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 V
Inside USAUS$2,000US$5,000US$10,000US$20,000US$50,000
Outside USAUS$2,000US$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


Maximum coverage per person, per policy yearUS$2,000,000
Age limit to applyUp to 75 years old
Waiting period30 days
Coverage outside USA100% UCR with free choice of hospitals and doctors
Coverage inside USA• 100% UCR within 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
Standard hospital room100% UCR
Use of intensive care unit100% UCR
Adult companion accommodation expenses of a hospitalized insured under 18 years oldUS$150 per night, max. of 30 nights
Adult companion accommodation expenses of a hospitalized insured over 18 years old100% UCR, max. of 21 nights
Prescribed medications while hospitalized100% UCR
Physical therapy and rehabilitation100% UCR
Emergency room care100% UCR
Physician and specialist visits100% UCR
Physician and specialist home visits (where available)100% UCR
Outpatient prescription medicationUS$5,000
Nurse or therapist care at homeUS$6,000
Preventive health checkup. No deductible applies (options I & II)US$100 for insureds 18 and older (after a 10-month waiting period)
Hearing aidsUS$500 per lifetime
Treatment for Alzheimer’s disease100% UCR
Allergy treatment100% UCR
Physical therapy and rehabilitationUS$6,000

The following benefits offer the same coverage for both inpatient and outpatient procedures.

Surgeon and anesthesiologist fees100% UCR
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)100% UCR
Oncology: tests, treatment (chemotherapy and/or radiotherapy) and medication100% UCR
Dialysis services100% UCR
Prostheses and medical appliances implanted during surgery100% UCR
Organ/tissue transplantUS$300,000 per lifetime
Includes US$25,000 benefit for expenses of the live donor
Durable medical equipmentUS$6,000
Specialized treatments: autism, sleep apnea and other sleep disorders
Specialized therapies: occupational and speech
Congenital and/or hereditary conditions diagnosed before age 18US$125,000 per lifetime
Congenital and/or hereditary conditions diagnosed after age 18100% UCR
Reconstructive surgery after an accident or illnessUp to the benefit limit

10-month waiting period, no deductible applies.

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
Emergency transportation - Ground ambulance100% UCR, no deductible applies
Emergency transportation - Air ambulanceUS$40,000, no deductible applies
Repatriation or cremation of mortal remainsUS$7,000
Treatment for injuries during the training or practice of hazardous hobbies and/or non-professional sports100% UCR
Emergency dental coverage100% UCR for treatment within the first 180 days of the covered accident
Palliative care100% UCR
Temporary coverage for accidents while application is being underwrittenUS$30,000
Elimination/reduction of the policy deductible for no claims during the last 3 yearsOption I:
• Elimination for 1 year after the 3rd year without claims
• 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
Second Medical Opinion VIP®Access to a second medical opinion of renowned experts from around the world, no deductible applies
Travel VIP Light*Up to US$5,000 for emergency medical treatment while traveling abroad

All benefits with 100% coverage are up to the policy limit. Benefits with established coverage will be up to the limits stated in each of them