PRODUCT COMPARISON

BENEFITS Absolute VIP Universal VIP Special VIP
Maximum coverage per person, per policy year Unlimited US$5,000,000 US$2,000,000
Age limit to apply 75 75 75
Waiting period 30 days 30 days 30 days
Coverage outside USA 100% worldwide without restrictions of doctors and hospitals 100% worldwide without restrictions of doctors and hospitals 100% worldwide without restrictions of doctors and hospitals
Coverage inside USA 100% without restrictions of doctors and hospitals 100% without restrictions of doctors and hospitals • 100% through the “USA Special Network”
• Outside the “USA Special Network” the coverage will be at 60% with a maximum daily room rate
of up to US$700 for a standard room and up to US$1,400 for intensive care • Emergency medical treatment will be covered 100% up to the policy limits
INPATIENT BENEFITS Absolute VIP Universal VIP Special VIP
Special benefit for suite Up to US$3,000 per day within the “USA Special Network” Up to US$2,000 per day within the “USA Special Network” N/A
Intensive care unit 100% 100% 100%
Adult companion accommodation (related to a hospitalization of a child under age 18) 100% US$350 per night, max. of 30 nights  US$150 per night, max. of 30 nights
Prescribed medications while in a hospital 100% 100% 100%
OUTPATIENT BENEFITS Absolute VIP Universal VIP Special VIP
Emergency room 100% 100% 100%
Physician and specialist visits 100% 100% 100%
Physician and specialist home visits 100% 100% 100%
Prescription medication 100% 100% US$10,000
Complementary therapy: chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture US$5,000 US$2,500 N/A
Nurse care at home 100% 100% US$10,000
Preventive health checkup, per
insured, no deductible
All options:

• US$300 per visit, up to 6 visits
from 0 to 12 months of age

• US$500 from 12 months of age and older, including up to US$75 for preventive dental checkup in options I, II & III

Options I & II:

• US$150 up to 17 years old

• US$350 at 18 years and older

Options III, IV & V:

• US$100, all ages (after a 10-month waiting period)

Options I & II:

• US$100 up to 17 years old

• US$150 at 18 years and older
(after a 10-month waiting period)

Hearing aids (per lifetime) US$3,000 US$2,000 US$1,000
Specialized treatments
(occupational therapist, sleep apnea and other sleep disorders)
US$4,000 US$3,000 including autism US$2,000 including autism
Alzheimer’s US$20,000 US$10,000 US$5,000
Autism US$10,000 including therapy and medication Included in the Specialized
Treatments benefit
Included in the Specialized
Treatments benefit
GENERAL BENEFITS (The following benefits offer the same coverage for both inpatient and outpatient procedures)  Absolute VIP Universal VIP Special VIP
Surgeon and anesthesiologist fees 100% 100% 100%
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans) 100% 100% 100%
Cancer tests, medication and
treatment (chemotherapy and/or radiotherapy)
100% 100% 100%
Surgery to reduce the risk of cancer or prophylactic surgery (per lifetime) US$30,000 (after a 12-month waiting period) US$25,000 (after a 12-month waiting period) US$20,000 (after a 12-month waiting period)
Dialysis 100% 100% 100%
Prostheses and medical appliances implanted during surgery 100% 100% 100%
Organ transplant (per organ/tissue, per lifetime) US$2,100,000 US$1,100,000 US$500,000 (with rider)
Benefits for live donors (per lifetime) US$80,000 US$60,000 US$30,000 (with rider)
Durable medical equipment 100% 100% US$10,000
Physical therapy and rehabilitation 100% 100% US$10,000
Congenital conditions diagnosed
before age 18 (per lifetime)
US$2,000,000 US$2,000,000 US$500,000
Congenital conditions diagnosed after age 18 100% 100% US$2,000,000 (per lifetime)
HIV-AIDS (per lifetime) US$1,000,000 (after a 24-month waiting period) US$700,000 (after a 24-month
waiting period)
US$250,000 (after a 48-month
waiting period)
Bariatric surgery (per lifetime) US$15,000 (after a 24-month waiting period) US$10,000 (after a 24-month waiting period) US$5,000 (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders 100% (after a 24-month waiting period) 100% (after a 24-month waiting period) 100% (after a 24-month waiting period)
MATERNITY BENEFITS (10-month waiting period, no deductible applies) Absolute VIP Universal VIP Special VIP
Maternity (natural or cesarean
delivery)
Options I, II & III:

• 100% normal
delivery in a hospital within the
“Special Maternity Network”

• US$8,000 for normal delivery in hospitals outside the “Special
Maternity Network”

• US$10,000 for cesarean delivery whether or not the hospital is within the “Special Maternity Network”

Options I, II & III:

• US$8,500 in a hospital within the “Special Maternity Network”

• US$7,000 in a hospital outside the “Special Maternity
Network”

Options I & II:

• US$4,000

• Includes extraction and storage of umbilical cord blood stem cells for 1 year

Extraction and storage of stem cells Options I, II & III:

• US$2,000 per covered pregnancy

Options I & II:

• US$1,000 per covered pregnancy

Options I & II:

• Included in the maternity benefit

Maternity and newborn complications
(per lifetime)
Options I, II & III:

•US$1,000,000

Options I & II:

•US$1,000,000

Option III:

•US$500,000 (with rider, after
deductible)

Options I & II:

•US$500,000 (with rider, after
deductible)

Inclusion of the newborn Options I, II & III:

• Without underwriting if born from a covered maternity

Options I, II & III:

• Without underwriting
if born from a covered maternity

Options I & II:

• Without underwriting
if born from a covered maternity

Fertility treatment (per lifetime) Options I & II:

• US$5,000 after deductible (after a 24-month waiting period)

N/A N/A
MEDICAL EVACUATION BENEFITS Absolute VIP Universal VIP Special VIP
Emergency transportation by ground ambulance 100%, no deductible applies 100%, no deductible applies 100%, no deductible applies
Emergency transportation by air ambulance 100%, no deductible applies 100%, no deductible applies US$60,000, no deductible applies
Insured’s and companion’s return ticket after an evacuation by air
ambulance
US$2,000 per person US$1,000 per person US$500 per person
Repatriation of mortal remains 100% 100% US$20,000
OTHER BENEFITS Absolute VIP Universal VIP Special VIP
Non-professional hazardous hobbies and sports 100% 100% US$250,000
Professional sports 100% US$500,000 N/A
Emergency dental coverage 100% for the first 180 days 100% for the first 180 days 100% for the first 180 days
Palliative care for terminal cases 100% 100% 100%
Temporary coverage for accidents while application is being
underwritten
US$50,000 US$30,000 US$30,000
Free extended coverage for eligible dependents after policyholder’s
death
2 years 2 years 1 year
Free coverage for dependents Options I & II:

• Up to 10 years old, max. of 2
children born in the policy from a covered maternity

Options I & II:

• Up to 5 years old, max. of 2
children born in the policy from a covered maternity

N/A
Deductible elimination/reduction for no claims made • Elimination for 1 year after the 3rd year without claims (options I, II, III & IV) •Reduction of up to 50% for 1 year after the 3rd year without claims (options V & VI) • Elimination for 1 year after the 3rd year without claims (options I, II & III) •Reduction of up to 50% for 1 year after the 3rd year without claims (options IV & V) • Elimination for 1 year after the 3rd year without claims (options I, II & III) •Reduction of up to 50% for 1 year after the 3rd year without claims
(options IV & V)
Second Medical Opinion VIP,
no deductible
Access to the medical opinion of
internationally renowned experts from around the world regarding a condition
Access to the medical opinion of
internationally renowned experts from around the world regarding a condition
Access to the medical opinion of
internationally renowned experts
from around the world regarding a condition

Effective Effective July 2017

 

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