PRODUCT COMPARISON

BENEFITS Absolute VIP Universal VIP Special VIP
Maximum coverage per person, per policy year Unlimited US$5.000.000 US$3.000.000
Age limit to apply 75 75 75
Waiting period 30 days 30 days 30 days
Coverage outside USA 100% worldwide without restrictions of doctors and hospitals 100% worldwide without restrictions of doctors and hospitals 100% worldwide without restrictions of doctors and hospitals
Coverage inside USA 100% without restrictions of doctors and hospitals 100% without restrictions of doctors and hospitals 100% 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% up to the policy limits
INPATIENT BENEFITS Absolute VIP Universal VIP Special VIP
Special benefit for suite Up to US$3,000 per day within the “USA Special Network” Up to US$2,000 per day within the“USA Special Network” N/A
Intensive care unit 100% 100% 100%
Adult companion accommodation (related to a hospitalization of a child under age 18) 100% US$350 per night, max. of 30 nights US$150 per night, max. of 30 nights
Adult companion accommodation (related to a hospitalization of an insured 18 years and older) 100%, max. of 21 nights 100%, max. of 21 nights 100%, max. of 21 nights
Prescribed medications while in a hospital 100% 100% 100%

 

OUTPATIENT BENEFITS Absolute VIP Universal VIP Special VIP
Emergency room 100% 100% 100%
Physician and specialist visits 100% 100% 100%
Physician and specialist home visits 100% 100% 100%
Prescription medication 100% 100% US$11.000
Complementary therapy: chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture US$5.000 US$2.500 N/A
Nurse care at home 100% 100% US$10.000
Preventive health checkup, per insured, no deductible Options I, II, III, IV, V & VI:
• 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
Options I, II & III:

• US$150 up to 17 years old • US$350 at 18 years and older

Opciones IV, V & VI:

• US$100, all ages (after a 10-month waiting period)

Options I & II:

• US$100 up to 17 years old

• US$150 at 18 years and older (after a 10-month waiting period)

Hearing aids (per lifetime) US$3.000 US$2.000 US$1.000
Specialized treatments (occupational therapist, speech therapy, sleep apnea and other sleep disorders) US$4.000 US$3.000 including autism US$2.000 including autism
Alzheimer’s 100% 100% 100%
Autism • 100% if the insured was born in the policy under a covered maternity
• US$10,000 for insureds not born under a covered maternity who developed the condition while they were insured
Included in the Specialized Treatments benefit Included in the Specialized Treatments benefit
Allergy treatment 100% 100% N/A
GENERAL BENEFITS (The following benefits offer the same coverage for both inpatient and outpatient procedures))  Absolute VIP Universal VIP Special VIP
Surgeon and anesthesiologist fees 100% 100% 100%
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans) 100% 100% 100%
Cancer tests, medication and treatment (chemotherapy and/or radiotherapy) 100% 100% 100%
Surgery to reduce the risk of cancer or prophylactic surgery (per lifetime) US$30,000 (after a 12-month waiting period) US$25,000 (after a 12-month waiting period) US$20,000 (after a 12-month waiting period)
Dialysis 100% 100% 100%
Prostheses and medical appliances implanted during surgery 100% 100% 100%
Organ transplant (per organ/tissue, per lifetime) US$3.000,000 US$1.100.000 US$500.000 (with rider)
Benefits for live donors (per lifetime) US$80.000 US$60.000 US$30.000 (with rider)
Durable medical equipment 100% 100% US$10.000
Physical therapy and rehabilitation 100% 100% US$10.000
Congenital conditions diagnosed before age 18 (per lifetime) US$2.000.000 US$2.000.000 US$500.000
Congenital conditions diagnosed after age 18 100% 100% US$2.000.000 (per lifetime)
HIV-AIDS (per lifetime) US$1,000,000 (after a 24-month waiting period) US$700,000 (after a 24-month waiting period) US$250,000 (after a 48-month waiting period)
Bariatric surgery (per lifetime) US$15,000 (after a 24-month waiting period) US$10,000 (after a 24-month waiting period) US$5,000 (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders 100% (after a 24-month waiting period) 100% (after a 24-month waiting period) 100% (after a 24-month waiting period)
MATERNITY BENEFITS (10-month waiting period, no deductible applies) Absolute VIP Universal VIP Special VIP
Maternity (natural or cesarean delivery) 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”
Options I, II & III:
• US$8,500 in a hospital within the “Special Maternity Network”
• US$7,000 in a hospital outside the “Special Maternity Network”
Options I & II:
• US$4,000
• Includes extraction and storage of umbilical cord blood stem cells
Extraction and storage of stem cells Options I, II & III:
• US$2,000 per covered pregnancy
Options I, II & III:
• US$1,000 per covered pregnancy
Options I & II:
• Included in the maternity benefit
Maternity and newborn complications (per lifetime) Options I, II & III:
•US$1.000.000
Options I, II & III:
•US$1.000.000
Options I & II:
• US$500,000 (with rider, after deductible)
Inclusion of the newborn Options I, II & III:
• Without underwriting if born from a covered maternity
Options I, II & III:
• Without underwriting if born from a covered maternity
Options I & II:
• 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)
N/A N/A
MEDICAL EVACUATION BENEFITS Absolute VIP Universal VIP Special VIP
Emergency transportation by ground ambulance 100%, no deductible applies 100%, no deductible applies 100%, no deductible applies
Emergency transportation by air ambulance 100%, no deductible applies 100%, no deductible applies US$60,000, no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance US$2.000 per person US$1.000 per person US$500 per person
Repatriation of mortal remains 100% 100% US$20,000

 

OTHER BENEFITS Absolute VIP Universal VIP Special VIP
Non-professional hazardous hobbies and sports 100% 100% 100%
Professional sports 100% 100% N/A
Emergency dental coverage 100% for the first 180 days 100% for the first 180 days 100% for the first 180 days
Palliative care for terminal cases 100% 100% 100%
Temporary coverage for accidents while application is being underwritten US$50.000 US$30.000 US$30.000
Free extended coverage for eligible dependents after policyholder’s death 2 years 2 years 1 year
Free coverage for dependents Options I & II:
• Up to 10 years old, max. of 2 children born in the policy from a covered maternity
Options I & II:
• Up to 5 years old, max. of 2 children born in the policy from a covered maternity
N/A
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)
• 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)
• Elimination for 1 year after the 3rd year without claims (options I, II & III)
• Reduction of up to 50% for 1 year after the 3rd year without claims (options IV & V)
Second Medical Opinion VIP, no deductible Access to the medical opinion of internationally renowned experts from around the world regarding a condition Access to the medical opinion of internationally renowned experts from around the world regarding a condition Access to the medical opinion of internationally renowned experts from around the world regarding a condition

Effective July 2018

 

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