Absolute VIP 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, cancer, podiatric treatments, bariatric surgery 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.

Maximum coverage per person, per policy year
  • Unlimited
Age limit to apply
  •  75
Waiting period
  • 30 days
Geographical coverage
  • Worldwide without restrictions of doctors and hospitals
Standard private hospital room
  • 100%
Special benefit for suite
  • Up to US$3,000 per day within the “USA Special Network”
Intensive care unit
  • 100%
Adult companion accommodation (related to a hospitalization of a child under age 18)
  • 100%
Prescribed medications while in a hospital
  • 100%
Emergency room
  • 100%
Physician and specialist visits
  • 100%
Physician and specialist home visits
  • 100%
Prescription medication
  • 100%
Complementary therapy: chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture
  • US$5,000
Nurse care at home
  • 100%
Preventive health checkup, per insured, no deductible (all options)
  • US$300 per visit, up to 6 visits from 0 to 12 months of age
  • US$500 from 12 months of age and older including up to US$75 for preventive dental checkup in options I, II & III
Hearing aids (per lifetime)
  • US$3,000
Specialized treatments (occupational therapist, sleep apnea and other sleep disorders)
  • US$4,000
  • US$20,000
  • US$10,000 including therapy and medication
GENERAL BENEFITS (The following benefits offer the same coverage for both inpatient and outpatient procedures)
Surgeon and anesthesiologist fees
  • 100%
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)
  • 100%
Cancer tests, medication and treatment (chemotherapy and/or radiotherapy)
  • 100%
Surgery to reduce the risk of cancer or prophylactic surgery (per lifetime)
  • US$30,000 (after a 12-month waiting period)
  • 100%
Prostheses and medical appliances implanted during surgery
  • 100%
Organ transplant (per organ/tissue, per lifetime)
  • US$2,100,000
Benefits for live donors
  • US$80,000
Durable medical equipment
  • 100%
Physical therapy and rehabilitation
  • 100%
Congenital conditions diagnosed before age 18 (per lifetime)
  • US$2,000,000
Congenital conditions diagnosed after age 18
  • 100%
HIV-AIDS (per lifetime)
  • US$1,000,000 (after a 24-month waiting period)
Bariatic surgery (per lifetime)
  • US$15,000 (after a 24-month waiting period, within special network)
Surgical treatment of symptomatic foot disorders
  • 100% (after a 24-month waiting period)
Maternity (options I, II & III)
  • 100% normal delivery in a hospital within the “Special Maternity Network”
  • US$8,000 for normal delivery in hospitals outside the “Special Maternity Network”
  • US$10,000 for cesarean delivery whether or not the hospital is within the “Special Maternity Network”
Extraction and storage of stem cells (options I, II & III)
  • US$2,000 per covered pregnancy
Maternity and newborn complications (options I, II & III)
  • US$1,000,000 (per lifetime)
Inclusion of the newborn (options I, II & III)
  • Without underwriting if born from a covered maternity
Fertility treatment (per lifetime) (options I & II)
  • US$5,000 after deductible (after a 24-month waiting period)
Emergency transportation by ground ambulance
  • 100%, no deductible applies
Emergency transportation by air ambulance
  • 100%, 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%
Hazardous hobbies and professional sports
  • 100%
Emergency dental coverage
  • 100% for the first 180 days
Palliative care for terminal cases
  • 100%
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 (options I & II)
  • 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 year, after the 3rd year without claims (options I, II, III & IV)
  • Reduction of up to 50% for 1 year after the 3rd year without claims (options V & VI)
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

**When insured selects a hospital from the ‘USA Special Network’.

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