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


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


Option IOption IIOption III


Maximum lifetime coverage per personUS$3,000,000
Maximum charges incurred per policy year, per insuredUS$500,000
Age range to apply for coverage60 - 90 years old
Waiting Period30 days
Geographical coverageWorldwide without restrictions of hospitals and doctors
Standard room and hospitalization services (includes medication,laboratory exams, imaging studies, diagnostic procedures, specializednurses and medical/surgical material, among others)Up to US$2,500 per day for the first 120 days; US$750 per day for additional days
Intensive care unit (includes medication, laboratory exams, imagingstudies, diagnostic procedures, specialized nurses and medical/surgicalmaterial, among others)Up to US$3,250 per day for the first 30 days; US$1,000 per day for additional days
Surgeon, assistant surgeon and anesthesiologist feesUp to US$25,000 per surgery, maximum of 2 surgeries per policy year
Additional inpatient benefits (operating room and surgical implants)Up to US$30,000 per surgery, max. of 2 surgeries per policy year
Companion accommodation expenses of a hospitalized insuredUS$100 per night, max.of 20 nights
Emergency room careUS$10,000 per visit, max. of 2 visits per policy year
Outpatient surgery (everything included)Up to US$25,000 per surgery, max. of 2 surgeriesper policy year
Nurse or therapist care at homeUp to US$100 per day, max. of 30 days per policy year
Physician and specialist visits (including home visits)Up to US$100 per consultation, max. 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$750 per exam, per insured
Outpatient prescription medicationUp to US$1,000 per insured
Durable medical equipmentUp to US$2,000 per insured
Preventive health checkup, no deductible applies (all options)US$150 per insured (after a 10-month waiting period)
Hearing aidsUp to US$1,000 per insured, per lifetime
Allergy treatment100% UCR
Oncology: cancer treatment (chemotherapy and/or radiotherapy), inpatient or outpatientUp to US$150,000 per insured
Physical therapy and rehabilitation (inpatient or outpatient)Up to US$100 per visit, max. of 30 visits
Emergency transportation by ground ambulance100% UCR, no deductible applies
Emergency transportation by air ambulanceUS$30,000, no deductible applies
Emergency dental coverageUp to US$25,000 per insured, per lifetime, within the first 90 days of the covered accident
Organ and tissue transplant • US$175,000 per diagnostic, per lifetime
Includes US$15,000 benefit for expenses of the live donor
• Additional US$325,000 with optional rider
Reconstructive surgery after an accident or illnessUp to the benefit limit
Repatriation or cremation of mortal remainsUp to US$7,500 per insured
Palliative careUp to US$750 per day, max. of 120 days
Temporary coverage for accident while application is being underwrittenUS$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

All benefits with 100% coverage are up to the policy limit. Benefits with established coverage will be up to the limits stated in each of them.