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 IOption IIOption IIIOption IVOption VOption VI
Outside USAUS$2,000US$5,000US$10,000US$20,000US$20,000US$50,000
Inside USAUS$2,000US$5,000US$10,000US$20,000US$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

TABLE OF BENEFITS

DescriptionCoverage
Maximum coverage per person, per Policy YearUS$2,000,000
Age limit to apply 75
Waiting Period30 days
Coverage outside USA100% with free choice of hospitals and doctors
Coverage inside USA• 100% 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% up to the policy limits
DescriptionCoverage
Intensive care unit100%
Adult companion accommodation (related to a hospitalization of a child under age 18)US$150 per night, max. of 30 nights
Adult companion accommodation (related to a hospitalization of an insured 18 years and older)100%, max. of 21 nights
Prescribed Medications while in a Hospital100%
DescriptionCoverage
Physician and specialist visits 100%
Physician and specialist home visits 100%
Outpatient prescription medicationUS$5,000
Nurse care at home US$6,000
Hearing aids (per Lifetime)US$500 per lifetime
Specialized treatments (occupational therapist, speech therapist, sleep apnea and other sleep disorders)US$1,500
Alzheimer’s100%
DescriptionCoverage
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%
Dialysis100%
Prostheses and medical appliances implanted during surgery 100%
Organ transplant (per organ/tissue, per lifetime)US$300,000
Benefits for live donorsUS$25,000
Durable medical equipment US$6,000
Physical therapy and rehabilitation US$6,000
Congenital conditions diagnosed before age 18 (per lifetime) US$125,000
Congenital conditions diagnosed after age 18 100%
DescriptionCoverage
Maternity (option I)US$3,000, no deductible applies
Maternity and newborn complications (option I)US$125,000
Inclusion of the newborn (option I)Without underwriting if born from a covered maternity
DescriptionCoverage
Emergency transportation by ground ambulance100%, no deductible applies
Emergency transportation by air ambulance US$40,000, no deductible applies
Repatriation of mortal remainsUS$7,000
DescriptionCoverage
Hazardous hobbies and professional sports 100%
Emergency dental coverage 100% for the first 180 days
Palliative care for terminal cases 100%
Temporary coverage for accidents while application is being underwritten US$30,000
Deductible elimination/reduction for no claims made• Elimination for 1 year, after the 3rd year without claims (option I)
• Reduction of up to 50% for 1 year after the 3rd year without claims (options II,III & IV)
Second Medical Opinion VIPAccess to the medical opinion of internationally renowned experts from around the world regarding a condition, without deductible