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