Absolute VIP Choice is our most innovative and comprehensive plan for all your health needs, giving you unlimited coverage, free choice of doctors and hospitals worldwide and superior benefits for maternity, organ and tissue transplant, cáncer treatment, bariatric surgery, preventive health 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.

Lifetime coverage
  • Unlimited
Maximum coverage per person, per policy pear
  • Unlimited
Age limit to apply
  • 75
Waiting period
  • 30 days
Geographical coverage
  • Worldwide without restrictions of doctors and hospitals
Standard private hospital room
  • 100% UCR
Special benefit for suite
  • Up to US$3,000 per day within the “USA Special Network”
Intensive care unit
  • 100% UCR
Companion during hospitalization
  • US$500 per night, max. of  30 nights
Prescribed medications while in a hospital and following a hospitalization or outpatient surgery
  • 100% UCR
Inpatient mental health treatment
  • US$10,000
Emergency room
  • 100% UCR
Physician and specialist visits
  • 100% UCR
Physician and specialist home visits
  • 100% UCR
Outpatient or non-hospitalization prescription medication
  • 100% UCR
Complementary therapy: chiropractor, psychiatrist, speech therapy, osteopathy and/or acupuncture
  • 100% UCR up to 100 visits, all therapies combined
Nurse care at home
  • 100% UCR
Preventive health check-up, per insured, no deductible (all options)
  • 100% UCR from 0 to 6 months of age, up to 6 visits
  • US$600 per policy year from 6 months to 17 years of age, including up to US$75 for preventive dental checkup in options I & II
  • US$800 per policy year from 18 years of age and older, including up to US$75 for preventive dental checkup in options I & II
Hearing aids (per lifetime)
  • US$3,000
Specialized treatments (autism, sleep apnea and other sleep disorders)
  • US$4,000
  • US$20,000
GENERAL BENEFITS (The following benefits offer the same coverage for both inpatient and outpatient procedures)
Emergency medical services
  • 100% UCR
Surgeon and anesthesiologist fees
  • 100% UCR
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)
  • 100% UCR
Cancer tests, medication and treatment (chemotherapy and/or radiotherapy)
  • 100% UCR
Surgery to reduce the risk of cancer or prophylactic surgery (per lifetime)
  • US$30,000 (after a 12-month waiting period)
  • 100% UCR
Prostheses and medical appliances implanted during surgery
  • 100% UCR
Organ transplant (per organ/tissue, per lifetime)
  • US$2,100,000
Benefits for live donors
  • US$80,000
Durable medical equipment
  • 100% UCR
Physical therapy and rehabilitation
  • 100% UCR
Congenital conditions diagnosed before age 18 (per lifetime)
  • US$2,000,000
Congenital conditions diagnosed after age 18
  • 100% UCR
HIV-AIDS (per lifetime)
  • US$1,000,000 (after a 24-month waiting period)
Bariatric surgery (per lifetime)
  • US$15,000 (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders
  • 100% UCR (after a 24-month waiting period)
  • US$5,000
Mental health prescription medication (inpatient and/or outpatient)
  • US$5,000
MATERNITY BENEFITS (10-month waiting period, no deductible applies)
  • Option I: US$10,000, no deductible applies
  • Option II: US$10,000, after deductible
Extraction and storage of stem cells (option I)
  • US$2,000 per covered pregnancy
Maternity and newborn complications (per lifetime)
  • Option I: US$1,000,000, no deductible applies
  • Option II: US$500,000, after deductible (with rider)
Inclusion of the newborn (options I & II)
  • Without underwriting if born from a covered maternity
Fertility treatment (per lifetime) (option I)
  • US$5,000, after deductible (after a 24-month waiting period)
Emergency transportation by ground ambulance
  • 100% UCR, no deductible applies
Emergency transportation by air ambulance
  • 100% UCR, 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% UCR
Hazardous hobbies and professional sports
  • 100% UCR
Emergency dental coverage
  • 100% UCR for the first 180 days
Refractive eye surgery (per lifetime)
  • US$500 per eye (after a 24-month waiting period)
Palliative care for terminal cases
  • 100% UCR
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 (option I)
  • Up to 10 years old, max. of 2 children born in the policy from a covered maternity
Deductible elimination/reduction for no claims made
  • Elimination for 1 policy year after the end of  the 3rd year without claims (option I & II)
  • Reduction of up to 50% for 1 policy year after the end of 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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