Health Plan

Effective July 2018

OPTIMUM VIP CHOICE

DESCRIPTION COVERAGE
Lifetime coverage
  • Unlimited
Maximum coverage per person, per policy year
  • US$1,000,000
Age limit to apply
  • 75
Waiting period
  • 30 days
Coverage outside USA
  • 100% UCR with free choice of hospitals and doctors
Coverage inside USA
  • 100% UCR through the ‘USA Special Network’
  • Outside the ‘USA Special Network’ the 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% UCR up to the benefits limits
COVERED CONDITIONS

Neurological diseases (including cerebrovascular accidents)

  • US$150,000 per policy year
Cardiac surgery for revascularization and angioplasty
  • US$150,000 per policy year
Cancer (chemotherapy, radiotherapy, surgery for tumor and reconstructive surgery)
  • US$200,000 per police year
Polytrauma (including rehabilitation)
  • US$200,000 per policy year
Chronic kidney failure (dialysis or hemodialyisis)
  • US$150,000 per policy year
Severe burns (including reconstructive surgery)
  • US$300,000 per policy year
Septicemia
  • US$150,000 per policy year
Organ and tissue transplant (per lifetime)
  • US$500,000 per insured
Benefits for live donors
  • US$50,000
INPATIENT BENEFITS
Intensive care unit
  • 100% UCR
Companion accommodation 
  • 100% UCR, max. of 21 nights
Prescribed medications while in a hospital
  • 100% UCR for covered conditions
OUTPATIENT BENEFITS
Physicians and specialist visits
  • 100% UCR for covered conditions
Physicians and specialist home visits
  • 100% UCR for covered conditions
Prescription medication
  • US$5,000 for covered conditions
Nurse care at home
  • US$7,000 for covered conditions
GENERAL BENEFITS
Surgeon and anesthesiologist fees
  • 100% UCR for covered conditions
Diagnostic study services (laboratory tests,  biopsies, X-rays, MRI/CT/PET scans)
  • 100% UCR for covered conditions

Cancer tests, medication and treatment

  • 100% UCR for covered conditions
Durable medical equipment
  • US$7,000 per policy year for covered conditions
Physical therapy and rehabilitation
  • US$7,000 per policy year for covered conditions
Congenital conditions diagnosed before age 18 (per lifetime)
  • 10% UCR of the benefit for covered conditions
Congenital conditions diagnosed after age 18 (per lifetime)
  • 50% UCR of the benefit for covered conditions
MEDICAL EVACUATION BENEFITS
Emergency transportation by ground ambulance 
  • 100% for covered conditions, without deductible
Emergency transportation by air ambulance 
  • US$30,000 for covered conditions, without deductible
Repatriation of mortal remains
  • US$10,000
OTHER BENEFITS
Hazardous hobbies and sports (non-professional, per lifetime)
  • US$100,000 for polytraumas or severe burns
Palliative care for terminal cases
  • 100% UCR for covered conditions
Temporary coverage for polytrauma while application is being underwritten
  • US$30,000
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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