Place your confidence in Best Doctors Insurance when you make it your choice.


Rates depend on the region where you live and usually get your medical treatments.
Region 1: Sao Paulo, Rio de Janeiro, and Pernambuco
Region 2: Rest of Brazil

Maximum Benefit• $3,000.000 per Insured per Policy Year
Renewal• Lifetime guarantee, as long as Policy conditions are met
Eligibility to Apply• From 18 to 74 years old
Coverage• Worldwide
• Expenses in Brazil outside Region 2 are subject to 20%
coinsurance up to $20.000
Private and Semi-Private Room• 100%
Intensive Care Unit• 100%
Physical Therapy, Rehabilitation during Hospitalization• 100%
Surgery (Including Outpatient surgery inside the Hospital or certified Surgical Facility)• 100%
Reconstructive surgery in case of illness or Accident• 100%
Surgical Implants or prosthesis (Excluding dental)• 100%
Prescribed Medications during Hospitalization• 100%
Hospital Accommodation for a companion of a Hospitalized Child• $150 per night up to 20 nights
•Includes food charges for companion in hospital bill only in Brazil
Surgeon and Anesthetist Fees• 100%
Emergency Room• 100%
Routine Health Checkup (0-18 years old)
Includes laboratory tests, X-rays, and any other medical expense
related to the checkup
• $150 per Insured per Policy Year
• No deductible
• No waiting period
Routine Health Checkup (age 18 and over)
Includes laboratory tests, X-rays, and any other medical expense
related to the checkup
• For deductibles $500/$1000, $1000/$2000,
$2000/$3000 and $5000/$5000: $500 per Insured per
• Policy Year
For deductibles $10000/$10000 and $20000/$20000:
$300 per Insured per Policy Year
• No deductible
• No waiting period
Major Diagnostic Services100%
Cancer Treatment (Chemotherapy/radiation)100% (Outpatient inside the Hospital or Certified Facility)
Dialysis100% (Outpatient inside the Hospital or Certified Facility)
HIV/AIDS$500,000 per Insured per lifetime
24 month Waiting Period
Congenital and Hereditary Disorders• $750.000 lifetime per Insured (conditions diagnosed before
age 18)
• 100% (conditions diagnosed at age 18 or after)
Surgical treatment for symptomatic disorders of the feet• 100%
Temporary Emergency coverage while application is evaluated• $25,000
Emergency Transportation
Air Ambulance$50,000 per Insurance per Policy Year to the closest Hospital of qualified treatment
Ground Ambulance100% if ends up in a Hospitalization
Repatriation of Mortal Remains or Cremation Services$50,000 per Insured per Policy Year in the event of death resulting from a covered Accident or condition
Coverage for accidents that occurred during the practice of high risk activities100%
Unique ServicesInterConsultation®: Confirmation of diagnosis and recommendation of the best treatment and specialists. Immediate access to this benefit available regardless of any exclusion applicable under this Policy
Best Doctors Concierge™: Coordination of medical appointments, hospital admission, travel arrangements, accommodation and transportation when services are rendered outside of the Insured’s Country of Residence
Individual Case Management: A program to coordinate, supervise and manage complex cases of long duration
THINGS YOU SHOULD KNOW• Unless otherwise stated, the benefits are on a per Insured, per Policy Year basis in which the chosen Deductible applies. All benefits are in US Dollars (USD)
• Cumulative Deductible per Insured, per Policy Year. Maximum two accumulative Deductibles per family per Policy Year
• In case of Serious Accident no Deductible will apply for first Hospitalization
• Costs are subject to being usual, customary and reasonable
• Unless otherwise specified, all benefits in the Standard Plan will not cover outpatient services.
• Deductible option selected for Standard Plan applies to all Modules
The availability of this module is limited to certain geographical regions. Therefore, this coverage is offered according to the country of residence where it is available, once it is requested and approved at the time of underwriting this Policy.
OUTPATIENT MODULE (Requires Standard Module)
Physicians and Specialists Visits100%
Outpatient Physical Therapy, rehabilitation and Home Health Care (Private Nurse)$10,000 per Insured per Policy Year
Outpatient Diagnostic Services$10,000 per Insured per Policy Year
Specialized Treatments (Psychiatrist, autism and occupational therapies)$2,000 per Insured per Policy Year
Durable Medical Equipment Special Devices, External prosthesis, Orthotic devices$7,000 per Insured per Policy Year
Outpatient Prescribed Medications$7,000
Surgical treatment for symptomatic disorders of the feet100%
Emergency Dental Coverage100%
Bariatric Surgery, gastric bypass and any type of surgical procedure for loss of weight, its complications or treatments$5,000 per insured, per lifetime (24 months waiting period)
Ground Ambulance100%
MATERNITY MODULE (Requires Standard Module)
(Available only for options $1,000/$2,000, $2,500 and $,3500)
Maternity$4,500 per event, no Deductible applies. A 10-month Waiting Period applies. Cost for extraction and one year preservation of stem cells included in maternity benefit
When the Main Insured maintains the policy active for 5 consecutive years with Maternity Module and the female dependent transfers into an individual MY CHOICE policy after the age of 18, she will be eligible to add Maternity Coverage without individual medical underwriting. A 10-month Waiting Period applies to the new policy
Inclusion of NewbornAutomatic without underwriting if born from a Covered maternity
Maternity Complications and Birth complicationsUp to $500,000 lifetime cover
Child Well CareBefore 12 months of age: 5 visits up to $200 per visit
From 12 months of age and until the age of 18: one annual check-up up to $100 per visit. No Deductible applies
Organs and Tissue Transplant$1,000.000 per organ(s) or tissue per Insured, per lifetime and $40,000 for Living Donor
CriticalSelect ™
Eligibility: Age 3–59, renewable cover up to age 65
Cash payment to cover immediate or unexpected expenses, existing debts and lifestyle changes you might need to make if faced with a critical illness
Covered conditions and surgeries: Cancer, stroke, heart attack, (myocardial infarction), coronary artery by-pass surgery, kidney/renal failure, multiple sclerosis, benign brain tumor, paralysis (paraplegia), organ transplant (kidney, heart, lung, liver, pancreas or bone marrow), blindness, deafness