Is designed as a complementary plan with an annual coverage of US$2 million


Is designed as a complementary plan with an annual coverage of US$2 million


Option IOption IIOption IIIOption IVOption VOption VI

*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


Maximum coverage per person, per policy yearUS$2,000,000
Age limit to apply Up to 75 years old
Waiting Period30 days
Coverage outside USA100% UCR with free choice of hospitals and doctors
Coverage inside USA• 100% UCR through the Access Plus Network® corresponding to the region
• Outside the Access Plus 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% UCR up to the policy limits
Intensive care unit100% UCR
Adult companion accommodation (Of a hospitalized insured under 18 years old)US$150 per night, max. of 30 nights
Adult companion accommodation (Of a hospitalized insured over 18 years old)100% UCR, max. of 21 nights
Prescribed medications while hospitalized100% UCR
Physical therapy and rehabilitation100% UCR
Emergency room care100% UCR
Physician and specialist visits 100% UCR
Physician and specialist home visits 100% UCR
Outpatient prescription medicationUS$5,000
Nurse or therapist care at homeUS$6,000
Preventive health checkup, no deductible applies (option I)US$100 for insureds 18 and older (after a 10-month waiting period)
Hearing aidsUS$500 per lifetime
Specialized treatments (occupational therapy, speech therapy, autism,sleep apnea and other sleep disorders)US$1,500
Alzheimer’s disease100% UCR
Allergy treatment100% UCR
Physical therapy and rehabilitationUS$6,000
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 medication100% UCR
Surgery to reduce the risk of cancer or prophylactic surgeryUS$10,000 per lifetime (after a 12-month waiting period)
Dialysis services100% UCR
Prostheses and medical appliances implanted during surgery 100% UCR
Organ/tissue transplantUS$300,000 per lifetime
Includes US$25,000 benefit for expenses of the live donor
Durable medical equipment US$8,000
Congenital conditions (Diagnosed before age 18) US$125,000 per lifetime
Congenital conditions (Diagnosed after age 18)100% UCR
Surgical treatment of symptomatic foot disorders100% UCR (after a 24-month waiting period)
Reconstructive surgery after an accident or illnessUp to the benefit limit
Maternity (option I)US$3,500, no deductible applies
Maternity and newborn complications (option I)US$250,000
Inclusion of the newborn within 90 days after the birth (option I)Without underwriting if born from a covered maternity
Emergency transportation by ground ambulance100% UCR, no deductible applies
Emergency transportation by air ambulance US$40,000, no deductible applies
Repatriation of mortal remainsUS$7,000
Injuries during the training or practice of hazardous hobbies and/or non-professional sports100% UCR
Emergency dental coverage 100% UCR for treatment within the first 180 days of the covered accident
Palliative care for terminal cases 100% UCR
Temporary coverage for accidents while application is being underwritten US$30,000
Deductible elimination/reduction for no claims madeOption I:
• Elimination for 1 year, after the 3rd year without claims (option I)
• 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 II,III & IV
• Reduction of 50% of the deductible for 1 year after the 3rd year without claims
Travel VIP LightUp to US$5,000 for emergency medical treatment abroad (with rider)
Second Medical Opinion VIP®Access to a second medical opinion of renowned experts from around the world, without deductible