~ WWM is an insurance and reinsurance company with headquarters in Panama City, Panama.

~The company offers local and international hospitalization insurance for residents of Latin America and life insurance with competitive individual rates.

~ WWM has a network of over 4,000 affiliated hospitals worldwide, 6 select hospitals, and/or coverage in all the hospitals in the world depending on the plan you choose.

“Our high number of international sales and fast expansion in Central America allows us to disperse our risk better allowing us to give you a better rate and insure individuals with pre-existing conditions, which no other insurance company in Panama does.”

FORLACOL Insurance Brokers represents WWM in Panama.

Our Reinsurance Partners

Transatlantic Reinsurance Company- Subsidiary of AIG, Rated A+ by A.M. Best and AA by Standard & Poor’s

Paris Re Rated A by A.M. Best and AA- by Standard & Poor’s

Munchener Re was founded in 1880, Rated A+ by A.M. Best and A+ by Standard & Poor´s.

Swiss Re was founded in 1863, Rated A+ by A.M. Best and AA by Standard & Poor´s

Quality Health Management

Our claims and service administrator in the United States: Quality Health Management, L.C.C. offers you technological solutions combined with a high quality services which provides our clients with a broad variety of services through cybernetic communication.

~ With more than 13 years of experience in health care services, QMS guarantees its patients the support of renowned professionals.

www.qhmanagement.com

Health Pharmacy Medications

Medicine discounts through the Health Pharmacy network of affiliated pharmacies, such as:

CVS Pharmacy

Winn Dixie Stores

Walgreens

BJ’s Wholesale Club

Publix Supermarkets

Target

Costco

Free Travelers Assistance/Insurance for the Whole Family of WWM Insurance Clients

Also:

Transportation of travel companion due to hospitalization

Return flight because of illness or accident

Coordination of money wiring and change of flights

Assistance in locating your luggage

Delivery of urgent messages

It is a $2 million Major Medical policy to cover Hospital Expenses, with a $500 annual deductible. After reaching the deductible, the policy pays 80% of the first $15,000 of expenses, and 100% thereafter up to $2 million per insured. The policy covers room, doctors, medicines, surgical procedures, labs, etc., all the expenses incurred during a Hospital stay. The policy does not cover out of hospital expenses. The policy covers up to $25,000 for air ambulance costs.

The network is composed of ~ Select Hospitals

Inside our network we have 6 participating Hospitals which we call select.

Our centers are among the best worldwide. They include:

· John Hopkins– Baltimore, Maryland

· Cleveland Clinic – Cleveland, Ohio

· Punta Pacifica – PanamaM

Hospital Chirqui – David, Chiriqui – Panama

Barnes Jewish Hospital -St. Louis, Missouri

· Baptist Health – Miami, Florida

· MD-Anderson– Houston, Texas

WWM SELECT PLAN

~ The best plan World Wide Medical Assurance offers.

~ World Wide Coverage up to $2,000,000 per year 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 ~ cover by event of $3,000 in Panama and $7,500 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.

Free coverage for up to 2 children until the age of 10

Air Ambulance ~ Up to $25,000 per case

Organ Transplant ~ Up to $350,000

Congenital Problems ~ covered if maternity was covered by the policy ~ Up to $250,000

Dialysis ~ Up to $100,000 each year

Physical Therapy ~ Up to $50,000 each year

Ambulatory Expenses ~ Such as laboratory exams, consultations, X rays, or medicine are covered worldwide 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 90% of expenses up to $25,000 after which WWM covers 100% of expenses

Non Participating Hospitals ~ Deductible must be covered then WWM covers 90% of expenses up to $25,000 after which WWM covers 100% of expenses

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

Hospitals in your Country of Residence (Panama) ~ have NO Deductible and WWM covers 90% of expenses

WWM PERFERRED PREMIUM PLAN

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.

Maternity ~ Cover 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 worldwide 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 ~ 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 your policy covers 90% of expenses

WWM PREFERRED PLUS PLAN

~Includes over 4,000 participant hospitals, the 6 select hospitals, and the hospitals in your country of residency (Panama).

~World Wide Coverage with a lifetime benefit of $2,000,000 (at age 80 this is reduced to $250,000) with 3 different deductible options: $1,000, $2,500 and $5,000. The deductibles are done by policy year, not by event.

~This plan does not include maternity benefits and has a $100 deductible for all hospitals in Panama.

Air Ambulance ~ Up to $25,000 per case in participating hospitals

Organ Transplant ~ Up to $250,000

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 worldwide 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 ~ Does Not Apply

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) ~ $100 Deductible and WWM covers 80% of expenses