Health Insurance

The Obstetrics team is supervised by the Professor of Gynaecology and supported by attending and on-call gynaecologists, specialised nursing staff, breastfeeding consultants and medical psychologists, ensuring expert care for every patient.

Our multidisciplinary team cares for both mother and child, providing expert medical care while offering emotional and family support.

Modern birthing rooms are available for natural births, along with a state-of-the-art surgical block for planned or emergency C-sections.

• + Freedom to choose your obstetrician and neonatologist.
• + Consultations and follow-up tests throughout pregnancy.
• + Antenatal care free of charge.
• + Automatic newborn enrolment (under standard conditions).
• + Complimentary pregnancy and childbirth course for mothers with more than five years of membership.
• + Private room (unless otherwise specified in existing agreements) with bed and breakfast for an accompanying guest.
• + Optional obstetric analgaesia.
• + Fertility treatments.
• + Optional high-risk antenatal care abroad.

*These benefits are acquired after 10 months of membership.

We provide full critical care for both children and adults, delivered by highly skilled in-house staff.

• + Support for the emotional well-being of patients and their families.
• + Hospitality team attending to every detail our members may need in these circumstances.
• + Permission for an accompanying guest to support the critically ill patient.
• + Comfortable waiting rooms for family members or accompanying guests.

24-hour emergency care for both adults and children through our in-house Emergency Department.

• + Option to schedule appointments for low-complexity cases.
• + Telephone medical advice for patient support.
• + Emergency care in other regions of the country coordinated by the plan’s medical team.

Coverage of highly specialised medicine by the National Resources Fund (FNR).

The Hospital has a Unit of Haematology, Dialysis and pacemaker implant service, which are part of the benefits offered by the FNR.

Emergency care in the country’s interior through local healthcare centres.

• + Coordination through our on-call medical team.
• + Ongoing follow-up by our doctors.
• + Transfer arranged when necessary.

We have an Oncology Unit led by nationally and internationally trained oncologists, working in close collaboration with radiation therapists.

• + In-house chemotherapy unit meeting the highest quality standards.
• + Specialised nursing staff trained in both the technical and human aspects of care.
• + Specialist nutritionists and psychologists providing support throughout treatment.
• + Full coverage of oncology medication (under the nationally authorised VAM protocol).
• + Scalp cooling technology as an adjuvant measure in breast cancer treatment.
• + Internationally recognised Radiotherapy Clinic (RTI).
• + Regular medical rounds for interdisciplinary case discussions.

Rehabilitation is fully covered.

We have a specialised Physiotherapy Department offering conventional, neurological, respiratory and pelvic floor treatments, including hydrotherapy where required.

• + Cardiovascular rehabilitation gym.
• + Treatments at Carrasco Clinic.
• + State-of-the-art equipment.

We have a large team of professionals for treating and follow up patients with these requirements, both adults and children.

• + Specialised inpatient clinics (up to 30 days or unlimited under Fonasa).
• + Psychological support through the mental health plan.
• + Health promotion workshops.

We offer an extensive network of dedicated, highly specialised professionals, ensuring the highest standard of care for our patients.

• + Access to a wide range of medical specialities.
• + Free choice of general practitioners and specialists.
• + Professional and warm dedicated care.
• + Consultants available at the request of the attending physician.
• + Day consultations (primary care specialities).
• + Telemedicine or online consultations.
• + Clinics and consulting rooms designed for a comfortable, low-crowding experience.
• + Nursing support in the required specialities.

Coverage of medications through the National Formulary approved by the Ministry of Public Health (MSP).

• + 100% coverage during inpatient stays.
• + 100% covered for Oncology (MSP protocol).
• + 50% coverage for outpatient medications at participating pharmacies (Farmacia El Túnel, Farmashop and San Roque), with freedom of purchase.
• + Optional charge system.
• + Home delivery available through participating pharmacies (Farmacia El Túnel, Farmashop and San Roque).

A full range of tests available centrally, using the latest state-of-the-art technology.

• + Covered by the National Formulary (MSP).
• + These tests can be requested by our staff doctors or affiliated mobile emergency doctors.
• + Accessible with reduced co-pay options.

A wide range of home healthcare services tailored to each patient’s clinical needs.

• + Non-urgent home medical visits. Within the limits of Montevideo (including La Tahona).
• + Home-based inpatient care.
• + Home nursing care.
• + Senior Adults Programme.
• + Palliative care.

Mobile Emergency Coverage through UCM.

Dental Health Prevention and Promotion

• + Full coverage for oral and maxillofacial surgery.
• + 50% discount for conventional dental inpatients.
• + 24-hour emergency dental consultations free of charge at the UCM Dental Care Clinic.
• + Discount of up to 40% on conventional treatments.

We offer activities and programmes to support health and well-being for all ages and stages of life.

• + Ongoing courses (smoking cessation, maternity, obesity, stress management, nutrition).
• + Cardiopulmonary resuscitation (CPR) workshops.
• + Professional-led discussions and talks (sexual health, sports, childhood accidents, substance abuse, autism, and more).

We offer modern digital systems for comprehensive health management.

• + Online services.
• + Mobile app with access to appointment management, prescriptions, medical records, test results, reports and medication refills.
• + Comprehensive, fully integrated Electronic Health Record.
• + Communication and updates for members through digital channels.
• + Social media for health education and prevention.
• + Always close at hand.

The Plan offers significant discounts to its members across a broad range of services.

To receive the discounts, present your membership card or your ID in the HB app.

Insurance covered by Banco de Seguros del Estado (BSE).

Main features of the coverage:

Expenses related to scheduled (inpatient) surgical procedures that may be performed in Uruguay or abroad.
Up to US$ 1,000,000 for hospitalisation and expenses in surgical procedures and up to US$ 100,000 for oncological treatment.
Plans with deductibles of US$ 5000 and US$ 10,000.
Assistance service for an accompanying person of US$ 200 per day for up to 30 days.
Coverage is provided through prior coordination with BSE, which pays costs directly. Reimbursement is not applicable.
Antenatal coverage (upon the mother’s request) without exclusions if the mother has been insured under this policy for at least 10 months prior to birth.
Maximum age for enrolment: 60 years.
Pre-existing conditions are fully or partially excluded from this coverage.
The complete and signed sworn statement must be submitted at our offices together with the SQ letter and photocopy of the applicant’s identity card.

Se debe Presentar la Declaración Jurada completa y firmada en nuestras oficinas junto con la Carta SQ y fotocopia de la CI.

How to request coverage:

Coverage requires only a medical indication for a surgical procedure or oncology treatment. Present yourself at the Hospital Scheme Membership Department to coordinate the necessary arrangements.

Assistance abroad will only be covered if it is pre-authorised and coordinated with the Customer Service office, and subsequently approved by the BSE.

Travel Insurance, provided by MAWDY Uruguay, offers several plans according to the type of travel and coverage you wish to purchase.

If you have this service, contact the Uruguay Asistencia Contact Centre for any emergency or incident:

Telephone (+598) 2908 3381

Telephone (+598) 2903 0087

WhatsApp (+598) 92 888 900.

Documents available for download:

- VIP (Basic coverage with no deductible).
- Plus (Meets the requirements of the Schengen Agreement in Europe).
- Platino (Coverage that includes pre-existing conditions).

- SEE COMPARATIVE TABLE OF PLANS AND COVERAGE

Outpatients can access their prescribed medicine through an optional co-payment system.

Funeral coverage is provided by Previsora Martinelli.

Main features of the coverage:

Best plan provided by the company.

Includes premium service, two newspaper notices (two-column format), and a wreath.

Immediate benefits for new members of Hospital Scheme.

Waiting periods for funeral coverage: 3 months membership for members up to age 50, 6 months membership for members up to age 65, 10 months membership for members up to age 75, 15 months membership for members up to age 89, and 20 months membership for members from age 90 onward.

Direct family members who are not Hospital Scheme members are also eligible (parents up to 55 years old, spouses, children and siblings).

Cremation services are available through Previsora Martinelli within the coverage, with an additional fee (age limit 74 years).

For more information, contact the Members Department at +598 2487 1020 extension 1301.