Our most innovative and
comprehensive plan for all
your health needs


Our most innovative and comprehensive plan for all your health needs


Option IOption IIOption IIIOption IVOption VOption VIOption VII

*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.

**Excludes Venezuela.


Standard private hospital room100% UCR
Special benefit for suite accommodation (subject to availability)Up to US$3,000 per day within the USA Special Network®
Intensive care unit100% UCR
Adult companion accommodation expenses (Of a hospitalized insured under 18years old)100% UCR, unlimited nights
Adult companion accommodation expenses (Of a hospitalized insured over 18years old)100% UCR, max. of 21 nights
Prescribed medications while hospitalized100% UCR
Emergency room care100% UCR
Physician and specialist visits100% UCR
Physician and specialist home visits 100% UCR
Prescription medication100% UCR
Complementary therapy: chiropractor, psychologist, psychiatrist,osteopathy and/or acupunctureUS$6,000
Nurse or therapist care at home100% UCR
Preventive health checkup, per insured, no deductible applies(options I, II, III, IV, V & VI)• US$300 per visit, up to 6 visits, for insureds from 0 to 12 months of age<br>• Up to US$500 from 12 months of age and older, including up to
US$75 for preventive dental checkup in options I, II & III
Hearing aidsUS$3,000 per lifetime
Specialized treatments (occupational therapy, speech therapy, sleepapnea and other sleep disorders)US$5,000
Alzheimer’s disease100% UCR
Autism treatment• 100% UCR if the insured was born in the policy under a covered maternity<br>• US$10,000 for insureds not born under a covered maternity who developed the condition while they were insured
Allergy treatment100% UCR
Surgeon and anesthesiologist fees 100% 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 surgery 100% UCR
Organ transplant (per organ/tissue)US$3,000,000 per lifetime
Includes US$80,000 benefit for expenses of the live donor
Durable medical equipment 100% UCR
Physical therapy and rehabilitation 100% UCR
Congenital conditions diagnosed before age 18US$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$15,000 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
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
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 coveredaccident
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 underwritten US$30,000
Free extended coverage for eligible dependents after policyholder’s death 2 years
Deductible elimination/reduction for no claims for 3 yearsOptions 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 yearwithout 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 renowed experts from around the world, without deductible