SENIOR VIP

Offers an extensive lifetime coverage of US$3 million for senior

SENIOR VIP

Offers an extensive lifetime coverage of US$3 million for senior

DEDUCTIBLE OPTIONS*

Option IOption IIOption III
Outside USAUS$3,000US$10,000US$20,000
Inside USAUS$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 personUS$3,000,000
Maximum charges incurred per policy year, per insuredUS$350,000
Age range to apply for coverage60 - 90
Waiting Period30 days
Coverage outside the United States (Excluding Brazil)100% with free choice of doctors and hospitals
Coverage in the United States• 100% with exclusive coverage in the hospitals in the "USA special network"
• Emergencies 100% coverage without restriction of hospitals
DescriptionCoverage
Companion during hospitalizationUS$100 per night, maximum of 20 nights
Standard room and board (includes costs of medication, laboratory exams, imaging studies, diagnostic procedures, specialized nurses and other expenses during a hospitalization)Up to US$2,500 per day for the first 120 days; US$750 per day for additional days
Intensive care unitUp to US$3,250 per day for the first 30 days; US$1,000 per day for additional days
Surgeon, assistant surgeon and anesthesiologist fees during a hospitalizationUp to US$25,000 per surgery, maximum of 2 surgeries per policy year
DescriptionCoverage
Outpatient surgery (everything included)Up to US$25,000 per surgery, maximum of 2 surgeries per policy year
Nurse care at homeUp to US$100 per day, maximum of 30 days per policy year
Physician and specialist visits (including home visits)Up to US$100 per consultation, maximum of 12 consultations per policy year
Diagnostic study services (pathology, X-rays, MRI/CT/PET scans, echocardiogram, stress tests, etc.)Up to US$500 per exam, per insured
Endoscopic proceduresUp to US$500 per exam, per insured
Outpatient prescription medicationUp to US$1,000 per insured
Durable medical equipmentUp to US$2,000 per insured
Hearing aids (per lifetime)Up to US$1,000 per insured
DescriptionCoverage
Cancer treatment (chemotherapy and radiotherapy), inpatient or outpatientUp to US$80,000 per insured
Physical therapy and rehabilitation (inpatient or outpatient)100% for covered conditions Up to US$100 per visit, maximum of 30 visits
Emergency transportation by ground ambulance100%, no deductible applies
Emergency transportation by air ambulanceUS$30,000, no deductible applies
Emergency dental coverage (per lifetime)Up to US$25,000 per insured
Organ and tissue transplant • US$175,000 per diagnostic, per lifetime
• Additional US$325,000 with optional rider
Benefits for live donorsUS$15,000
Repatriation of mortal remainsUp to US$7,500 per insured
Palliative care for terminal casesUp to US$750 per day, maximum of 120 days
Preventive medical check-up, no deductible (all options)US$150 per insured (after a 10-month waiting period)
Second Medical Opinion VIPAccess to the medical opinion of internationally renowned experts from around the world regarding a condition, without deductible