ABSOLUTE VIP
Our most innovative and
comprehensive plan for all
your health needs
ABSOLUTE VIP
Our most innovative and comprehensive plan for all your health needs
DEDUCTIBLE OPTIONS*
| Option I | Option II | Option III | Option IV | Option V | Option VI | Option VII | |
|---|---|---|---|---|---|---|---|
| US$500 | US$1,000 | US$2,000 | US$5,000 | US$10,000 | US$20,000 | US$50,000 | |
| US$1,000 | US$2,000 | US$3,000 | US$5,000 | US$10,000 | US$20,000 | US$50,000 |
*Only one deductible per person, per policy year applies. For family policies, a maximum of two deductibles accumulated per policy, per policy year will be applied. For more information, please refer to the policy’s Conditions of Coverage.
TABLE OF BENEFITS
| Description | Coverage |
|---|---|
| Maximum coverage per person, per policy year | Unilimited |
| Age to apply | Up to 75 years old |
| Waiting Period | 30 days |
| Geographical coverage | Worldwide without restrictions of doctors and hospitals |
| Description | Coverage |
|---|---|
| Standard private hospital room | 100% UCR |
| Special benefit for suite accommodation (subject to availability) | Up to US$3,000 per day within the USA Special Network® |
| Intensive care unit | 100% UCR |
| Adult companion accommodation expenses (Of a hospitalized insured under 18 years old) | 100% UCR, unlimited nights |
| Adult companion accommodation expenses (Of a hospitalized insured over 18 years old) | 100% UCR, max. of 21 nights |
| Prescribed medications while hospitalized | 100% UCR |
| Description | Coverage |
|---|---|
| Emergency room care | 100% UCR |
| Physician and specialist visits | 100% UCR |
| Physician and specialist home visits | 100% UCR |
| Prescription medication | 100% UCR |
| Complementary therapy: chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture | US$6,000 |
| Nurse or therapist care at home | 100% UCR |
| Preventive health checkup, per insured, no deductible applies (options I, II, III, IV, V & VI) | • US$300 per visit, up to 6 visits, for insureds from 0 to 12 months of age • Up to US$500 from 12 months of age and older, including up to US$75 for preventive dental checkup in options I, II & III |
| Hearing aids | US$3,000 per lifetime |
| Alzheimer’s disease | 100% UCR |
| Autism treatment | • 100% UCR if the insured was born in the policy under a covered maternity • US$10,000 for insureds not born under a covered maternity who developed the condition while they were insured |
| Allergy treatment | 100% UCR |
| Description | Coverage |
|---|---|
| Surgeon and anesthesiologist fees | 100% UCR |
| Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans) | 100% UCR |
| Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication | 100% UCR |
| Surgery to reduce the risk of cancer or prophylactic surgery | US$30,000 per lifetime (after a 12-month waiting period) |
| Dialysis services | 100% UCR |
| Prostheses and medical appliances implanted during surgery | 100% UCR |
| Organ transplant (per organ/tissue) | US$3,000,000 per lifetime Includes US$80,000 benefit for expenses of the live donor |
| Durable medical equipment | 100% UCR |
| Specialized treatments (occupational therapy, speech therapy, sleep apnea and other sleep disorders) | US$5,000 |
| Physical therapy and rehabilitation | 100% UCR |
| Congenital conditions diagnosed before age 18 | US$2,000,000 per lifetime |
| Congenital conditions diagnosed after age 18 | 100% UCR |
| HIV-AIDS | US$1,000,000 per lifetime (after a 24-month waiting period) |
| Bariatric surgery | US$15,000 per lifetime (after a 24-month waiting period) |
| Surgical treatment of symptomatic foot disorders | 100% UCR (after a 24-month waiting period) |
| Reconstructive surgery after an accident or illness | Up to the benefit limit |
| Description | Coverage |
|---|---|
| Maternity (options I, II & III) | • 100% UCR normal delivery in a hospital within the Special Maternity Network® • US$8,000 for normal delivery in a hospital outside the Special Maternity Network® • US$10,000 for cesarean delivery inside or outside the Special Maternity Network® 10-month waiting period, no deductible applies. |
| Extraction and storage of stem cells (options I, II & III) | US$2,000 per covered pregnancy |
| Maternity and newborn complications (options I, II & III) | US$1,000,000 (per lifetime) |
| Inclusion of the newborn within 90 days after the birth (options I, II & III) | Without underwriting, if born from a covered maternity and the newborn is not the result of a fertility treatment |
| Free coverage for dependents up to 10 years old (options I & II) | • Max. of 2 children born from a covered maternity
(options I & II only), if both parents are insured in the policy • Max. of 1 child born from a covered maternity (options I & II only), if only the mother is insured in the policy |
| Fertility treatment (options I & II) | US$5,000 per lifetime, after deductible (after a 24-month waiting period) |
| Description | Coverage |
|---|---|
| Emergency transportation by ground ambulance | 100% UCR, no deductible applies |
| Emergency transportation by air ambulance | 100% UCR, no deductible applies |
| Cost of return ticket for the insured and one companion after an evacuation by air ambulance | US$2,000 per person |
| Repatriation or cremation of mortal remains | 100% UCR |
| Description | Coverage |
|---|---|
| Injuries during the training or practice of hazardous hobbies and/orprofessional sports | 100% UCR |
| Emergency dental coverage | 100% UCR for treatment within the first 180 days of the covered accident |
| Refractive eye surgery | US$500 per eye, per lifetime (after a 24-month waiting period) |
| Palliative care | 100% UCR |
| Temporary coverage for accidents while application is being underwritten | US$30,000 |
| Free extended coverage for eligible dependents after policyholder’s death | 2 years |
| Deductible elimination/reduction for no claims for 3 years | Options I, II, III & IV: • Elimination for 1 year, after the 3rd year without claims • Reduction of 50% of the deductible for 1 year after the 3rd year, if the deductible was not met in any of the years Options V & VI • Reduction of 50% of the deductible for 1 year after the 3rd year without claims |
| Travel VIP Light | Up to US$5,000 for emergency medical treatment while traveling abroad (with rider) |
| Second Medical Opinion VIP® | Access to a second medical opinion of renowed experts from around the world, without deductible |