OPTIMUM VIP CHOICE
Health PlanEffective July 2019
| DESCRIPTION | COVERAGE |
|---|---|
| Lifetime coverage |
|
| Maximum coverage per person, per policy year |
|
| Age limit to apply |
|
| Waiting period |
|
| Coverage outside USA |
|
| Coverage inside USA |
|
| COVERED CONDITIONS | |
|
Neurological diseases (including cerebrovascular accidents) |
|
| Cardiac surgery for revascularization and angioplasty |
|
| Cancer (chemotherapy, radiotherapy, surgery for tumor and reconstructive surgery) |
|
| Polytrauma (including rehabilitation) |
|
| Chronic kidney failure (dialysis or hemodialyisis) |
|
| Severe burns (including reconstructive surgery) |
|
| Septicemia |
|
| Organ and tissue transplant (per lifetime) |
|
| Benefits for live donors |
|
| INPATIENT BENEFITS | |
| Intensive care unit |
|
| Companion accommodation |
|
| Prescribed medications while in a hospital |
|
| OUTPATIENT BENEFITS | |
| Physicians and specialist visits |
|
| Physicians and specialist home visits |
|
| Prescription medication |
|
| Nurse care at home |
|
| GENERAL BENEFITS | |
| Surgeon and anesthesiologist fees |
|
| Diagnostic study services (laboratory tests, biopsies, X-rays, MRI/CT/PET scans) |
|
|
Cancer tests, medication and treatment |
|
| Durable medical equipment |
|
| Physical therapy and rehabilitation |
|
| Congenital conditions diagnosed before age 18 (per lifetime) |
|
| Congenital conditions diagnosed after age 18 (per lifetime) |
|
| MEDICAL EVACUATION BENEFITS | |
| Emergency transportation by ground ambulance |
|
| Emergency transportation by air ambulance |
|
| Repatriation of mortal remains |
|
| OTHER BENEFITS | |
| Hazardous hobbies and sports (non-professional, per lifetime) |
|
| Palliative care for terminal cases |
|
| Temporary coverage for polytrauma while application is being underwritten |
|
| Second Medical Opinion VIP |
|
All benefits with 100% coverage are up to the policy limit.
All content is for informative purposes only. The benefits are governed by the terms described in the Conditions of Coverage of the policy. Unless otherwise stated, the benefits are offered on a per-insured/per-policy year basis in which the chosen deductible applies. All amounts are in US Dollars (USD). The benefits are limited to the medical expenses covered under this policy and are subject to the usual, customary and reasonable expenses (UCR) for the geographic area where the expenses were incurred.
