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
 HOSPITALIZATION BENEFITS Absolute VIP Universal VIP Special VIP
Coverage outside the United States 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 the United States 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 US$700 for a standard room. Emergency medical treatment will be covered 100% up to the policy limits.
Intensive care unit 100% 100% 100% through the ‘USA Special Network’. Outside the ‘USA Special Network’ the coverage will be at 60% with a maximum daily room rate of US$1,400
Special benefit for suite when the insured selects a hospital from the ‘USA Special Network’  Up to US$3,000 (daily) Up to US$2,000 (daily) N/A
Adult companion accommodation
(related to a hospitalization of a child under the age of 18)
100% US$350 per night, max. 30 nights US$150 per night, max. 30 nights
Surgeon and anesthesiologist fees 100% 100% 100%
Prescribed medications while in a hospital 100% 100% 100%
Laboratory tests and X-rays 100% 100% 100%
Cancer treatment (chemotherapy and radiotherapy) 100% 100% 100%
Surgery to reduce the risk of cancer or prophylactic surgery (per lifetime) US$30,000 US$25,000 US$20,000
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 per lifetime (with rider)
Benefits for live donors (per lifetime) US$80,000 US$60,000 US$30,000 (with rider)
OUTPATIENT SERVICES  Absolute VIP Universal VIP Special VIP
Emergency room 100% 100% 100%
Physicians and specialists visits 100% 100% 100%
Outpatient prescription medication 100% 100% US$7,500
Cancer tests, medication and treatment 100% 100% 100%
Diagnostic services (pathology, X-rays, MRI/CT/PET scans, etc.) 100% 100% 100%
Dialysis 100% 100% 100%
Physical therapy and rehabilitation 100% 100% US$10,000
Nurse care at home 100% 100% US$7,000
Durable medical equipment 100% 100% US$7,000
Hearing aids (per lifetime) US$3,000 US$2,000 US$1,000
OTHER BENEFITS Absolute VIP Universal VIP Special VIP
Emergency transportation by air ambulance (no deductible applies) 100% 100% US$60,000
Insured’s and companion’s return ticket to the place where the insured was evacuated from via air ambulance US$2,000 (per person) US$1,000 (per person) US$500 (per person)
Emergency transportation by ground ambulance (no deductible applies) 100% 100% 100%
Congenital conditions diagnosed before the age of 18 US$2,000,000 (per lifetime) US$1,000,000 (per lifetime) US$300,000 (per lifetime)
Congenital conditions diagnosed after the age of 18 100% 100% US$1,000,000 (per lifetime)
Non-professional hazardous hobbies and sports 100% 100% US$250,000 (per policy year)
Professional sports 100% US$250,000 N/A
Emergency dental coverage 100% (for the first 180 days) 100% (for the first 90 days) 100% (for the first 90 days)
Preventive health checkup per insured (no deductible applies) Options I & II:
US$300 up to 6 visits from 0 to 12 months of age
US$400 from 12 months of age and older
Options I & II:
US$150 up to 17 years old
US$350 at 18 years and older (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)
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)
Sexually transmitted diseases and its complications (except HPV and genital herpes) 100% 100% 100%
Repatriation of mortal remains 100% 100% US$20,000
Palliative care for terminal cases 100% 100% 100%
Complementary therapy: chiropractor, psychologist, psychiatrist 100% up to 20 visits Max. US$100 per visit, up to 20 visits N/A
Specialized treatments: autism, Alzheimer’s, sleep apnea and other sleep disorders (per policy year) US$4,000 US$3,000 US$2,000
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 Up to 10 years old, max. 2 children per policy Up to 5 years old, max. 2 children born in the policy N/A
Deductible elimination / reduction for no claims made Options I, II & III:
Elimination for 1 year after the 3rd year without claims
Options IV, V & VI:
Reduction of up to US$3,000 for 1 year after the 3rd year without claims
Options I & II:
Elimination for 1 year after the 3rd year without claims
Options III, IV & V:
Reduction of up to US$2,000 for 1 year after the 3rd year without claims
Options I & II:
Elimination for 1 year after the 3rd year without claims
Options III, IV & V:
Reduction of up to US$2,000 for 1 year after the 3rd year without claims
Second Medical Opinion VIP (without deductible) Access to a network of more than 50,000 world renowned experts who will review your medical case and provide you recommendations about your diagnosis and treatment plan Access to a network of more than 50,000 world renowned experts who will review your medical case and provide you recommendations about your diagnosis and treatment plan Access to a network of more than 50,000 world renowned experts who will review your medical case and provide you recommendations about your diagnosis and treatment plan
Surgical treatment of symptomatic foot disorders 100% (after a 24-month waiting period) 100% (after a 24-month waiting period) US$10,000 (after a 24-month waiting period)
Bariatric surgery (per lifetime) US$15,000 (after a 24-month waiting period within special network) US$10,000 (after a 24-month waiting period within special network) N/A
MATERNITY BENEFITS
(10-MONTH WAITING PERIOD, NO DEDUCTIBLE)
Absolute VIP Universal VIP Special VIP
Maternity (natural or cesarean deliveries) 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 hospitals within the Special Maternity Network.

US$7,000 in hospitals outside the Special Maternity Network.

Options I & II:
US$4,000
Maternity and newborn complications Options I, II & III:
US$1,000,000 (per lifetime)Options IV, V & VI:
US$500,000 (with rider, with application of deductible)
Options I & II:
US$1,000,000 (per lifetime)Options III, IV & V:
US$500,000 (with rider, with application of deductible)
US$500,000 (with rider, with application of deductible)
Extraction and store of stem cells Options I, II & III:
US$2,000 per covered pregnancy, no deductible applies
N/A N/A

Effective July 2015

 

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