Universal VIP Choice is a complete plan with an annual coverage of US$5 million and free choice of medical providers worldwide. Enjoy extensive coverage for inpatient and outpatient procedures, maternity, organ and tissue transplant, HIV/AIDS, 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.

Lifetime coverage
  • Unlimited
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 hospital room
  • 100% UCR
Special benefit for suite
  • Up to US$2,000 per day within the “USA Special Network”
Intensive care unit
  • 100% UCR
Companion during hospitalization
  • US$350 per night, max. 30 nights
Prescribed medications while in a hospital
  • 100% UCR
Emergency room
  • 100% UCR
Physician and specialist visits
  • 100% UCR
Physician and specialist home visits
  • 100% UCR
Prescription medication following a hospitalization or outpatient surgery
  • 100% UCR up to 6 months
Outpatient or non-hospitalization prescription medication
  • 100% UCR, max. US$3,500 per policy year
Complementary therapy: chiropractor, psychiatrist, speech therapy, osteopathy, acupuncture, inpatient mental health treatment, psychology and/or mental health prescription medicaion
  • US$6,000, all therapies combined
Nurse care at home
  • 100% UCR
Preventive health checkup, per insured, no deductible (after a 3-month waiting period)
  • Options I & II:
  • 100% UCR from 0 to 6 months of age, up to 5 visits
  • US$300 per policy year from 6 months to 17 years of age
  • US$600 per policy year from 18 years of age and older
  • Options III & IV:
  • US$300 per policy year for all ages
Hearing aids (per lifetime)
  • US$2,000
Specialized treatments (autism, sleep apnea and other sleep disorders)
  • US$3,000
  • US$10,000
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$25,000 (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$1,100,000
Benefits for live donors
  • US$60,000
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$700,000 (after a 24-month waiting period)
Bariatric surgery (per lifetime)
  • US$10,000 (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders
  • 100% UCR (after a 24-month waiting period)
MATERNITY BENEFITS (10-month waiting period)
  • Option I: US$8,500, no deductible applies
  • Option II: US$8,500, after deductible
Extraction and storage of stem cells (option I)
  • US$1,000 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
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$1,000 per person
Repatriation of mortal remains
  • 100% UCR
Non-professional hazardous hobbies and sports
  • 100% UCR
Professional sports
  • US$250,000
Emergency dental coverage
  • 100% UCR for the first 180 days
Palliative care for terminal cases
  • 100% UCR
Temporary coverage for accidents while application is being underwritten
  • US$30,000
Free extended coverage for eligible dependents after policyholder’s death
  • 2 years
Free coverage for dependents (option I)
  • Up to 5 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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