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 |