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 I | Option II | Option III | Option IV | Option V | Option VI |
|---|---|---|---|---|---|
| US$500 | US$2,000 | US$5,000 | US$10,000 | US$20,000 | US$50,000 |
| US$1,000 | 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$5,000,000 |
| Age limit to apply | Up to 75 years old |
| Waiting Period | 30 days |
| Coverage outside USA | 100% 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 |
| Description | Coverage |
|---|---|
| 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 care | 100% UCR (if admitted immediately as an inpatient) |
| Surgeon and anesthesiologist fees | 100% 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 hospitalized | 100% UCR |
| Prescribed medications following a hospitalization or outpatient surgery | 100% UCR for up to 6 months after discharge, max. of US$3,500 per policy year |
| Dialysis services | 100% UCR |
| Laboratory tests and X-rays | 100% UCR |
| Oncology: cancer treatment (chemotherapy and/or radiotherapy) | 100% UCR |
| Physician and specialist visits | 100% UCR |
| Physical therapy and rehabilitation | 100% UCR (during a hospitalization) |
| Prostheses and medical appliances implanted during surgery | 100% UCR |
| Organ transplant (per organ/tissue) | US$1,100,000 per lifetime Includes US$60,000 benefit for expenses of the live donor |
| HIV/AIDS | US$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) |
| Description | Coverage |
|---|---|
| Emergency room care for an emergency or accident only in Latin America | 100% UCR |
| Oncology: cancer tests, medication and treatment | 100% UCR |
| Diagnostic study services (pathology, X-rays, MRI/CT/PET scans, etc.)Pre-surgical testing only. Pre-authorization required | US$15,000 |
| Dialysis services | 100% UCR |
| Physician visits for pre-hospitalization and as a follow up to a covered hospitalization | US$6,000 for up to 10 months from the date of discharge |
| Outpatient surgery | 100% UCR |
| Physical therapy and rehabilitation | 100% UCR, max. of 60 visits (following a covered hospitalization) |
| Description | Coverage |
|---|---|
| Durable medical equipment | 100% UCR (as follow-up care to a covered hospitalization) |
| Reconstructive surgery after an accident or illness | Up to the benefit limit |
| Emergency dental coverage | 100% UCR for treatment within the first 180 days of the covered accident |
| Emergency transportation by ground ambulance | 100% UCR, no deductible applies (if admitted immediately as an inpatient) |
| Emergency transportation by air ambulance | 100% UCR, no deductible applies |
| Nurse or therapist care at home | 100% UCR (as follow-up care to a covered hospitalization) |
| Palliative care | 100% UCR |
| Repatriation or cremation of mortal remains | US$25,000 |
| Temporary coverage for accidents while application is being underwritten | US$30,000 |
| Injuries during the training or practice of hazardous hobbies and/or non-professional sports | 100% 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 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 |