ACCESS VIP
Is designed as a complementary plan with an annual coverage of US$2 million
ACCESS VIP
Is designed as a complementary plan with an annual coverage of US$2 million
DEDUCTIBLE OPTIONS*
Option I | Option II | Option III | Option IV | Option V |
---|---|---|---|---|
US$2,000 | US$5,000 | US$10,000 | US$20,000 | US$50,000 |
US$2,000 | 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 | US$2,000,000 |
Age limit to apply | Up to 75 years old |
Waiting Period | 30 days |
Coverage outside USA | 100% UCR with free choice of hospitals and doctors |
Coverage inside USA | • 100% UCR through the Access Network® corresponding to the region • Outside the Access 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 |
Description | Coverage |
---|---|
Intensive care unit | 100% 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 hospitalized | 100% UCR |
Physical therapy and rehabilitation | 100% UCR |
Description | Coverage |
---|---|
Emergency room care | 100% UCR |
Physician and specialist visits | 100% UCR |
Physician and specialist home visits | 100% UCR |
Outpatient prescription medication | US$5,000 |
Nurse or therapist care at home | US$6,000 |
Hearing aids | US$500 per lifetime |
Alzheimer’s disease | 100% UCR |
Allergy treatment | 100% UCR |
Physical therapy and rehabilitation | US$6,000 |
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 |
Dialysis services | 100% UCR |
Prostheses and medical appliances implanted during surgery | 100% UCR |
Organ/tissue transplant | US$300,000 per lifetime Includes US$25,000 benefit for expenses of the live donor |
Durable medical equipment | US$6,000 |
Specialized treatments (occupational therapy, speech therapy, autism, sleep apnea and other sleep disorders) | US$1,500 |
Congenital conditions (Diagnosed before age 18) | US$125,000 per lifetime |
Congenital conditions (Diagnosed after age 18) | 100% UCR |
Reconstructive surgery after an accident or illness | Up to the benefit limit |
Description | Coverage |
---|---|
Maternity (option I) | US$3,000, no deductible applies |
Maternity and newborn complications (option I) | US$125,000 |
Inclusion of the newborn within 90 days after the birth (option I) | Without underwriting, if born from a covered maternity and the newborn is not the result of a fertility treatment |
Description | Coverage |
---|---|
Emergency transportation by ground ambulance | 100% UCR, no deductible applies |
Emergency transportation by air ambulance | US$40,000, no deductible applies |
Repatriation or cremation of mortal remains | US$7,000 |
Description | Coverage |
---|---|
Injuries during the training or practice of hazardous hobbiesand/or non-professional sports | 100% UCR |
Emergency dental coverage | 100% UCR for treatment within the first 180 days of the covered accident |
Palliative care | 100% UCR |
Temporary coverage for accidents while application is being underwritten | US$30,000 |
Deductible elimination/reduction for no claims made | Option I: • Elimination for 1 year, after the 3rd year without claims • Reduction of up to 50% 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 Light | Up 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 |