Direct VIP is a unique plan that covers hospitalization and inpatient treatments, intensive care unit, physician fees, and air and ground ambulance, along with some of the main outpatient treatments such as chemotherapy, dialysis, pre-admission consultations and exams, preventive check-ups and more.

*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 Conditions of Coverage of the policy.

Maximum coverage per person, per policy year
  • US$5,000,000
Age limit to apply
  • 75
Waiting period
  • 30 days
Geographical coverage
  • Worldwide without restrictions of doctors and hospitals
Standard private/semi-private hospital room
  • 100%
  • Outside of ‘USA Special Network’: US$2,000 per day
Special benefit for suite
  • Up to US$2,000 per day within the “USA Special Network”
Intensive care unit
  • 100%
  • Outside of ‘USA Special Network’: US$4,000 per day
Emergency room
  • 100% (if admitted immediately as an inpatient)
Surgeon and anesthesiologist fees
  • 100%
Adult companion accommodation (related to a hospitalization of a child under age 18)
  • US$175 per night, max. 30 nights
Prescribed medications while in a hospital
  • 100%
Prescribed medications following a hospitalization or outpatient surgery
  • 100% for up to 6 months after discharge, max. US$3,500 per policy year
  • 100%
Laboratory tests and X-rays
  • 100%
Cancer treatment (chemotherapy and radiotherapy)
  • 100%
Physician and specialist visits
  • 100%
Physical therapy and rehabilitation
  • 100% (during a hospitalization)
Prostheses and medical appliances implanted during surgery
  • 100%
Organ transplant (per organ/tissue, per lifetime)
  • US$1,100,000
Benefits for live organ donors
  • US$60,000
  • US$50,000 (if admitted as an inpatient and after a 12-month waiting period)
Bariatric surgery (per lifetime)
  • US$10,000 (after a 24-month waiting period)
Cancer tests, medication and treatment
  • 100%
Diagnostic study services (pathology, X-rays, MRI/CT/PET scans, etc.) Pre-surgical testing only. Pre-authorization required
  • US$15,000
  • 100%
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%
Preventive health checkup per insured, no deductible (after a 10-month waiting period)
  • Options I & II:
  • US$150 up to 17 years old
  • US$350 at 18 years and older
  • Options III & IV:
  • US$100, all ages
Durable medical equipment
  • 100% (as follow-up care to a covered hospitalization)
Emergency dental coverage
  • 100% for the first 180 days
Emergency transportation by ground ambulance
  • 100%, no deductible applies (if admitted immediately as an inpatient)
Emergency transportation by air ambulance
  • 100%, no deductible applies
Nurse care at home
  • 100% (as follow-up care to a covered hospitalization)
Palliative care for terminal cases
  • 100%
Repatriation of mortal remains
  • US$25,000
Temporary coverage for accidents while application is being underwritten
  • US$30,000
Non-professional hazardous hobbies and sports
  • 100% 
Deductible elimination/reduction for no claims made
  • Elimination for 1 year after the 3rd year without claims (options I & II)
  • Reduction of up to 50% for 1 year after the 3rd year without claims (options III & IV)
Second Medical Opinion VIP
  • Access to the medical opinion of internationally renowned experts from around the world regarding a condition, without deductible

Effective July 2017

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