OPTIMUM VIP

Offers protection for specific chronic conditions up to
US$1 million annually.

OPTIMUM VIP

Offers protection for specific chronic conditions up to US$1 million annually.

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption VOption VI
Outside USAUS$500US$2,000US$5,000US$10,000US$20,000US$50,000
Inside USAUS$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$1,000,000
Age limit to apply 75
Waiting Period30 days
Coverage outside USA100% worldwide without restrictions of doctors and hospitals
Coverage inside USA• 100% through the "USA special network"
• Outside the "USA special network 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
Neurological diseases (including cerebrovascular accidents)US$150,000
Cardiac surgery for revascularization and angioplastyUS$150,000
Cancer (chemotherapy, radiotherapy, surgery for tumor and reconstructive surgery)US$200,000
Polytrauma (including rehabilitation)US$200,000
Chronic kidney failure (dialysis or hemodialysis)US$150,000
Severe burns (including reconstructive surgery)US$300,000
SepticemiaUS$150,000
DescriptionCoverage
Intensive care unit100%
Adult companion accommodation (related to a hospitalization of a child under age 18)US$100 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% for covered conditions
DescriptionCoverage
Physician and specialist visits 100% for covered conditions
Physician and specialist home visits 100% for covered conditions
Prescription Medication US$5,000 for covered conditions
Nurse care at home US$7,000 for covered conditions
DescriptionCoverage
Surgeon and anesthesiologist fees 100% for covered conditions
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)100% for covered conditions
Cancer tests, medication and treatment (chemotherapy and/or radiotherapy)100% for covered conditions
Durable medical equipment US$7,000 for covered conditions
Physical therapy and rehabilitation US$7,000 for covered conditions
Congenital conditions diagnosed before age 18 (per lifetime) 10% of the benefit for covered conditions
Congenital conditions diagnosed after age 18 50% of the benefit for covered conditions
DescriptionCoverage
Emergency transportation by ground ambulance100%, for covered conditions, without deductible
Emergency transportation by air ambulance 100%, for covered conditions, without deductible
Repatriation of mortal remainsUS$10,000
DescriptionCoverage
Hazardous hobbies and professional sports US$100,000 for polytrauma or severe burns
Palliative care for terminal cases 100% for covered conditions
Temporary coverage for accidents while application is being underwritten US$30,000
Second Medical Opinion VIPAccess to the medical opinion of internationally renowned experts from around the world regarding a condition, without deductible