DIRECT VIP

Offers an annual coverage of US$5 million for hospitalization and essential outpatient treatments.

DIRECT VIP

Offers an annual coverage of US$5 million for hospitalization and essential outpatient treatments.

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption VOption VI
US$500US$2,000US$5,000US$10,000US$20,000US$50,000
US$1,000US$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.

TABLE OF BENEFITS

DescriptionCoverage
Maximum coverage per person, per policy yearUS$5,000,000
Age limit to applyUp to 75 years old
Waiting Period30 days
Coverage outside USA100% UCR with free choice of doctors and hospitals
Coverage inside USA• 100% UCR within the USA Special Network®
• Outside the USA Special Network® the coverage will be up to US$2,000 per day for a standard room and up to US$4,000 per day for intensive care
• Emergency medical treatment will be covered at 100% UCR up to the policy limits
DescriptionCoverage
Standard private/semi-private hospital room • 100% UCR
• Outside of the USA Special Network®: US$2,000 per day
Special benefit for suite accommodation (subject to availability)Up to US$2,000 per day within the USA Special Network®
Intensive care unit• 100% UCR
• Outside of the USA Special Network®: US$4,000 per day
Emergency room care100% UCR (if admitted immediately as an inpatient)
Surgeon and anesthesiologist fees100% UCR
Adult companion accommodation (Of a hospitalized insured under 18 years old) US$175 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
Prescribed medications following a hospitalization or outpatient surgery100% UCR for up to 6 months after discharge, max. of US$3,500 per policy year
Dialysis services100% UCR
Laboratory tests and X-rays100% UCR
Oncology: cancer treatment (chemotherapy and/or radiotherapy)100% UCR
Physician and specialist visits100% UCR
Physical therapy and rehabilitation100% UCR (during a hospitalization)
Prostheses and medical appliances implanted during surgery100% UCR
Organ transplant (per organ/tissue)US$1,100,000 per lifetime
Includes US$60,000 benefit for expenses of the live donor
HIV/AIDSUS$50,000 (if admitted as an inpatient and after a 12-month waiting period)
Bariatric surgery US$10,000 per lifetime (after a 24-month waiting period)
DescriptionCoverage
Oncology: cancer tests, medication and treatment100% UCR
Diagnostic study services (pathology, X-rays, MRI/CT/PET scans, etc.)Pre-surgical testing only. Pre-authorization requiredUS$15,000
Dialysis services100% UCR
Physician visits for pre-hospitalization and as a follow up to a covered hospitalizationUS$6,000 for up to 10 months from the date of discharge
Outpatient surgery100% UCR
Physical therapy and rehabilitation100% UCR, max. of 60 visits (following a covered hospitalization)
DescriptionCoverage
Durable medical equipment100% UCR (as follow-up care to a covered hospitalization)
Reconstructive surgery after an accident or illnessUp to the benefit limit
Emergency dental coverage100% UCR for treatment within the first 180 days of the covered accident
Emergency transportation by ground ambulance100% UCR, no deductible applies (if admitted immediately as an inpatient)
Emergency transportation by air ambulance100% UCR, no deductible applies
Nurse or therapist care at home100% UCR (as follow-up care to a covered hospitalization)
Palliative care 100% UCR
Repatriation or cremation of mortal remainsUS$25,000
Temporary coverage for accidents while application is being underwrittenUS$30,000
Injuries during the training or practice of hazardous hobbies and/or non-professional sports100% UCR
Deductible elimination/reduction for no claims made Options I & II:
• 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 III, IV & V:
• 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