Welcome to Kevin Bradley - Insurance in Panama
Friday, December 15 2017 @ 09:02 AM EST

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Peexisting Conditions?

Health InsuranceThe primary purpose of insurance is to cover the cost of the unexpected and the unforeseen. Health insurance companies may apply a special condition to a policy when it is clear from the information provided that the insured is either receiving ongoing treatment or has a foreseeable need to receive treatment for a specific medical condition, as this condition constitutes a known risk. Treatment for the ongoing condition may be in the form of consultations with a medical practitioner, tests, investigations or medication to control the condition and/or its symptoms.

When a special condition is applied to an insurance policy, the company may not assist towards any costs incurred for that specific condition, nor for conditions which arise directly from that excluded condition. A hypothetical example would be when an exclusion had been applied for High Cholesterol and the patient later developed heart attack as a direct result of the High Cholesterol. Benefit would not be available for any treatment of the High Cholesterol, nor for treatment of the heart attack.

More to come...
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HaelthSpan Calculator

Health InsuranceThe Living to 100 Life Expectancy Calculator© is brought to you by Dr. Thomas Perls in partnership with the Alliance for Aging Research, a not-for-profit organization based in Washington, D.C. The Living to 100 Quiz was designed to translate longevity research of centenarians into a practical and empowering tool for individuals to estimate their longevity potential.

http://www.agingresearch.org/calculator/
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PALIC Local Cancer Policy

Health InsuranceIn addition to my International Health Insurance policy, I have also purchased this FLEXI-CANCER coverage from PALIC de Panama. I pay $63/yr.

In order to obtain this inexpensive coverage, call me 322-1603, Carmen 322-1605 or PALIC customer service 208-4212.

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Local PPO!

Health InsuranceThe following is a popular local PPO with Cia. Internacional de Seguros. This is a Panama ONLY alternative. My associate Carmen 322-1605 and an IS executive, Brenda West 206-4235 are standing by to answer specific questions and complete the application process..

Maximum Age to apply – 62 YEARS OLD. In order to qualify, you must take and pass required exams/labs at your own expense!

http://isweb.iseguros.com/bcbs/images/documentos/planes/medired/centenario/beneficio_en.pdf
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Gary Scott endorses BUPA/Kevin!

Health InsuranceFrom International Financial Advisor Gary Scott's Dec. 12 newsletter "Spotting Trends in Insurance Change":

Change is taking place at an increasing pace. Spotting trends can help us live and invest better. One big change is that many people are changing residences. More and more people choose to live in countries other than where they were born and have lived.

With the current exodus out of USA and Canada, many new residents are coming to Latin America.

Often an important factor in determining whether a person can move abroad is finding good health insurance.  Moving to Ecuador or Panama or wherever and leaving current health insurance behind is a difficult decision. Remember, Medicare does NOT cover you outside the USA. There is a solution!

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Panama Health Insurance

Health InsuranceBelow you will find a web page describing several local health insurance plans that I believe are acceptable. http://www.amundial.com/es/planes-sal-ind.aspx You should know that local companies change rates and coverage often, so please don't hold me to these as chiseled in stone. Be very careful of "coverage" sold by local hospitals, they are not insurance contracts and these "agreements" may change at the whim of the hospital. They are woefully inadequate for any serious condition and most will only pay up to $15,000 lifetime. Remember, most intensive care facilities are $800.00/day. MORE...