess

C A R E

HEALTH INSURANCE
APRIL 2024
 About Us
Redbridge is recognized for offering the widest variety of insurance and reinsurance for health, life, property and casualty and
assistance programs worldwide. Redbridge is rated B++ (Good) by AM Best. It offers comprehensive coverage for individuals,
groups, and expatriates.

Redbridge developed a unique portfolio, the best in the insurance industry, to meet the needs of it’s insured’s, guaranteeing the
peace of mind needed to face any unforeseen event.

“Redbridge assures your peace of mind”

Plan Description
RedAccess Care plan provides extensive international coverage of intra-hospital and ambulatory medical services, with access to
the best specialists, medical centers and hospitals anywhere in the world, including the United States of America. It also offers,
excellent benefits for surgeries, organ transplants, maternity and newborn care and complications, and many more.

Exclusive Services
Customer Service 24/7 by multilingual experts Emergency Transportation
Medical and Administrative Team with extensive experience Telemedicine and House Calls
Pharmacy Services and Second Medical Opinion Travel Assistance and Funeral Coordination Services

Elegibility
Up to age 74, lifetime renewal guaranteed
Unmarried children up to attained age 18 years
Unmarried children up to attained age 24 years, full-time student
Residents outside of U.S.A. and its territories

Deductible Options
INSIDE
LATIN AMERICA $1,000 $2,500 $5,000 $10,000 $20,000 $25,000
OUTSIDE
LATIN AMERICA $1,000 $2,500 $5,000 $10,000 $20,000 $25,000

HEALTH INSURANCE APRIL 2024 2

 All benefits and coverage limits are subject to payment of the Deductible and Coinsurance (if applicable), and are paid according
BE N E F IC I O S
to the usual, reasonable and customary costs (UCR). All limits are expressed in US dollars.

S C H E D U LE O F B E NE FITS COV E RAG E

GENERAL INFORMATION

Maximum benefit per insured, per policy year $2,000,000

Coverage Worldwide
Renewal Lifetime Guaranteed

ORGANS AND TISSUES TRANSPLANT

Lifetime limit, includes living donor $500,000

DEDUCTIBLE PER POLICY YEAR

One (1) deductible per insured, two (2) deductibles per family policy
Inpatient Surgery in the country of residence, deductible is waived up to a maximum of $1,000 100%
Hospitalization for Serious Accident, deductible is waived up to the $5,000 option 100%
Policies with no claims during the last 3 years, deductible is waived:
Options of $5,000 or less 100%
Options of more than $5,000 50%

INPATIENT MEDICAL SERVICES

Private Hospital Room 100%

Hospital Accommodation for Companion of a Hospitalized Minor, maximum 10 nights $200 per night
Intensive Care Unit 100%
Physicians Fees, Surgeon, Assistant Surgeon, Anesthesiologist 100%
Intra-hospital Medications 100%
Inpatient Rehabilitation, maximum 30 days 100%
Medical Diagnostic Services 100%
Implants or Surgical Prosthesis 100%
Other Services, Procedures and Hospital Supplies 100%
Emergency Hospitalization - Out of Provider Network $20,000

OUTPATIENT MEDICAL SERVICES

Emergency Room 100%

Physicians and Specialists Visits: 100%
House Calls 100%
Telemedicine 100%
Diagnostic Medical Services 100%
Outpatient Prescribed Medications $10,000
Ambulatory Physical Therapy, Occupational therapy and/or Rehabilitation, maximum 45 days $5,000
Durable Medical Equipment 100%
Dialysis 100%

OUTPATIENT MEDICAL SERVICES

Home Healthcare, maximum 30 days 100%

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 BE N ESFCIC
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OTHER BENEFITS

Cancer Treatments 100%

Genetic Test for the 1st Cancer Diagnosis in the Company 100%
Dental Benefit as direct consequence of a covered accident 100%
Human Papilloma Virus (HPV) 100%
Alzheimer’s Disease 100%
Palliative Care/ Hospice, maximum 30 days, lifetime limit 100%
Reconstructive Surgery 100%
Injuries caused by Aviation Accident, in a Private or Commercial aircraft 100%
Injuries caused by the practice of Recreational Sports, non Professional 100%

MATERNITY CARE. Only available on policies with a deductible of less than $5,000. No deductible applies.

Natural or cesarean delivery, prenatal and postnatal care, 2 pediatric visits, and Umbilical Cord Stem Cells $7,000

MATERNITY AND NEWBORN COMPLICATIONS. Only available on policies with a deductible of less than $5,000. No deductible applies.

Lifetime limit per policy $100,000

Newborn under a Covered Maternity Hospital

Limited to, for the first 60 days after birth: $20,000

After 60 days of age: 100%
In multiple births under a covered maternity, the benefit will be proportionally distributed
among all newborns
The newborn of a covered maternity will be covered automatically, provided that is enrolled
in the policy within the first 60 days of birth.

CONGENITAL / HEREDITARY CONDITIONS

Conditions that manifest before the age of 18 years, lifetime limit $300,000
Conditions that manifest at age 18 years or later, lifetime limit $1,000,000

EMERGENCY TRANSPORTATION. No deductible applies

Ground Ambulance $1,000

Air Ambulance $50,000
Repatriation or Cremation of Mortal Remains $5,000

PROVIDERS NETWORK

Inside Network in U.S.A. Preferred Network

Out-of-Network in U.S.A. 80%
Outside U.S.A. Free Choice

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PREVENTIVE MEDICAL CHECK UP. No deductible applies

Colon Cancer Screening (50 years or more) $1,200 per insured every ten years
Prostate Cancer Screening (50 years or more) $300 per insured per policy year
Pap Test (from 21 to 65 years) $150 per insured every three years
Mammography (40 years or more) $400 per insured per policy year

NOTIFICATION AND PRE-CERTIFICATION REQUIREMENT

The following services requires Notification and Pre-certification within 72 hours of the event.
Failure to comply with this requirement, holds the insured responsible for payment of 30% of all covered charges.

Hospitalization Palliative Care / Hospice Air Ambulance

Surgeries with General Anesthesia Ambulatory Therapies Repatriation of Mortal Remains
Cardiac Procedures Organ and Tissue Transplants Cremation of Mortal Remains
Cancer Treatments Home Health Care Durable Medical Equipment

WAITING PERIODS. Conditions and Services subject to Waiting Periods

Maternity Care 10 months

Preventive Medical Check Up 10 months

ADDITIONAL BENEFITS. No deductible applies

TRAVEL ASSISTANCE
FUNERAL ASSISTANCE
Elegible up to age 74
Funeral Services coordination for the
Assistance Services for emergencies occurring
Principal Insured and dependent Spouse
for the 1st time during a trip outside the
of 18 to 74 years of age
country of residence
Waiting Period 180 days
Benefit amount decreases to 50% at 75 years of
Benefits, Terms and Conditions are
age, 25% at 85 years of age and ends at 99
specified in the Funeral Assistance Rider
years of age.
The benefits, terms and conditions are specified Notification and Pre-certification within
in the Travel Assistance Rider. 48 hours of the event.
Notification and Pre-certification within 72 hours
of the event.

$10,000 $2,500
*Latin America. Comprises Mexico, Central America, South America and the Caribbean except Puerto Rico, US Virgin Islands and Cuba.

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 ASSURES YOUR PEACE OF MIND

Redbridge Insurance Company Ltd.

domiciled company in Barbados

Administration: Redbridge Group, LLC

1300 Ponce de Leon Blvd. Suite 103
Coral Gables, FL 33134
Phone: 305.232.9040

marketing@redbridge.cc www.redbridgeinsurance.com