PRIME VIP

Offers a wide range of benefits with a lifetime coverage of US$5 million

PRIME VIP

Offers a wide range of benefits with a lifetime coverage of US$5 million

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption V
US$1,500US$3,000US$5,000US$10,000US$20,000
US$1,500US$3,000US$5,000US$10,000US$20,000

*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 policy’s Conditions of Coverage.

TABLE OF BENEFITS

DescriptionCoverage
Maximum coverage per person, per lifetimeUS$5,000,000
Maximum coverage per person, per policy yearUS$1,500,000
Maximum coverage per person, per policy year at 70 years and olderUS$500,000
Age limit to apply Up to 75 years old
Waiting Period60 days
Coinsurance (inside USA)20% of the first US$5,000 after the deductible; 1 per insured, per policy year; max. of 2 per policy, per policy year
Coverage outside USA100% UCR with free choice of hospitals and doctors*
Coverage inside USA• 100% through the Prime Network®
• Outside the Prime Network® , the coverage will be at 60%
• Emergencies will be covered at 100% UCR, up to the policy limits
DescriptionCoverage
Standard private hospital room• 100% UCR within the Prime Network®
• Up to US$500 daily, max. of 180 days outside the Prime Network®
Intensive care unit• 100% UCR within the Prime Network®
• Up to US$1,400 daily, max. of 60 days outside the Prime Network®
Adult companion accommodation expenses of a hospitalized insured under 18 years oldUS$150 per night, max. of 100 nights per policy year
Prescribed medication while hospitalized100% UCR
Inpatient laboratory tests and X-rays 100% UCR
DescriptionCoverage
Emergency room care100% UCR
Physician and specialist visits (including home visits)US$80 per visit, max. of 30 visits
Outpatient surgeryUS$12,000
Prescribed medication following a hospitalization100% UCR for up to 6 months
Outpatient or non-hospitalization prescription medicationUS$3,000
Outpatient diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)US$600 per exam, per insured; max. of US$1,800 per policy year
Nurse or therapist care at homeUS$5,000
Preventive health checkup per insured, no deductible applies (options I & II)US$100 (after a 12-month waiting period)
DescriptionCoverage
Surgeon and anesthesiologist fees 100% UCR
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication100% UCR, max. of US$125,000 per policy year
Dialysis services100% UCR
Prostheses and medical appliances implanted during surgery 100% UCR
Organ transplant (per organ/tissue)US$500,000 per lifetime (with rider)
Includes US$30,000 benefit for expenses of the live donor
Durable medical equipment US$1,000
Physical therapy and rehabilitation US$5,000
Congenital conditions diagnosed before age 18 US$125,000 per lifetime
Congenital conditions diagnosed after age 18 US$500,000 per lifetime
Reconstructive surgery after an accident or illnessUp to the benefit limit
DescriptionCoverage
Maternity (options I, II)US$3,000, no deductible applies
Maternity and newborn complications (options I & II)• US$25,000
• Additional US$25,000 with optional rider
Inclusion of the newborn within 90 days after the birth (options I & II)Without underwriting if born from a covered maternity
DescriptionCoverage
Emergency transportation by ground ambulance100% UCR, no deductible applies
Emergency transportation by air ambulance US$35,000, no deductible applies
Repatriation or cremation of mortal remains100% UCR
DescriptionCoverage
Emergency dental coverage 100% UCR for treatment within the first 30 days of the covered accident, max. of US$6,000 per policy year
Palliative careUS$7,500
Temporary coverage for accidents while application is being underwritten US$30,000
Travel VIP LightUp to US$5,000 for emergency medical treatment abroad (with rider)
Second Medical Opinion VIP®Access to a second medical opinion of renowned experts from around the world, without deductible