Direct VIP Choice 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.

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/semi-private hospital room
  • 100% UCR
  • 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% UCR
  • Outside of ‘USA Special Network’: US$4,000 per day
Emergency room
  • 100% UCR (if admitted immediately as an inpatient)
Surgeon and anesthesiologist fees
  • 100% UCR
Companion during hospitalization
  • US$175 per night, max. 30 nights
Prescribed medications while in a hospital
  • 100% UCR
Prescribed medications following a hospitalization or outpatient surgery
  • 100% UCR for up to 6 months after discharge, max. US$3,500 per policy year
Dialysis / hemodialysis
  • 100% UCR
Laboratory tests and X-rays
  • 100% UCR
Cancer treatment (chemotherapy and radiotherapy)
  • 100% UCR
Physicians and specialist visits
  • 100% UCR
Physical therapy and rehabilitation
  • 100% UCR (during a hospitalization)
Prostheses and medical appliances implanted during surgery
  • 100% UCR
Organ transplant (per organ/tissue, per lifetime)
  • US$1,100,000
Benefits for live organ donors
  • US$60,000
  • US$50,000 per policy year (only 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% UCR
Diagnostic study services (pathology, X-rays, MRI/CT/PET scans, etc). Pre-surgical testing only. Pre-authorization required
  • US$15,000 per policy year
Dialysis / hemodialysis
  • 100% UCR
Physician visit as a follow up to a covered hospitalization
  • US$6,000 per policy year, up to 10 months from the date of discharge
Outpatient surgery
  • 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
Durable medical equipment
  • 100% UCR (as follow-up care to a covered hospitalization)
Emergency dental coverage
  • 100% UCR for the first 180 days
Emergency transportation by air ambulance
  • 100% UCR, no deductible
Emergency transportation by ground ambulance
  • 100% UCR, no deductible (if admitted immediately as an inpatient)
Nurse care at home
  • 100% UCR (as follow-up care to a covered hospitalization)
Palliative care for terminal cases
  • 100% UCR
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% UCR
Deductible elimination/reduction for no claims made
  • Elimination for 1 policy year after the end of the 3rd year without claims (options 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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