{"text_format":"1","workbook":"xlsx","n_sheets":9,"sheets":["Cotizador","Instrucciones","COTIZACION","FACTORES","TARIFARIO","IMPRESION","IMPRESION_2","HISTORICO DE TARIFAS","CAMBIOS"],"not_rendered":{"charts":0,"images":5,"macros":1,"external_links":2,"defined_names":71,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Cotizador","index":0,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"Instrucciones","index":1,"n_rows":32,"n_cols":9,"rows_kept":32,"cut":false,"hidden":true,"merged":[[29,1,29,8],[28,1,28,8],[27,1,27,8],[23,1,23,8],[24,1,24,8],[26,1,26,8],[25,1,25,8],[33,1,33,8],[31,1,31,8],[37,1,37,8],[30,1,30,8],[32,1,32,8],[9,1,9,8],[17,1,17,8],[18,1,18,8],[20,1,20,8],[22,1,22,8],[11,1,11,8],[14,1,14,8],[21,1,21,8],[12,1,12,8],[16,1,16,8],[19,1,19,8]]}
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2022-02-03"}]
[]
[]
[null,"INSTRUCCIONES"]
[]
[null,"Seguros Banorte elaboró para ti esta herramienta de sencilla utilización de la que . . . "]
[null," ¡Estamos seguros, te será de gran utilidad!"]
[]
[null,"A. Ingresa o selecciona de la lista desplegable tu clave de agente en la pestaña de COTIZACIÓN"]
[]
[null,"1. Seleccione el NIVEL HOSPITALARIO (T o T+)"]
[null,"2. Seleccione el TIPO DE COTIZACIÓN (Individual o Familiar)"]
[null,"3. Seleccione la SUMA ASEGURADA deseada"]
[null,"4. Seleccione el TIPO DE DEDUCIBLE (Anual o Por Padecimiento)"]
[null,"5. Seleccione el DEDUCIBLE deseado"]
[null,"6. Seleccione el COASEGURO deseado"]
[null,"7. Seleccione el ESTADO donde radica el cliente."]
[null,"9. Seleccione si desea INCREMENTO EN SUMA ASEGURADA POR PARTO O CESÁREA (\"SI\", \"NO\")"]
[null,"10. Seleccione la SUMA ASEGURADA POR PARTO O CESÁREA"]
[null," (La base de suma asegurada es de $20,000)"]
[null,"11. Seleccione si desea COBERTURA DE VISION INCREMENTAL  (\"SI\", \" NO\")"]
[null,"12. Seleccione si desea COBERTURA DE INDEMNIZACION POR ENFERMEDAD GRAVE, así como la SUMA ASEGURADA\n      para esta cobertura"]
[null,"13. Seleccione si desea COBERTURA TOTAL EN EL EXTRANJERO  (\"SI\", \" NO\")"]
[null,"14. Si desea incrementar la base de honorarios quirúrgicos deberá indicar el porcentaje deseado en INC THQ"]
[null,"15. Llene el NOMBRE, SEXO y EDAD del Titular, Cónyuge y Dependientes (si fuera el caso)"]
[null,"16. Vaya al FORMATO DE IMPRESIÓN para obtener la COTIZACIÓN"]

{"sheet":"COTIZACION","index":2,"n_rows":42,"n_cols":10,"rows_kept":42,"cut":false,"hidden":false,"merged":[[90,14,90,15],[88,14,88,15],[102,12,102,19],[103,12,104,19],[94,13,94,15],[92,12,92,13],[89,14,89,15],[1,1,1,2],[2,1,2,2],[11,12,11,19],[4,1,5,3],[77,12,77,15],[17,11,18,19],[39,2,39,4],[36,8,38,9],[41,1,41,5],[38,2,38,4]]}
[]
[]
[]
[]
[null,"DATOS DE LA PÓLIZA"]
[]
[null,"Tipo de póliza",null,"Nueva",{"$f":"IF(AND(D7=\"Nueva\",E28>64),\"COTIZACION INVALIDA\",IF(AND(D7=\"Nueva\",E29>64),\"COTIZACION INVALIDA\",\"OK\"))","v":"OK"}]
[null,"Nivel Hospitalario",null,"T+"]
[null,"Tipo de Cotización",null,"FAMILIAR"]
[null,"Suma Asegurada",null,100000000]
[null,"Tipo de Deducible",null,"POR PADECIMIENTO"]
[null,"Deducible",null,12000]
[null,"Coaseguro",null,"10% CON TOPE DE $35,000"]
[null,"Estado",null,"CIUDAD DE MÉXICO"]
[null,"Zona",null,{"$f":"VLOOKUP(D14,FACTORES!$N$3:$P$34,2,0)","v":8}]
[null,"Eliminación de Deducible por Accidente",null,"SI"]
[null,"Incremento en Parto o Cesárea",null,"NO",{"$f":"IF(D12>50000,\"Gasto por parto o cesárea incluido en cobertura básica de hasta $20,000\",IF(D17=\"NO\",\"Gasto por parto o cesárea incluido en cobertura básica de hasta $20,000\",\"Gasto por parto o cesárea con cobertura incremental contratada, hasta\"&\" $ \"&D17))","v":"Gasto por parto o cesárea incluido en cobertura básica de hasta $20,000"}]
[null,"Cobertura de Visión Incremental",null,"NO"]
[null,"Cobertura de Indemnización por Enfermedad Grave (1)",null,"NO",{"$f":"IF(AND(D19<>\"NO\",SUM(A28:A35)<1),\"COBERTURA NO PERMITIDA POR EDAD\",\"\")","v":""}]
[null,"Cobertura Total en el Extranjero",null,"NO",{"$f":"+IF(D8=\"T\",\"No es posible contratar cobertura en el extranjero en este nivel Hospitalario\",\"\")","v":""}]
[]
[null,"Inc THQ",null,0]
[null,"IVA ",null,0.16]
[null,"IVA ",null,0.16]
[]
[]
[null,"ASEGURADO","NOMBRE","SEXO","EDAD",null,"Forma de Pago","Primer Recibo","Recibos Subsecuentes","Total"]
[{"$f":"+IF(AND(E28>=18,E28<60),1,0)","v":1},"Titular",null,"HOMBRE",49,{"$f":"+IF(E28=\"\",\"\",IF(D9=\"FAMILIAR\",IF(E28<18,\"Edad no permitida\",\"\"),\"\"))","v":""},"ANUAL",{"$f":"+IMPRESION!E87","v":46005.159193784348},{"$f":"+IMPRESION!F87","v":0},{"$f":"+IMPRESION!G87","v":46005.159193784348}]
[{"$f":"+IF(AND(E29>=18,E29<60),1,0)","v":0},{"$f":"IF(D9=\"FAMILIAR\",\"Cónyuge\",\"\")","v":"Cónyuge"},null,null,null,{"$f":"+IF(E29=\"\",\"\",IF(D10=\"FAMILIAR\",IF(E29<18,\"Edad no permitida\",\"\"),\"\"))","v":""},"SEMESTRAL",{"$f":"+IMPRESION!E88","v":24532.654411825173},{"$f":"+IMPRESION!F88","v":23604.654411825173},{"$f":"+IMPRESION!G88","v":48137.308823650346}]
[0,{"$f":"IF($D$9=\"FAMILIAR\",\"Dependiente 1\",\"\")","v":"Dependiente 1"},null,null,null,null,"TRIMESTRAL",{"$f":"+IMPRESION!E89","v":12985.013155357468},{"$f":"+IMPRESION!F89","v":12057.013155357468},{"$f":"+IMPRESION!G89","v":49156.052621429873}]
[0,{"$f":"IF($D$9=\"FAMILIAR\",\"Dependiente 2\",\"\")","v":"Dependiente 2"},null,null,null,null,"MENSUAL",{"$f":"+IMPRESION!E90","v":5059.6972831036173},{"$f":"+IMPRESION!F90","v":4131.6972831036173},{"$f":"+IMPRESION!G90","v":50508.367397243412}]
[0,{"$f":"IF($D$9=\"FAMILIAR\",\"Dependiente 3\",\"\")","v":"Dependiente 3"}]
[0,{"$f":"IF($D$9=\"FAMILIAR\",\"Dependiente 4\",\"\")","v":"Dependiente 4"}]
[0,{"$f":"IF($D$9=\"FAMILIAR\",\"Dependiente 5\",\"\")","v":"Dependiente 5"}]
[0,{"$f":"IF($D$9=\"FAMILIAR\",\"Dependiente 6\",\"\")","v":"Dependiente 6"},null,null,null,null,"RECARGOS POR PAGO FRACCIONADO"]
[null,null,null,null,null,null,"Forma de Pago","%"]
[null,null,null,null,null,null,"SEMESTRAL",4.7300000000000002E-2,"FAVOR de Verificar si estos factores son los vigentes"]
[null,null,null,null,null,null,"TRIMESTRAL",6.9900000000000004E-2]
[null,"CLAVE DE AGENTE",null,null,null,null,"MENSUAL",9.9900000000000003E-2]
[null,"AGENTE"]
[]
[null,"(1) Esta cobertura aplica para Asegurados con edades entre 18 a 59 años.\n**Vigencia de cotizador del 01 de Marzo 2022 al 28 de Febrero 2023."]

{"sheet":"FACTORES","index":3,"n_rows":103,"n_cols":59,"rows_kept":103,"cut":false,"hidden":true,"merged":[[32,52,32,53],[0,10,0,11]]}
[null,"TARIFA 2020",null,"ok",null,null,"DEDUCIBLE ","POR PADECIMIENTO","ANUAL",null,"COASEGURO",null,null,"Estados",null,null,null,"Zonas",null,null,"SUMA ASEGURADA",null,null,"RECARGO POR PAGO FRACCIONADO",null,null,null,null,"APLICACIÓN DE FACTORES",null,null,"COBERTURAS ADICIONALES"]
[null,"Edad","Hombre","Mujer",null,null,"IMPORTE","FACTOR","FACTOR",null,"%","FACTOR",null,"ESTADO DE LA REPUBLICA","REGIÓN PREFERENTE","Zona",null,"ZONA","FACTOR",null,"SUMA ASEGURADA","FACTOR",null,"PERIODO","FIJO","CAPTURA","% CALCULO",null,"CONCEPTO","FACTOR",null,"CONCEPTO","FACTOR",null,"Participante","Basica","Maternidad","Adicionales","EDxA","Cob Ext","Total",null,null,null,null,null,null,"EMERGENCIA EN EL EXTRANJERO",null,null,null,"DED CERO POR ACC","COSTO",null,null,"RPF","FIJO","CAPTURA","% CALCULO"]
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[null,1,9815.6049854339035,9779.1276858485235,null,null,15000,0.79800000000000004,0.72099999999999997,null,"15% CON TOPE DE $45,000",0.88800000000000001,null,"BAJA CALIFORNIA NORTE",3,2,null,2,0.71,null,300000,0.71,null,"TRIMESTRAL",7.0000000000000007E-2,{"$f":"+COTIZACION!H38","v":6.9900000000000004E-2},{"$f":"IF(Z4=0,1+Y4,1+Z4)","v":1.0699000000000001},null,"Suma Asegurada",{"$f":"VLOOKUP(COTIZACION!D10,FACTORES!$U$3:$V$24,2,0)","v":1.19},null,"Asistencias",{"$f":"$AD$13","v":78.222375},null,2,{"$f":"(IF(COTIZACION!F29=\"EDAD NO PERMITIDA\",\"EDAD NO PERMITIDA\",IF(IMPRESION!H72=\"\",\"\",IF(IMPRESION!I72=\"HOMBRE\",VLOOKUP(IMPRESION!H72,FACTORES!$B$3:$D$103,2,0)*FACTORES!$AD$9,IF(IMPRESION!I72=\"MUJER\",VLOOKUP(IMPRESION!H72,FACTORES!$B$3:$D$103,3,0)*FACTORES!$AD$9,\"\")))))","v":""},{"$f":"IF(COTIZACION!D29=\"\",\"\",IF(AND(COTIZACION!D29=\"MUJER\",50>COTIZACION!E29,COTIZACION!E29>17,COTIZACION!$D$12>45000),FACTORES!$L$21,IF(AND(COTIZACION!D29=\"mujer\",50>COTIZACION!E29,COTIZACION!E29>17),VLOOKUP(COTIZACION!$D$17,FACTORES!$K$21:$L$23,2,0),0)))","v":""},{"$f":"IF(AND(COTIZACION!E29>17,COTIZACION!E29<60),IF(AJ4=\"\",\"\",$AG$8),IF(AJ4=\"\",\"\",$AG$8-$AG$7))","v":""},{"$f":"IF(AJ4=\"\",\"\",IF(COTIZACION!E29<20,FACTORES!$AG$26,FACTORES!$AG$27))","v":""},{"$f":"IFERROR(IF(COTIZACION!D9=\"T\",0,IF(AJ4=\"\",\"\",VLOOKUP(COTIZACION!$D$20,FACTORES!$AC$30:$AD$31,2,0))*AJ4),0)","v":0},{"$f":"IF(AJ4=\"\",\"\",SUM(AJ4:AN4))","v":""},null,null,null,null,null,null,"NO",1,null,null,null,null,null,null,"TRIMESTRAL"]
[null,2,9815.6049854339035,9779.1276858485235,null,null,20000,0.747,0.67500000000000004,null,"20% CON TOPE DE $60,000",0.85,null,"BAJA CALIFORNIA SUR",5,3,null,3,0.71,null,400000,0.73399999999999999,null,"MENSUAL",0.1,{"$f":"+COTIZACION!H39","v":9.9900000000000003E-2},{"$f":"IF(Z5=0,1+Y5,1+Z5)","v":1.0999000000000001},null,"Deducible",{"$f":"IF(COTIZACION!D11=\"ANUAL\",VLOOKUP(COTIZACION!D12,FACTORES!$G$3:$I$17,3,0),VLOOKUP(COTIZACION!D12,FACTORES!$G$3:$I$17,2,0))","v":0.83099999999999996},null,"Cobertura integral D y V",{"$f":"$AD$17","v":160.56468750000002},null,3,{"$f":"(IF(COTIZACION!F30=\"EDAD NO PERMITIDA\",\"EDAD NO PERMITIDA\",IF(IMPRESION!H73=\"\",\"\",IF(IMPRESION!I73=\"HOMBRE\",VLOOKUP(IMPRESION!H73,FACTORES!$B$3:$D$103,2,0)*FACTORES!$AD$9,IF(IMPRESION!I73=\"MUJER\",VLOOKUP(IMPRESION!H73,FACTORES!$B$3:$D$103,3,0)*FACTORES!$AD$9,\"\")))))","v":""},{"$f":"IF(COTIZACION!D30=\"\",\"\",IF(AND(COTIZACION!D30=\"MUJER\",50>COTIZACION!E30,COTIZACION!E30>17,COTIZACION!$D$12>45000),FACTORES!$L$21,IF(AND(COTIZACION!D30=\"mujer\",50>COTIZACION!E30,COTIZACION!E30>17),VLOOKUP(COTIZACION!$D$17,FACTORES!$K$21:$L$23,2,0),0)))","v":""},{"$f":"IF(AND(COTIZACION!E30>17,COTIZACION!E30<60),IF(AJ5=\"\",\"\",$AG$8),IF(AJ5=\"\",\"\",$AG$8-$AG$7))","v":""},{"$f":"IF(AJ5=\"\",\"\",IF(COTIZACION!E30<20,FACTORES!$AG$26,FACTORES!$AG$27))","v":""},{"$f":"IFERROR(IF(COTIZACION!D10=\"T\",0,IF(AJ5=\"\",\"\",VLOOKUP(COTIZACION!$D$20,FACTORES!$AC$30:$AD$31,2,0))*AJ5),0)","v":0},"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MENSUAL"]
[null,3,9815.6049854339035,9779.1276858485235,null,null,25000,0.70399999999999996,0.63600000000000001,null,null,"ok",null,"CAMPECHE",1,1,null,4,0.84,null,500000,0.753,null,null,null,null,null,null,"Coaseguro",{"$f":"VLOOKUP(COTIZACION!D13,FACTORES!$K$3:$L$5,2,0)","v":0.92200000000000004},null,"Visión Incremental",{"$f":"VLOOKUP(COTIZACION!$D$18,FACTORES!$AC$21:$AD$22,2,0)","v":0},null,4,{"$f":"(IF(COTIZACION!F31=\"EDAD NO PERMITIDA\",\"EDAD NO PERMITIDA\",IF(IMPRESION!H74=\"\",\"\",IF(IMPRESION!I74=\"HOMBRE\",VLOOKUP(IMPRESION!H74,FACTORES!$B$3:$D$103,2,0)*FACTORES!$AD$9,IF(IMPRESION!I74=\"MUJER\",VLOOKUP(IMPRESION!H74,FACTORES!$B$3:$D$103,3,0)*FACTORES!$AD$9,\"\")))))","v":""},{"$f":"IF(COTIZACION!D31=\"\",\"\",IF(AND(COTIZACION!D31=\"MUJER\",50>COTIZACION!E31,COTIZACION!E31>17,COTIZACION!$D$12>45000),FACTORES!$L$21,IF(AND(COTIZACION!D31=\"mujer\",50>COTIZACION!E31,COTIZACION!E31>17),VLOOKUP(COTIZACION!$D$17,FACTORES!$K$21:$L$23,2,0),0)))","v":""},{"$f":"IF(AND(COTIZACION!E31>17,COTIZACION!E31<60),IF(AJ6=\"\",\"\",$AG$8),IF(AJ6=\"\",\"\",$AG$8-$AG$7))","v":""},{"$f":"IF(AJ6=\"\",\"\",IF(COTIZACION!E31<20,FACTORES!$AG$26,FACTORES!$AG$27))","v":""},{"$f":"IFERROR(IF(COTIZACION!D11=\"T\",0,IF(AJ6=\"\",\"\",VLOOKUP(COTIZACION!$D$20,FACTORES!$AC$30:$AD$31,2,0))*AJ6),0)","v":0},"",null,null,null,null,null,null,"COBERTURA EN EL EXTRANJERO",null,null,null,5500,541.66999999999996]
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[null,8,9815.6049854339035,9779.1276858485235,null,null,50000,0.54400000000000004,0.49199999999999999,null,0,1,null,"COLIMA",5,3,null,9,1.25,null,2000000,0.86699999999999999,null,"NO",0,0,{"$f":"+Z11*Y11","v":0},null,"ASISTENCIAS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15000,739.49,{"$f":"AY11/1.8","v":410.82777777777778},null,3,0.82399999999999995,{"$f":"+BC11*$BC$14","v":40705.599999999999}]
[null,9,9815.6049854339035,9779.1276858485235,null,null,75000,0.44400000000000001,0.40100000000000002,null,0.15,1.1000000000000001,null,"DURANGO",5,3,null,10,"-",null,3000000,0.90100000000000002,null,10000,106.63687396464823,1,{"$f":"+Z12*Y12","v":106.63687396464823},null,"RESPUESTA","COSTO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20000,791.3,null,null,4,1,{"$f":"+BC12*$BC$14","v":49400}]
[null,10,9815.6049854339035,9779.1276858485235,null,null,100000,0.376,0.34,null,0.25,1.1399999999999999,null,"ESTADO DE MÉXICO",9,5,null,null,null,null,4000000,0.92400000000000004,null,20000,106.63687396464823,2,{"$f":"+Z13*Y13","v":213.27374792929646},null,"SI",78.222375,69.3,72.765000000000001,null,null,null,"Llave","Ramo","Norma","Textos","Llave_2",null,null,null,null,null,null,null,null,null,25000,831.47]
[null,11,9825.420590419335,9681.3364089900369,null,null,null,null,null,null,0.5,1.25,null,"GUANAJUATO",3,2,null,null,null,null,5000000,0.94299999999999995,null,30000,106.63687396464823,3,319.91062189394472,null,null,null,null,null,null,null,{"$f":"+LEFT(AJ14,4)","v":"1T T"},"1T T 16",1200,95000,"1,2,3,5,6,7,8",{"$f":"+VLOOKUP(COTIZACION!D14,FACTORES!N3:O34,2,FALSE)&LEFT(COTIZACION!D8,1)&\" \"&IF(IFERROR(SEARCH(\"TOPE\",COTIZACION!D13,1),\"\")=\"\",\"\",\"T\")","v":"8T T"},null,null,null,null,null,null,null,null,null,30000,1324.73,null,null,"BASE",49400]
[null,12,9835.2460110097527,9584.5230449001374,null,null,null,null,null,null,0.75,1.35,null,"GUERRERO",3,2,null,"NIVEL HOSPITALARIO PREFERENTE",null,null,6000000,0.95799999999999996,null,40000,106.63687396464823,4,426.54749585859292,null,"COBERTURA INTEGRAL DENTAL Y VISIÓN",null,null,null,null,null,{"$f":"+LEFT(AJ15,4)","v":"2T T"},"2T T 16",1200,95001,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,null,null,35000,1367.29]
[null,13,9845.0812570207618,9488.6778144511354,null,null,null,null,null,null,1,1.45,null,"HIDALGO ",5,3,null,"CATALOGO","FACTOR",null,7000000,0.97099999999999997,null,50000,106.63687396464823,5,533.18436982324113,null,"RESPUESTA","COSTO",null,null,null,null,"3T T","3T T 16",1200,95002,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,1238,null,40000,1404.13]
[null,14,9854.9263382777808,9488.6778144511354,null,null,null,null,null,null,null,"ok",null,"JALISCO",4,3,null,"T",0.69,null,8000000,0.98199999999999998,null,75000,106.63687396464823,7.5,799.77655473486175,null,"SI",160.56468750000002,142.25,149.36250000000001,null,null,"4T T","4T T 16",1200,95003,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,null,null,45000,1436.64]
[null,15,9864.7812646160583,9488.6778144511354,null,null,null,null,0.90400000000000003,null,null,null,null,"MICHOACAN",5,3,null,"T+",0.84,null,9000000,0.99099999999999999,null,100000,106.63687396464823,10,1066.3687396464823,null,null,null,null,null,null,null,"5T T","5T T 16",1200,95004,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,null,null,50000,1465.7]
[null,16,9874.6460458806741,9488.6778144511354,null,null,null,null,"ok",null,"MATERNIDAD",null,null,"MORELOS",7,4,null,null,null,null,10000000,1,null,null,null,null,{"$f":"+IF(OR(COTIZACION!E19=\"COBERTURA NO PERMITIDA POR EDAD\",COTIZACION!D19=\"NO\"),0,VLOOKUP(COTIZACION!D19,FACTORES!X11:AA18,4,FALSE))","v":0},null,"VISIÓN INCREMENTAL",null,null,null,null,null,"6T T","6T T 16",1200,95005,"1,2,3,5,6,7,8"]
[null,17,9884.5206919265529,9488.6778144511354,null,null,null,null,null,null,"Incremento HQ","Factor",null,"NAYARIT",3,2,null,"TIPO DE COTIZACIÓN",null,null,20000000,1.0569999999999999,null,null,null,null,null,null,"RESPUESTA","COSTO",null,null,null,null,"7T T","7T T 16",1200,95006,"1,2,3,5,6,7,8"]
[null,18,9983.3658988458192,7590.9422515609094,null,null,null,"TIPO DE DEDUCIBLE",null,null,"NO",1954.0264736897072,null,"NUEVO LEON",6,4,null,"INDIVIDUAL",null,null,30000000,1.091,null,"BASE DE CATALOGO",null,null,null,null,"SI",233.2110375,206.61,216.94050000000001,null,null,"8T T","8T T 16",1200,95007,"1,2,3,5,6,7,8"]
[null,19,10083.199557834278,8107.1263246670524,null,null,null,"POR PADECIMIENTO",null,null,30000,3656.306716133211,null,"OAXACA",1,1,null,"FAMILIAR",null,null,40000000,1.115,null,"ZONA","PORCENTAJE","MONTO",null,null,"NO",0,0,null,null,null,"9T T","9T T 16",1200,95008,"1,2,3,5,6,7,8"]
[null,20,8943.4997836713956,7794.5062016439197,null,null,null,"ANUAL",null,null,40000,7790.4372382899992,null,"PUEBLA",2,2,null,null,null,null,50000000,1.133,null,1,0.76091991291861594,{"$f":"Y23*$Y$33","v":38873.876511186252},null,null,null,null,null,null,null,null,"10T ","10T T 16",1200,95009,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,null,null,null,null,null,"Costo por persona de 543"]
[null,21,9390.6747728549653,9509.2975660055818,null,null,null,null,null,null,50000,22705.285947617907,null,"QUERETARO ",5,3,null,"GENERO TITULAR",null,null,100000000,1.19,null,2,0.76091991291861594,38873.876511186252,null,null,"COSTO EMERGENCIA EN EXTRANJERO",null,null,"COSTO ELIMINACION DE DEDUCIBLE",null,null,"1E T","1E T 16",1201,95010,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,null,null,null,null,null,543.35]
[null,22,9860.2085114977144,10802.562034982338,null,null,null,null,null,null,"18-50","ok",null,"QUINTANA ROO",7,4,null,"HOMBRE",null,null,null,"ok",null,3,0.76091991291861594,38873.876511186252,null,null,"REGIÓN","COSTO",null,"DEDUCIBLE","COSTO",null,"2E T","2E T 16",1201,95011,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,null,null,null,null,null,510.75]
[null,23,10451.821022187578,11828.805428305661,null,null,null,null,null,null,null,null,null,"SAN LUIS POTOSI",7,4,null,"MUJER",null,null,null,null,null,4,0.89441382185372176,45693.81333086294,null,null,1,173.66276482014834,null,"0-19",842.18447277336566,null,"3E T","3E T 16",1201,95012,"1,2,3,5,6,7,8"]
[null,24,11078.930283518834,12656.821808287059,null,null,null,null,null,null,null,null,null,"SINALOA",5,3,null,null,null,null,null,null,null,5,0.89441382185372176,45693.81333086294,null,null,null,null,null,"20-100",1936.2048985447832,null,"4E T","4E T 16",1201,95013,"1,2,3,5,6,7,8"]
[null,25,11743.666100529965,13504.828869442292,null,null,null,null,null,null,null,null,null,"SONORA",7,4,null,null,null,null,null,null,null,6,1,51088,null,null,"COSTO COBERTURA EXTRANJERO",null,null,null,null,null,"5E T","5E T 16",1201,95014,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,null,null,null,2318.2560000000003]
[null,26,12448.286066561763,14409.652403694925,null,null,null,null,null,null,null,null,null,"TABASCO",3,2,null,"RESPUESTA",null,null,null,null,null,7,1,51088,null,null,"REGIÓN","COSTO",null,null,null,null,"6E T","6E T 16",1201,95015,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AY28*1.1","v":2550.0816000000004}]
[null,27,13195.183230555467,15202.183285898145,null,null,null,null,null,null,null,null,null,"TAMAULIPAS",7,4,null,"SI",null,null,null,null,null,8,1.2135809903191439,62000,null,null,"SI",0.42399999999999999,null,null,null,null,"7E T","7E T 16",1201,95016,"1,2,3,5,6,7,8"]
[null,28,13854.942392083243,15962.292450193054,null,null,null,null,null,null,null,null,null,"TLAXCALA",1,1,null,"NO",null,null,null,null,null,9,1.2135809903191439,62000,null,null,"NO",0,null,null,null,null,"8E T","8E T 16",1201,95017,"1,2,3,5,6,7,8"]
[null,29,14547.689511687406,16760.407072702707,null,null,null,null,null,null,null,null,null,"VERACRUZ",3,2,null,null,null,null,null,null,null,10,"-","-",null,null,null,null,null,null,null,null,"9E T","9E T 16",1201,95018,"1,2,3,5,6,7,8"]
[null,30,15142.269493565476,17694.211354584218,null,null,null,null,null,null,null,null,null,"YUCATAN",1,1,null,null,null,null,null,null,null,"BASE",51088,null,null,null,"ELIMINACION DE DEDUCIBLE",null,null,null,null,null,"10E ","10E T 16",1201,95019,"1,2,3,5,6,7,8",null,null,null,null,null,null,null,null,null,null,null,null,null,"ENFERMEDADES GRAVES"]
[null,31,15899.38296824375,18578.921922313431,null,null,null,null,null,null,null,null,null,"ZACATECAS",5,3,null,"Derecho de póliza",800,null,null,null,null,null,null,null,null,null,"REGIÓN",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10000,116.76]
[null,32,16773.849031497157,19507.868018429101,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SI",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20000,{"$f":"ROUND(BA35/$BA$34*$BB$34,2)","v":233.52}]
[null,33,17612.541483072015,20483.261419350558,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tipo de póliza",null,null,null,null,null,null,null,null,null,null,"NO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30000,{"$f":"ROUND(BA36/$BA$34*$BB$34,2)","v":350.28}]
[null,34,18493.168557225617,21507.424490318088,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nueva",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,40000,{"$f":"ROUND(BA37/$BA$34*$BB$34,2)","v":467.04}]
[null,35,19417.826985086896,22475.258592382401,null,null,null,null,null,null,null,null,null,null,null,null,null,"Renovada",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Opción","Coaseguro","Coaseguro2","Coaseguro3","Coaseguro4",null,null,null,null,null,null,null,null,null,null,null,null,50000,{"$f":"ROUND(BA38/$BA$34*$BB$34,2)","v":583.79999999999995}]
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[]
[null,"Nota: Esta cotización tiene una validez de 15 días apartir de su fecha de elaboración.  La edad limite de aceptación es hasta los 64 años. Incluyen I.V.A. Y derechos de póliza, no incluye recargo por pago fraccionado"]
[]
[]
[null,{"$f":"+IMPRESION!B98","v":"Tarifa Vig: 01 de Marzo 2022"}]

{"sheet":"IMPRESION","index":5,"n_rows":218,"n_cols":11,"rows_kept":218,"cut":false,"hidden":true,"merged":[[11,2,11,10],[96,2,96,9],[8,1,9,10],[91,2,91,10],[94,2,95,10],[85,2,85,3],[83,4,83,6],[68,2,69,6],[68,7,69,7],[68,8,69,8],[68,9,69,9],[68,10,69,10],[81,2,81,3],[83,2,83,3],[74,2,74,6],[59,2,59,10],[97,5,98,10],[75,2,75,6],[76,2,76,6],[77,2,77,6],[64,1,64,10],[70,2,70,6],[71,2,71,6],[72,2,72,6],[73,2,73,6],[66,2,66,10]]}
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2022-02-03"}]
[null,{"$f":"\"Apreciable  \"&COTIZACION!C28","v":"Apreciable  "}]
[]
[null,{"$f":"+\"Agradecemos de antemano su preferencia y esperamos que la presente propuesta de Gastos Médicos \"&COTIZACION!D9&\" cumpla sus expectativas.\"","v":"Agradecemos de antemano su preferencia y esperamos que la presente propuesta de Gastos Médicos FAMILIAR cumpla sus expectativas."}]
[]
[]
[null,null,"CUADRO DE COBERTURAS"]
[null,null,"-","Suma Asegurada",null,null,null,null,{"$f":"COTIZACION!D10","v":100000000},{"$f":"IF(I13<>\"SIN LÍMITE\",\"M.N.\",\"\")","v":"M.N."}]
[null,null,"-","Tipo de Deducible por Accidente y Enfermedad",null,null,null,null,{"$f":"COTIZACION!D11","v":"POR PADECIMIENTO"}]
[null,null,"-","Deducible por Accidente y Enfermedad",null,null,null,null,{"$f":"COTIZACION!D12","v":12000},"M.N."]
[null,null,"-","Coaseguro por Accidente y Enfermedad",null,null,null,null,{"$f":"COTIZACION!D13","v":"10% CON TOPE DE $35,000"}]
[null,null,"-","Tipo de Hospital",null,null,null,null,{"$f":"+COTIZACION!D8","v":"T+"}]
[null,null,"-","Incremento al Catálogo",null,null,null,null,{"$f":"COTIZACION!D22","v":0}]
[null,null,"-","Base de Honorarios Quirúrgicos",null,null,null,null,{"$f":"IF(COTIZACION!D22=0,VLOOKUP(VLOOKUP(COTIZACION!D14,FACTORES!$N$2:$O$34,2,0),FACTORES!$X$22:$Z$32,3,0),(VLOOKUP(VLOOKUP(COTIZACION!D14,FACTORES!$N$2:$O$34,2,0),FACTORES!$X$22:$Z$32,3,0)*(1+COTIZACION!D22)))","v":62000}]
[null,null,"-","Honorarios por visita intrahospitalaria",null,null,null,null,"Catálogo"]
[null,null,"-","Honorarios por consulta",null,null,null,null,"Catálogo"]
[null,null,"-","Honorarios por enfermera máximo 3 turnos por día durante 30 días",null,null,null,null,"Catálogo"]
[null,null,"-","Habitación Hospital",null,null,null,null,"Privado Estándar"]
[null,null,"-","Sala de operación y recuperación, medicamentos, consumo de oxígeno,"]
[null,null,null,"servicios de terapia, tratamiento de diálisis y transfusiones de sangre",null,null,null,null,"Incluido"]
[null,null,"-","Renta de aparatos ortopédicos y prótesis",null,null,null,null,"Incluido"]
[null,null,"-","Ambulancia Aérea",null,null,null,null,"Incluida"]
[null,null,"-","Ambulancia Terrestre",null,null,null,null,"Incluida"]
[null,null,"-","Gastos por donación de organos ",null,null,null,null,100000,"M.N."]
[null,null,"-","Renta diaria por hospitalización en un Centro de Asistencia Social máximo 30 días",null,null,null,null,{"$f":"IF(I12<0,\"Excluido\",300)","v":300},"M.N."]
[null,null,"-","Gastos por Parto o Cesárea del Titular, Cónyuge o hija asegurada con periodo de"]
[null,null,null,"espera de 10 meses sin deducible, ni coaseguro",null,null,null,null,{"$f":"IF(COTIZACION!D12>45000,\"$20,000\",IF(COTIZACION!$D$17=\"NO\",\"$20,000\",COTIZACION!$D$17))","v":"$20,000"},{"$f":"IF(I32=\"Excluido\",\"\",\"M.N.\")","v":"M.N."}]
[null,null,"-","Complicaciones del Embarazo y del Parto del Titular, Cónyuge o hija asegurada, "]
[null,null,null,"con periodo  de espera de 10 meses, con deducible y coaseguro",null,null,null,null,"Incluido"]
[null,null,"-","Prematurez siempre que el nacimiento ocurra después de 10 meses de"]
[null,null,null,"alta de la madre",null,null,null,null,"Suma Asegurada Básica"]
[null,null,"-","Preexistencia Declarada, con periodo de espera de 2 años, no aplica reconocimiento"]
[null,null,null,"de antigüedad",null,null,null,null,"De acuerdo a Condiciones Generales"]
[null,null,"-","Circuncisión, con periodo de espera de 1 año, no aplica reconocimiento de antigüedad",null,null,null,null,"Incluida"]
[null,null,"-","Padecimientos congénitos para nacidos dentro de la vigencia, dados de alta dentro"]
[null,null,null,"de los 30 días posteriores al nacimiento y que la madre asegurada cumpla con el"]
[null,null,null,"periodo de espera de 10 meses. Para los nacidos fuera de vigencia aplica periodo de"]
[null,null,null,"espera de 12 meses.",null,null,null,null,"Incluido"]
[null,null,"-","Legrado",null,null,null,null,10000,"M.N."]
[null,null,"-","SIDA, siempre que el asegurado se encuentre cubierto en Seguros Banorte al"]
[null,null,null,"menos 4 años ininterrumpidos",null,null,null,null,"Incluido"]
[null,null,"-","Terapia Psicológica o Psiquiátrica",null,null,null,null,"Incluido"]
[null,null,"-","Xifósis, lordósis y escoleosis, con periodo de espera de 2 años"]
[null,null,null,"no aplica reconocimiento de antigüedad",null,null,null,null,"Incluido"]
[null,null,"-","Reconocimiento de Antigüedad, previa comprobación",null,null,null,null,"Incluido"]
[null,null,"-","Incremento de Catálogo de Honorarios para enfermedades catastróficas",null,null,null,null,"Incluido"]
[null,null,"-","Trastornos Visuales, con periodo de espera de 18 meses",null,null,null,null,12000,"M.N."]
[null,null,"-","Lente intraocular, con periodo de espera de 12 meses",null,null,null,null,3000,"M.N."]
[null,null,"-","Emergencia Extranjero con suma asegurada de 50,000 Dlls, deducible de 50 Dlls y coaseguro 0%",null,null,null,null,"Incluido"]
[null,null,"-","Cobertura Integral Dental y Visión (operado por Dentegra)",null,null,null,null,"Incluido"]
[null,null,"-","Cobertura de Reducción de Deducible por Accidente (con tope de $50,000)",null,null,null,null,"Incluido"]
[null,null,"-","Servicios de Asistencia (operado por México Asistencias y Montolin)",null,null,null,null,"Incluido"]
[]
[]
[null,null,"COBERTURAS ADICIONALES"]
[null,null,"-Cobertura Total en el Extranjero coaseguro 20%",null,null,null,null,null,{"$f":"IF(FACTORES!AN3<>0,\"Incluido\",\"Excluido\")","v":"Excluido"}]
[null,null,"-Cobertura de Indemnización por Enfermedad Grave",null,null,null,null,null,{"$f":"IF(OR(COTIZACION!D19=\"NO\",SUM(COTIZACION!A28:A35)<=0),\"Excluido\",COTIZACION!D19)","v":"Excluido"},{"$f":"IF(I62=\"EXCLUIDO\",\"\",\"M.N.\")","v":""}]
[null,null,"-Cobertura de Visión Incremental",null,null,null,null,null,{"$f":"IF(COTIZACION!D18=\"SI\",\"Incluido\",\"Excluido\")","v":"Excluido"}]
[]
[null,"Se cobrará doble deducible y coaseguro de póliza, a los Asegurados que se atiendan en Hospiten México S.A de C.V (Cancún Quintana Roo)"]
[]
[null,null,"PARTICIPANTES"]
[]
[null,null,"Nombre",null,null,null,null,"Edad","Sexo","Parentesco","Prima Neta \nAnual"]
[]
[{"$f":"IF(AND(H71<>\"\",H71>69),1,0)","v":0},null,{"$f":"IF(COTIZACION!C28=\"\",\"\",COTIZACION!C28)","v":""},null,null,null,null,{"$f":"IF(OR(COTIZACION!E28=\"\",COTIZACION!D28=\"\"),\"\",COTIZACION!E28)","v":49},{"$f":"IF(OR(COTIZACION!D28=\"\",COTIZACION!E28=\"\"),\"\",COTIZACION!D28)","v":"HOMBRE"},{"$f":"IF(I71=\"\",\"\",COTIZACION!B28)","v":"Titular"},{"$f":"IF(COTIZACION!E7=\"ok\",IF(COTIZACION!$F$28<>\"\",0,FACTORES!AO3),\"COTIZACION NO VALIDA\")","v":38859.619994641682}]
[0,null,{"$f":"IF(OR(COTIZACION!C29=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!C29)","v":""},null,null,null,null,{"$f":"IF(OR(COTIZACION!E29=\"\",COTIZACION!D29=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!E29)","v":""},{"$f":"IF(OR(COTIZACION!D29=\"\",COTIZACION!E29=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!D29)","v":""},{"$f":"IF(I72=\"\",\"\",COTIZACION!B29)","v":""},{"$f":"IF(COTIZACION!E7=\"ok\",IF(COTIZACION!$F$28<>\"\",0,FACTORES!AO4),\"COTIZACION NO VALIDA\")","v":""}]
[0,null,{"$f":"IF(OR(COTIZACION!C30=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!C30)","v":""},null,null,null,null,{"$f":"IF(OR(COTIZACION!E30=\"\",COTIZACION!D30=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!E30)","v":""},{"$f":"IF(OR(COTIZACION!D30=\"\",COTIZACION!E30=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!D30)","v":""},{"$f":"IF(I73=\"\",\"\",COTIZACION!B30)","v":""},{"$f":"IF(COTIZACION!$F$28<>\"\",0,FACTORES!AO5)","v":""}]
[0,null,{"$f":"IF(OR(COTIZACION!C31=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!C31)","v":""},null,null,null,null,{"$f":"IF(OR(COTIZACION!E31=\"\",COTIZACION!D31=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!E31)","v":""},{"$f":"IF(OR(COTIZACION!D31=\"\",COTIZACION!E31=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!D31)","v":""},{"$f":"IF(I74=\"\",\"\",COTIZACION!B31)","v":""},{"$f":"IF(COTIZACION!$F$28<>\"\",0,FACTORES!AO6)","v":""}]
[0,null,{"$f":"IF(OR(COTIZACION!C32=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!C32)","v":""},null,null,null,null,{"$f":"IF(OR(COTIZACION!E32=\"\",COTIZACION!D32=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!E32)","v":""},{"$f":"IF(OR(COTIZACION!D32=\"\",COTIZACION!E32=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!D32)","v":""},{"$f":"IF(I75=\"\",\"\",COTIZACION!B32)","v":""},{"$f":"IF(COTIZACION!$F$28<>\"\",0,FACTORES!AO7)","v":""}]
[0,null,{"$f":"IF(OR(COTIZACION!C33=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!C33)","v":""},null,null,null,null,{"$f":"IF(OR(COTIZACION!E33=\"\",COTIZACION!D33=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!E33)","v":""},{"$f":"IF(OR(COTIZACION!D33=\"\",COTIZACION!E33=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!D33)","v":""},{"$f":"IF(I76=\"\",\"\",COTIZACION!B33)","v":""},{"$f":"IF(COTIZACION!$F$28<>\"\",0,FACTORES!AO8)","v":""}]
[0,null,{"$f":"IF(OR(COTIZACION!C34=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!C34)","v":""},null,null,null,null,{"$f":"IF(OR(COTIZACION!E34=\"\",COTIZACION!D34=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!E34)","v":""},{"$f":"IF(OR(COTIZACION!D34=\"\",COTIZACION!E34=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!D34)","v":""},{"$f":"IF(I77=\"\",\"\",COTIZACION!B34)","v":""},{"$f":"IF(COTIZACION!$F$28<>\"\",0,FACTORES!AO9)","v":""}]
[0,null,{"$f":"IF(OR(COTIZACION!C35=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!C35)","v":""},null,null,null,null,{"$f":"IF(OR(COTIZACION!E35=\"\",COTIZACION!D35=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!E35)","v":""},{"$f":"IF(OR(COTIZACION!D35=\"\",COTIZACION!E35=\"\",COTIZACION!$D$9=\"INDIVIDUAL\"),\"\",COTIZACION!D35)","v":""},{"$f":"IF(I78=\"\",\"\",COTIZACION!B35)","v":""},{"$f":"IF(COTIZACION!$F$28<>\"\",0,FACTORES!AO10)","v":""}]
[null,null,null,null,null,null,null,null,"Prima Neta Total Anual",null,{"$f":"IF(OR(K71=\"Edad no Permitida\",K72=\"Edad no Permitida\",K73=\"Edad no Permitida\",K74=\"Edad no Permitida\",K75=\"Edad no Permitida\",K76=\"Edad no Permitida\",K77=\"Edad no Permitida\",K78=\"Edad no Permitida\"),0,IF(IMPRESION!A97=0,SUM(K71:K78),0))","v":38859.619994641682}]
[null,null,null,null,null,null,null,null,"Derecho de Póliza",null,{"$f":"IF(K79=0,0,FACTORES!$S$34)","v":800}]
[null,null,null,null,null,null,null,null,"Subtotal",null,{"$f":"+K79+K80","v":39659.619994641682}]
[null,null,"Región de tarifa",null,{"$f":"COTIZACION!D14","v":"CIUDAD DE MÉXICO"},null,null,null,"I.V.A.",null,{"$f":"+K81*COTIZACION!$D$24","v":6345.5391991426695}]
[null,null,null,null,null,null,null,null,"Prima Total Anual",null,{"$f":"SUM(K81:K82)","v":46005.159193784348}]
[null,null,"Agente",null,{"$f":"IF(COTIZACION!C40=\"\",\"\",COTIZACION!C40)","v":""}]
[]
[null,null,"Forma de Pago",null,"Primer Recibo","Recibos Subsecuentes","Total"]
[null,null,{"$f":"+COTIZACION!G28","v":"ANUAL"},null,{"$f":"IF(COTIZACION!F28<>\"\",0,K83)","v":46005.159193784348},0,{"$f":"+F87+E87","v":46005.159193784348}]
[null,null,{"$f":"\"SEMESTRAL    (Recargo \"&COTIZACION!H37*100&\"%)\"","v":"SEMESTRAL    (Recargo 4.73%)"},null,{"$f":"IF(COTIZACION!F28<>\"\",0,IF((IMPRESION!K79*RSEM/2+DER)*(1+COTIZACION!$D$24)<1000,0,(IMPRESION!K79*RSEM/2+DER)*(1+COTIZACION!$D$24)))","v":24532.654411825173},{"$f":"IF(E88=0,0,(IMPRESION!K79*RSEM/2)*(1+COTIZACION!$D$24))","v":23604.654411825173},{"$f":"F88+E88","v":48137.308823650346}]
[null,null,{"$f":"\"TRIMESTRAL  (Recargo \"&COTIZACION!H38*100&\"%)\"","v":"TRIMESTRAL  (Recargo 6.99%)"},null,{"$f":"IF(COTIZACION!F28<>\"\",0,IF((IMPRESION!K79*RTRIM/4+DER)*(1+COTIZACION!$D$24)<1000,0,(IMPRESION!K79*RTRIM/4+DER)*(1+COTIZACION!$D$24)))","v":12985.013155357468},{"$f":"(IF(E89=0,0,(IMPRESION!K79*RTRIM/4)*(1+COTIZACION!$D$24)))","v":12057.013155357468},{"$f":"+E89+F89*3","v":49156.052621429873}]
[null,null,{"$f":"\"MENSUAL        (Recargo \"&COTIZACION!H39*100&\"%)\"","v":"MENSUAL        (Recargo 9.99%)"},null,{"$f":"IF(COTIZACION!F28<>\"\",0,IF((IMPRESION!K79*RMES/12+DER)*(1+COTIZACION!$D$24)<1000,0,(IMPRESION!K79*RMES/12+DER)*(1+COTIZACION!$D$24)))","v":5059.6972831036173},{"$f":"(IF(E90=0,0,(IMPRESION!K79*RMES/12)*(1+COTIZACION!$D$24)))","v":4131.6972831036173},{"$f":"+E90+F90*11","v":50508.367397243412}]
[]
[null,null,"Notas:"]
[null,null,"*Este producto cuenta con exclusiones y limitaciones, las cuales pueden ser consultadas en las Condiciones Generales del producto en la página"]
[null,null,"   www.segurosbanorte.com.mx"]
[null,null,"* Esta cotización tiene una validez de 15 días a partir de su fecha de elaboración. La edad limite de aceptación es hasta los 64 años.\n* El recargo por pago fraccionado está sujeto a cambio sin previo aviso."]
[]
[null,null,"* La edad de contratación de la cobertura de enfermedades graves es de 18 a 59 años."]
[null,"Tarifa Vig: 01 de Marzo 2022",null,null,null,{"$f":"IF(COTIZACION!D7=\"RENOVADA\",\"ESTA COTIZACIÓN ES SOLO VALIDA PARA RENOVACIONES\",\" \")","v":" "}]
[null,"Cotizador Vig: 01 de marzo 2022 a 28 de Febrero 2023"]
[null,{"$f":"VLOOKUP(FACTORES!$AN$14,FACTORES!$AI$14:$AM$37,3,FALSE)&\"/\"&VLOOKUP(FACTORES!$AN$14,FACTORES!$AI$14:$AM$37,4,FALSE)&\"/\"&VLOOKUP(FACTORES!$AN$14,FACTORES!$AI$14:$AM$37,5,FALSE)","v":"1200/95007/1,2,3,5,6,7,8"}]
[]
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[]
["FP"]
[{"$f":"IF(#REF!=\"ANUAL\",1,IF(#REF!=\"SEMESTRAL\",2,IF(#REF!=\"TRIMESTRAL\",4,IF(#REF!=\"MENSUAL\",12,1))))","v":{"$error":"#REF!"}}]
[]
["IVA"]
[0.1]
[0.15]

{"sheet":"IMPRESION_2","index":6,"n_rows":34,"n_cols":11,"rows_kept":34,"cut":false,"hidden":true,"merged":[[24,2,24,10],[8,1,9,10],[11,2,11,10],[12,2,12,10],[23,2,23,10]]}
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2022-02-03"}]
[null,{"$f":"\"Apreciable  \"&COTIZACION!C28","v":"Apreciable  "}]
[]
[null,"A continuación le presentamos aplicación de Copago y Coaseguro en caso de siniestro"]
[]
[]
[null,null,"COPAGO EN CASO DE SINIESTRO"]
[null,null,"El copago del asegurado en caso de siniestro es:"]
[]
[null,null,"-","En Red Preferente, nivel hospitalario contratado o menor y misma zona o menor",null,null,null,null,"Sin Copago"]
[null,null,"-","En Red Preferente, nivel Hospitalario contratado o menor y zona mayor a la contratada",null,null,null,null,5000,"M.N."]
[null,null,"-","En Red Preferente, nivel Hospitalario mayor al contratado y misma zona o menor",null,null,null,null,5000,"M.N."]
[null,null,"-","En Red Preferente, nivel Hospitalario mayor al contratado y zona mayor a la contratada",null,null,null,null,10000,"M.N."]
[null,null,"-","Fuera de Red Preferente, nivel Hospitalario contratado o menor y misma zona o menor",null,null,null,null,5000,"M.N."]
[null,null,"-","Fuera de Red Preferente, nivel Hospitalario contratado o menor y zona mayor a la contratada",null,null,null,null,10000,"M.N."]
[null,null,"-","Fuera de Red Preferente, nivel Hospitalario mayor al contratado y misma zona o menor",null,null,null,null,10000,"M.N."]
[null,null,"-","Fuera de Red Preferente, nivel Hospitalario mayor al contratado y zona mayor a la contratada",null,null,null,null,20000,"M.N."]
[]
[null,null,"APLICACIÓN DE COASEGURO EN CASO DE SINIESTRO"]
[null,null,"El coaseguro contratado funciona para la red Hospitalaria Preferente contratada en caso de salir de esta aplica:"]
[]
[null,null,"-","Hospitales Red Preferente nivel Hospitalario contratado o menor y misma zona o menor",null,null,null,null,{"$f":"COTIZACION!$D$13","v":"10% CON TOPE DE $35,000"}]
[null,null,"-","Hospitales Red Preferente nivel Hospitalario contratado o menor y zona mayor a la contratada.",null,null,null,null,{"$f":"VLOOKUP($I$27,FACTORES!$AK$38:$AN$41,2,0)","v":"15% CON TOPE DE $45,000"}]
[null,null,"-","Hospitales Red Preferente nivel Hospitalario mayor al contratado y misma zona o menor.",null,null,null,null,{"$f":"VLOOKUP($I$27,FACTORES!$AK$38:$AN$41,2,0)","v":"15% CON TOPE DE $45,000"}]
[null,null,"-","Fuera de Red Preferente, nivel Hospitalario contratado o menor y misma zona o menor.",null,null,null,null,{"$f":"VLOOKUP($I$27,FACTORES!$AK$38:$AN$41,2,0)","v":"15% CON TOPE DE $45,000"}]
[null,null,"-","Hospitales Red Preferente nivel Hospitalario mayor al  contratado y zona mayor.",null,null,null,null,{"$f":"VLOOKUP($I$27,FACTORES!$AK$38:$AN$41,3,0)","v":"20% CON TOPE DE $60,000"}]
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[null,93,353211.28,315716.38,null,93,395596.63360000006,353602.34560000006,null,93,474715.96032000007,424322.81472000008,null,93,454936.12864000001,406642.69744000002]
[null,94,373378.54,332725.27,null,94,418183.96480000002,372652.30240000004,null,94,501820.75776000001,447182.76288000005,null,94,480911.55952000001,428550.14776000002]
[null,95,394697.29,350650.5,null,95,442060.96480000002,392728.56000000006,null,95,530473.15775999997,471274.27200000006,null,95,508370.10952,451637.84400000004]
[null,96,417233.27,369541.43,null,96,467301.26240000007,413886.40160000004,null,96,560761.51488000003,496663.68192,null,96,537396.45176000008,475969.36184000003]
[null,97,441055.98,389450.09,null,97,493982.69760000001,436184.10080000007,null,97,592779.23711999995,523420.92096000008,null,97,568080.10223999992,501611.71592000005]
[null,98,466238.89,410431.3,null,98,522187.55680000008,459683.05600000004,null,98,626625.06816000002,551619.66720000003,null,98,600515.69032000005,528635.51439999999]
[null,99,492859.67,432542.86,null,99,552002.83039999998,484448.00320000004,null,99,662403.39648,581337.60384,null,99,634803.25495999993,557115.20368000004]
[null,100,492859.67,432542.86,null,100,552002.83039999998,484448.00320000004,null,100,662403.39648,581337.60384,null,100,634803.25495999993,557115.20368000004]

{"sheet":"CAMBIOS","index":8,"n_rows":54,"n_cols":8,"rows_kept":54,"cut":false,"hidden":true,"merged":[]}
["CAMBIOS MEDICO TOTAL"]
[]
["HOJA FACTORES (TABLAS DE CALCULO)"]
["Tabla de Deducible"]
["Tabla de Eliminación de Deducible por Accidente"]
["Nueva Tabla de parto y cesárea"]
["Tabla de Enfermedades Graves"]
["Tabla de Tarifas"]
["Se agrega tabla de Base de honorarios"]
["Se modifica tabla de factores por región a quedar 4"]
[]
["HOJA TITULAR DEL COTIZADOR (CALCULO TARIFA)"]
["Modificación de costos cobertura Adicionales (dental, PAQ_ADIC, ASIST_IKE, CVISION)"]
["Se elimina la cobertura de Educasystem (maestro a domicilio)"]
["Se agrega costo por cobertura de parto y cesárea (amarrado a la tabla que se encuentra en factores)"]
["Modificación de costo de Derecho de Póliza a 700 pesos"]
[]
["HOJA COTIZACION (COTIZADOR)"]
["Se deja deducible mínimo en 6,000"]
["se modifica Querétaro a zona 4"]
["se modifican la tabla de estados por zona (sólo hay 4 zonas)"]
[]
["HOJA IMPRESIÓN (formato Cotización y Cuadro de especificaciones)",null,null,null,null,null,null,"CUADRO DE ESPECIFICACIONES IMPLICA"]
["Modificación de la cobertura de enfermedades catastróficas",null,null,null,null,null,null,"ü  Cuadro de especificaciones dentro del botón de “Cuadro de Especificaciones” en el paso 2 del cotizador."]
["Se elimina de cuadro de coberturas la cobertura de Servicio de Maestro a Domicilio",null,null,null,null,null,null,"ü  Cuadro de especificaciones dentro de la cotización. "]
["Se MODIFICA en el cuadro de coberturas la Cobertura de Dental para agregar Visión (REVISAR LAS AYUDAS PARA ESPECIFICAR ALCANCES Y EVITAR CONFUSION CON LA OPCIONAL)",null,null,null,null,null,null,"ü  Cuadro de especificaciones dentro del kit de impresión de la póliza.  "]
["Modificación de base de honorarios quirúrgicos y fórmula para calcularlo",null,null,null,null,null,null,"ü  Cuadro de especificaciones en el botón “Cuadro de Especificaciones” del Tarifario."]
["Modificación de la leyenda de beneficio por pago directo y una leyenda en NOTAS",null,null,null,null,null,null,"ü  Cuadro de especificaciones generado dentro del Tarifario."]
[null,null,null,null,null,null,null,"ü  Cuadro de especificaciones dentro de renovaciones Aviso de Renovación de Póliza"]
["MODULOS A IMPACTAR EN ESPACIO"]
["Tarifa de Línea"]
["Tarifa de Empleados"]
["Tarifario"]
["Renovación"]
[]
["CAMBIO EN NUMERO DE REGISTRO"]
["Solicitud "]
["Carátula"]
["Cuadro de Especificaciones"]
[]
["SABE"]
["Aplicar los cambios en la integración"]
["Considerar la nueva cobertura adicional para cobertura de parto y cesárea (adicional 17)"]
["No integrar la cobertura de educasystem (maestro a domicilio)"]
[]
["MODIFICACION EN CARTAS"]
["Cartas de Bienvenida"]
["Carta de Aviso de Renovación"]
["Carta de Renovación"]
[]
["MODIFICACION DE FORMATOS, TAMAÑO DE LETRA Y FORMATOS"]
["Solicitud"]
["carátula"]
["cuadro de especificaciones."]