UNIVERSAL VIP
The most comprehensive
plan with annual coverage
of US$7 million
UNIVERSAL VIP
The most comprehensive plan with annual coverage of US$7 million
DEDUCTIBLE OPTIONS*
| Option I | Option II | Option III | Option IV | Option V | Option VI | Option VII | |
|---|---|---|---|---|---|---|---|
| Inside USA | US$500 | US$2,000 | US$3,000 | US$5,000 | US$10,000 | US$20,000 | US$50,000 |
| Outside USA | US$1,000 | US$2,000 | US$3,000 | US$5,000 | US$10,000 | US$20,000 | US$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
| Description | Coverage |
|---|---|
| Maximum coverage per person, per policy year | US$7,000,000 |
| Age limit to apply | Up to 75 years old |
| Waiting period | 30 days |
| Geographical coverage | Worldwide, without restrictions of doctors and hospitals |
| Description | Coverage |
|---|---|
| Standard private/semi-private hospital room | 100% UCR |
| Special benefit for suite accommodation (subject to availability) | Up to US$2,000 per day within the USA Special Network® |
| Use of intensive care unit | 100% UCR |
| Adult companion accommodation expenses of a hospitalized insured under 18 years old | US$350 per night, max. of 30 nights |
| Adult companion accommodation expenses of a hospitalized insured over 18 years old | 100% UCR, max. of 21 nights |
| Prescribed medications while hospitalized | 100% UCR |
| Description | Coverage |
|---|---|
| Emergency room care | 100% UCR |
| Physician and specialist visits | 100% UCR |
| Physician and specialist home visits (where available) | 100% UCR |
| Outpatient prescription medication | 100% UCR |
| Complementary therapy: chiropractor, psychologist, psychiatrist, osteopath and/or acupuncturist | US$3,500 |
| Nurse or therapist care at home | 100% UCR |
| Preventive health checkup, no deductible applies (after a 10-month waiting period) | Options I, II & III: • US$200 up to 17 years old • US$350 at 18 years and older Options IV, V & VI: • US$200, all ages Preventive care benefits (options I, II, III & IV): • Colon cancer screening (at 50 years and older): US$1,200 every 10 years • Mammogram (at 40 years and older): US$400 • Pap smear (from 21 to 65 years of age): US$150 every 3 years • Prostate cancer screening (at 50 years and older): US$300 |
| Hearing aids | US$2,000 per lifetime |
| Treatment for Alzheimer’s disease | 100% UCR |
| Allergy treatment | 100% UCR |
The following benefits offer the same coverage for both inpatient and outpatient procedures.
| Description | Coverage |
|---|---|
| Surgeon and anesthesiologist fees | 100% UCR |
| Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans) | 100% UCR |
| Oncology: tests, treatment (chemotherapy and/or radiotherapy) and medication | 100% UCR |
| Surgery to reduce the risk of cancer or prophylactic surgery | US$30,000 per lifetime (after a 12-month waiting period) |
| Dialysis services | 100% UCR |
| Prostheses and medical appliances implanted during surgery | 100% 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 |
| Specialized treatments: autism, sleep apnea and other sleep disorders Specialized therapies: occupational and speech | US$3,000 |
| Congenital and/or hereditary conditions diagnosed before age 18 | US$2,000,000 per lifetime |
| Congenital and/or hereditary conditions diagnosed after age 18 | 100% UCR |
| HIV-AIDS treatment | US$1,000,000 per lifetime (after a 24-month waiting period) |
| Gastric bypass bariatric surgery and any type of surgical procedure for weight loss and its complications or treatments | US$10,000 per lifetime (after a 24-month waiting period) |
| Surgical treatment of symptomatic foot disorders | 100% UCR (after a 24-month waiting period) |
| Reconstructive surgery after an accident or illness | Up to the benefit limit |
10-month waiting period, no deductible applies.
| Description | Coverage |
|---|---|
| Maternity (options I, II & III) | US$7,000 |
| Extension of the maternity coverage* | US$1,500 |
| Extraction and storage of newborn stem cells (options I, II & III) | US$1,000 per covered delivery |
| 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 (options I & II only), if both parents are insured in the policy
• Max. of 1 child born from a covered maternity (options I & II only), if only the mother is insured in the policy |
*When the insured selects a hospital from the Special Maternity Network®.
**Included in the policy within 90 days from birth. After 90 days, premium payment will be required.
| Description | Coverage |
|---|---|
| Emergency transportation - Ground ambulance | 100% UCR, no deductible applies |
| Emergency transportation - Air ambulance | 100% UCR, no deductible applies |
| Cost of return ticket for the insured and one companion after an evacuation by air ambulance | US$1,000 per person |
| Repatriation or cremation of mortal remains | 100% UCR |
| Description | Coverage |
|---|---|
| Treatment for injuries during the training or practice of hazardous hobbies and/or professional sports | 100% 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 care | 100% UCR |
| Temporary coverage for accidents while application is being underwritten | US$30,000 |
| Free extended coverage for eligible dependents after the policyholder’s death as a result of a covered accident or condition | 2 years |
| Elimination/reduction of the policy deductible for no claims during the last 3 years | Options 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 |
| Second Medical Opinion VIP® | Access to a second medical opinion of renowned experts from around the world, no deductible applies |
| Description | Coverage |
|---|---|
| Travel VIP Light* | Up to US$5,000 for emergency medical treatment while traveling abroad |
*For policies from Argentina, Chile, Colombia, Paraguay, Peru and Uruguay this benefit is included in the plan benefits, without an additional premium.
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.