Our most innovative and
comprehensive plan for all
your health needs


Our most innovative and comprehensive plan for all your health needs


Option IOption IIOption IIIOption IVOption VOption VIOption VII
Outside USAUS$500US$1,000US$2,000US$5,000US$10,000US$20,000US$50,000**
Inside USAUS$1,000US$2,000US$3,000US$5,000US$10,000US$20,000US$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.

**Excludes Venezuela.


Maximum coverage per person, per Policy YearUnlimited
Age limit to apply 75
Waiting Period30 days
Geographical coverageWorldwide without restrictions of Doctors and Hospitals
Standard Private Hospital Room100% UCR
Special benefit for SuiteUp to US$3,000 per day within the “USA Special Network”
Intensive care unit100% UCR
Adult companion accommodation (related to a hospitalization of a child under age 18)100% UCR
Adult companion accommodation (related to a hospitalization of an insured 18 years and older)100% UCR, max. of 21 nights
Prescribed Medications while in a Hospital100% UCR
Emergency room 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 acupunctureUS$6,000
Nurse care at home 100% UCR
Preventive Health Checkup, per Insured, no Deductible (options I, II, III, IV, V & VI)• US$300 per visit, up to 6 visits from 0 to 12 months of ages
• 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 (per Lifetime)US$3,000
Specialized treatments (occupational therapist, speech therapist, sleep apnea and other sleep disorders)US$4,000
Alzheimer’s100% UCR
Autism• 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 treatment100% UCR
Surgeon and anesthesiologist fees 100%
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)100%
Cancer tests, medication and treatment (chemotherapy and/or radiotherapy)100%
Surgery to reduce the risk of cancer or prophylactic surgery (per lifetime) US$30,000 (after a 12-month waiting period)
Prostheses and medical appliances implanted during surgery 100%
Organ transplant (per organ/tissue, per lifetime)US$3,000,000
Benefits for live donorsUS$80,000
Durable medical equipment 100%
Physical therapy and rehabilitation 100%
Congenital conditions diagnosed before age 18 (per lifetime) US$2,000,000
Congenital conditions diagnosed after age 18 100%
HIV-AIDS (per lifetime)US$1,000,000 (after a 24-month waiting period)
Bariatric surgery (per lifetime)US$15,000 (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders100% (after a 24-month waiting period)
Maternity (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"
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 (options I, II & III)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)
Emergency transportation by ground ambulance100%, no deductible applies
Emergency transportation by air ambulance 100%, no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulanceUS$2,000 per person
Repatriation of mortal remains100%
Hazardous hobbies and professional sports 100%
Emergency dental coverage 100% for the first 180 days
Refractive eye surgery (per lifetime)US$500 per eye (after a 24-month waiting period)
Palliative care for terminal cases 100%
Temporary coverage for accidents while application is being underwritten US$50,000
Free extended coverage for eligible dependents after policyholder’s death 2 years
Free coverage for dependents (options I & II) Up to 10 years old, max. of 2 children born in the policy from a covered maternity
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)
Second Medical Opinion VIPAccess to the medical opinion of internationally renowned experts from around the world regarding a condition, without deductible