UNIVERSAL VIP

The most comprehensive
plan with annual coverage
of US$5 million

UNIVERSAL VIP

The most comprehensive plan with annual coverage of US$5 million

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption VOption VIOption VII
US$500US$2,000US$3,000US$5,000US$10,000US$20,000US$50,000
US$1,000US$2,000US$3,000US$5,000US$10,000US$20,000US$50,000

*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 Policy YearUS$5,000,000
Age limit to apply Up to 75 years old
Waiting Period30 days
Geographical coverageWorldwide, without restrictions of doctors and hospitals
DescriptionCoverage
Standard private/semi-private hospital room100% UCR
Special benefit for suite accommodation (subject to availability)Up to US$2,000 per day within the USA Special Network®
Intensive care unit100% UCR
Adult companion accommodation (Of a hospitalized insured under18 years old)US$350 per night, max. of 30 nights
Adult companion accommodation (Of a hospitalized insured over18 years old)100%, max. of 21 nights
Prescribed medications while hospitalized100% UCR
DescriptionCoverage
Emergency room care100% UCR
Physician and specialist visits 100% UCR
Physician and specialist home visits100% UCR
Prescription medication100% UCR
Complementary therapy: chiropractor, psychologist, psychiatrist,osteopathy and/or acupunctureUS$3,500
Nurse or therapist care at home100% UCR
Preventive health checkup per insured, no deductible applies (after a 10-month waiting period)Options I, II & III:<br>
• US$150 up to 17 years old<br>
• US$350 at 18 years and older<br>
<br>
Options IV, V & VI:<br>
• US$100, all ages
Hearing aids US$2,000 per lifetime
Specialized treatments (occupational therapy, speech therapy, autism,sleep apnea and other sleep disorders)US$3,000
Alzheimer’s disease100% UCR
Allergy treatment100% UCR
DescriptionCoverage
Surgeon and anesthesiologist fees100% UCR
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)100% UCR
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy)and medication100% UCR
Surgery to reduce the risk of cancer or prophylactic surgeryUS$30,000 per lifetime (after a 12-month waiting period)
Dialysis services100% UCR
Prostheses and medical appliances implanted during surgery100% UCR
Organ transplant (per organ/tissue)US$1,100,000 per lifetime
Includes US$60,000 benefit for expenses of the live donor
Durable medical equipment 100% UCR
Physical therapy and rehabilitation 100% UCR
Congenital conditions diagnosed before age 18 US$2,000,000 per lifetime
Congenital conditions diagnosed after age 18 100% UCR
HIV-AIDSUS$1,000,000 per lifetime (after a 24-month waiting period)
Bariatric surgery US$10,000 per lifetime (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders100% UCR (after a 24-month waiting period)
Reconstructive surgery after an accident or illnessUp to the benefit limit
DescriptionCoverage
Maternity (options I, II & III)US$7,000
Extension of the maternity coverage*US$1,500
Extraction and storage of stem cells (options I, II & III)US$1,000 per covered pregnancy
Maternity and newborn complications (options I, II & III)US$1,000,000 per lifetime
Inclusion of the newborn within 90 days after the birth(options I, II & III)Without underwriting, if born from a covered maternity
Free coverage for dependents up to 5 years old (options I & II)• Max. of 2 children born from a covered maternity, if both parents areinsured in the policy
• Max. of 1 child born from a covered maternity, if only the mother isinsured in the policy
DescriptionCoverage
Emergency transportation by ground ambulance100% UCR, no deductible applies
Emergency transportation by air ambulance 100% UCR, no deductible applies
Cost of return ticket for the insured and one companion after anevacuation by air ambulanceUS$2,000 per person
Repatriation or cremation of mortal remains100% UCR
DescriptionCoverage
Injuries during the training or practice of hazardous hobbies and/orprofessional sports100% UCR
Emergency dental coverage 100% UCR for treatment within the first 180 days of the covered accident
Refractive eye surgery US$500 per eye, per lifetime (after a 24-month waiting period)
Palliative care100% UCR
Temporary coverage for accidents while application is being underwrittenUS$30,000
Free extended coverage for eligible dependents after policyholder’s death 2 years
Deductible elimination/reduction for no claims made for 3 yearsUp to 5 years old, max. of 2 children born in the policy from a covered maternity
Deductible elimination/reduction for no claims madeOptions I, II, III & IV:
• Elimination for 1 year, after the 3rd year without claims
• Reduction of 50% of the deductible for 1 year after the 3rd year, if the deductible was not met in any of the years

Options V & VI:
• Reduction of 50% of the deductible for 1 year after the 3rd year without claims
Travel VIP LightUp to US$5,000 for emergency medical treatment while traveling abroad (with rider)
Second Medical Opinion VIP®Access to a second medical opinion of renowned experts from around the world, without deductible