Health Plan

Effective July 2019


Maximum coverage per person, per policy year
  • Unlimited
Age limit to apply
  •  75
Waiting period
  • 30 days
Geographical coverage
  • Worldwide without restrictions of doctors and hospitals
Standard private hospital room
  • 100%
Special benefit for suite
  • Up to US$3,000 per day within the “USA Special Network”
Intensive care unit
  • 100%
Adult companion accommodation (related to a hospitalization of a child under age 18)
  • 100%
Adult companion accommodation (related to a hospitalization of an insured 18 years and older)
  • 100%, max. of 21 nights
Prescribed medications while in a hospital
  • 100%


Emergency room
  • 100%
Physician and specialist visits
  • 100%
Physician and specialist home visits
  • 100%
Prescription medication
  • 100%
Complementary therapy: chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture
  • US$6,000
Nurse care at home
  • 100%
Preventive health checkup, per insured, no deductible (options I, II, III, IV, V & VI)
  • US$300 per visit, up to 6 visits from 0 to 12 months of age
  • US$500 from 12 months of age and older including up to US$75 for preventive dental checkup in options I, II & III

This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures, human papilloma virus (HPV) test and/or vaccinations

Hearing aids (per lifetime)
  • US$3,000
Specialized treatments (occupational therapist, speech therapist, sleep
apnea and other sleep disorders)
  • US$4,000
  • 100%
  • 100% if the insured was born in the policy under a covered maternity
  • US$10,000 for insureds not born under a covered maternity who developed the condition while they were insured
Allergy treatment
  • 100%
GENERAL BENEFITS (The following benefits offer the same coverage for both inpatient and outpatient procedures)
Surgeon and anesthesiologist fees
  • 100%
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)
  • 100%
Cancer tests, medication and treatment (chemotherapy and/or radiotherapy)
  • 100%
Surgery to reduce the risk of cancer or prophylactic surgery (per lifetime)
  • US$30,000 (after a 12-month waiting period)
  • 100%
Prostheses and medical appliances implanted during surgery
  • 100%
Organ transplant (per organ/tissue, per lifetime)
  • US$3,000,000
Benefits for live donors
  • US$80,000
Durable medical equipment
  • 100%
Physical therapy and rehabilitation
  • 100%
Congenital conditions diagnosed before age 18 (per lifetime)
  • US$2,000,000
Congenital conditions diagnosed after age 18
  • 100%
HIV-AIDS (per lifetime)
  • US$1,000,000 (after a 24-month waiting period)
Bariatic surgery (per lifetime)
  • US$15,000 (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders
  • 100% (after a 24-month waiting period)
MATERNITY BENEFITS (10-month waiting period, no deductible applies)
Maternity (options I, II & III)
  • 100% normal delivery in a hospital within the “Special Maternity Network”
  • US$8,000 for normal delivery in hospitals outside the “Special Maternity Network”
  • US$10,000 for cesarean delivery whether or not the hospital is within the “Special Maternity Network”
Extraction and storage of stem cells (options I, II & III)
  • US$2,000 per covered pregnancy
Maternity and newborn complications (options I, II & III)
  • US$1,000,000 (per lifetime)
Inclusion of the newborn (options I, II & III)
  • Without underwriting if born from a covered maternity
Fertility treatment (per lifetime) (options I & II)
  • US$5,000 after deductible (after a 24-month waiting period)
Emergency transportation by ground ambulance
  • 100%, no deductible applies
Emergency transportation by air ambulance
  • 100%, no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
  • US$2,000 per person
Repatriation of mortal remains
  • 100%
Hazardous hobbies and professional sports
  • 100%
Emergency dental coverage
  • 100% for the first 180 days
Palliative care for terminal cases
  • 100%
Temporary coverage for accidents while application is being underwritten
  • US$50,000
Free extended coverage for eligible dependents after policyholder’s death
  • 2 years
Free coverage for dependents (options I & II)
  • Up to 10 years old, max. of 2 children born in the policy from a covered maternity
Refractive eye surgery (per lifetime)
  • US$500 per eye (after a 24-month waiting period)
Deductible elimination / reduction for no claims made
  • Elimination for 1 year, after the 3rd year without claims (options I, II, III & IV)
  • Reduction of up to 50% for 1 year after the 3rd year without claims (options V & VI)
Second Medical Opinion VIP
  • Access to the medical opinion of internationally renowned experts from around the world regarding a condition, without deductible

All benefits with 100% coverage are up to the policy limit.

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