Welcome to Kevin Bradley - Insurance in Panama
Tuesday, February 20 2018 @ 10:10 AM EST

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BlueCross & BlueShield in Panama?

Health InsuranceBlue Cross & Blue Shield has affiliated themselves with Cia. Internacional de Seuros, S.A, a local Panama licensed insurance company. This relationship allows IS insureds to access the USA network of BC & BS.

Here is the address of their international plans sorry, Spanish only:

http://isweb.iseguros.com/bcbs/index.php?elemid=1&parentid=1

Here is the address of their Panama ONLY health insurance plans click the English link (Ingles).

http://isweb.iseguros.com/bcbs/index.php?elemid=2&parentid=1

My associate Carmen 322-1605 and Brenda West bwest@iseguros.com an IS executive, 206-4235 are standing by to answer specific questions.


Maximum Age to apply – 62 YEARS OLD. You must take and pass required exams/labs at your own expense $100.00+ See "Requisito Medicos" (NO refunds, if you fail to pass the exams)!

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My BUPA Favorites!

Health InsuranceHere are a couple of the new BUPA Latin America (issued directly from Miami) plans that I like. I have BUPA Secure with a $5,000/yr. deductible.

BUPA Secure:

Secure Care offers members up to USD2 million of coverage a year through the Bupa Secure Hospital Network. Designed as a comprehensive plan, it provides coverage from out-patient diagnosis through in-patient surgery, including coverage for cancer and emergency evacuation, if needed. For additional peace of mind, customers can select optional benefits for complications of maternity and transplant procedures.

BUPA Essential:

Essential Care is designed to offer an excellent value plan
that covers essential health care needs. Using our Essential Hospital Network in Latin America, the Caribbean and the
USA, Essential Care covers out-patient diagnostics, the cost
of in-patient surgery, cancer treatment and coverage for any out-patient physiotherapy that you may need after a hospital stay. In addition, the plan provides coverage for emergency repatriation and additional coverage options for complications of maternity and transplants.

More.........
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Panama Homeowners/Contents Multi-risk Coverage

Fire InsuranceThis could happen to you:

http://www.panama-guide.com/article.php/20080823103629228

or

http://www.panama-guide.com/article.php/20060519193924770

Panama has very reasonable Homeowners protection to cover the contents of your residence for Fire, Theft, Liability. We insure the building and the contents under separate policies.

We recommend that you insure a portion of the contents under a homeowner´s multirisk policy. This policy will include coverage for fire, theft, explosion, earthquake, hurricane/windstorm, flood, smoke and water damages. It will also cover your electronic equipment ( % of the basic sum insured); theft ( % of the basic sum insured); assault (up to $250.00 cash); breakage of windows; general liability up to $100,000.00 and ambulance service. Liability is also a provided for damage sustained by your neighbors from a fire or water leak originating in your residence.


more.....
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Panama Fire Insurance for Structures

Fire InsuranceFire Insurance policies for structures in the Republic of Panama are similar to those issued in the USA, Canada and Europe. The basic fire policy also includes extended coverage for occurrences other than fire. This may include damage from Explosion, Earthquake, Windstorm, Lightning, Smoke, Flood & Water damage, Falling Objects and Debris Removal after an incident. Here is an example of coverage available from a large Multi-National Underwriter:

Fire / Lightning Earthquake
Windstorm / Hurricane Impact of falling objects
Debris Removal Explosion
Esthetic Restoration (5% of the sum insured) Smoke Damage
Alterations, Modifications and Additions Flood and Water Damage
Breakage of glass/windows (Sub-Limit$.30,000.00)
Damages to the structure as a consequence of robbery (5% of sum insured)
Electrical Damages (80% of the sum insured)
Intentional/malicious damage and looting
Common water damages, filtration and leaks (20% of the basic sum insured)

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Fire in Panama Condo!

Fire InsuranceWhy do I need fire insurance in a cement condominium? Click on the link from our friends at Panama Guide to see this scary video.........

http://www.panama-guide.com/article.php/20090926130530310

Be sure to read the comments at the bottom of the article.......




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Are you renting your Panama Condo/House to 3rd parties?

Fire InsuranceHere in Ducruet, we have designed a special program to cover your property and extend certain coverage to your TENANTS.

First of all, we recommend that you insure YOUR contents under a homeowner´s multirisk policy. This policy will include coverage for fire, theft, explosion, earthquake, hurricane/windstorm, flood, smoke and water damages. It will also cover your electronic equipment ( % of the basic sum insured); theft ( % of the basic sum insured); break in with forced entry and assault (up to $250.00 cash) inside or outside the premises.

Within this basic policy, there is General Liability Coverage up to $100,000.00. This protection also extends to damage sustained by your neighbors from an incident originating in your residence.

If you are renting to third parties, we recommend that you request a "special endorsement" extending the Personal Liability coverage to these inquilinos(renters):

This special endorsement will extend coverage to the damages caused to third parties as a result of the renter’s negligence for which they are legally liable.

More......

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Most and Least Expensive Cars to Insure

Automobile InsuranceTen autos that will sap your wallet -- and 10 that won't:

http://finance.yahoo.com/insurance/article/107172/most-and-least-expensive-cars-to-insure?mod=insurance-autos
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Is your Cellphone a Microwave?

Health InsuranceThese devices are dangerous! Imagine what they are doing to our brains? I carry a Blackberry on my belt..............not anymore.....

Check it out!

http://www.dailymotion.com/video/x5odhh_pop-corn-telephone-portable-micro-o_news
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Panama Banking District Expolsion and Fire!

Fire InsuranceA very serious Explosion and Fire occurred yesterday behind the Marriot Hotel in the Bella Vista Banking District. Several apartments were damaged and many autos parked on the street were totally destroyed.

Here is a link to the video from several perspectives:

http://www.panama-guide.com/article.php/videos-of-fire-yesterday

As you will see, the apartments were burning for some time and according to the fire department inspectors at the scene, one building may be a TOTAL LOSS!

Do you have fire insurance for your residence?

Read: http://panamakevin.com/article.php/20050819172521385
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Obtaining a Panama Drivers License

General Panama InfoThe following information from a post in AIP by Mary Roush may help new arrivals through the process of obtaining a Panama Drivers license.

Documents Needed:
• -Resident Card
• -Passport
• -Driver's License from Country of Origin
• -Blood Test (Your blood type is indicated on the license, which is pretty cool if you don't know what it is! I'm O+!)
• -Glucose Test (To show that your blood sugar levels are not outside the standard range)

Procedure (I think it is virtually impossible to do this in one day, but if you start at 7 a.m., you may make it):
• 1. Consult with lawyer to obtain residency card…That's a whole other article!
• 2. To obtain your blood and glucose test, go to a medical center while fasting (en ayunas) and mention that the tests are for your "licencia de conducir." The results are ready in an hour or so and costs approximately $15.

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