ACCESS VIP

Is designed as a complementary plan with an annual coverage of US$2 million

ACCESS VIP

Is designed as a complementary plan with an annual coverage of US$2 million

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption VOption VI
US$2,000US$5,000US$10,000US$20,000US$20,000US$50,000
US$2,000US$5,000US$10,000US$20,000US$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
DescriptionCoverage
Intensive care unit100% UCR
Adult companion accommodation (Of a hospitalized insured under18 years old)US$150 per night, max. of 30 nights
Adult companion accommodation (Of a hospitalized insured over18 years old)100% UCR, max. of 21 nights
Prescribed medications while hospitalized100% UCR
Physical therapy and rehabilitation100% UCR
DescriptionCoverage
Emergency room care100% UCR
Physician and specialist visits 100% UCR
Physician and specialist home visits 100% UCR
Outpatient prescription medicationUS$5,000
Nurse or therapist care at homeUS$6,000
Hearing aidsUS$500 per lifetime
Specialized treatments (occupational therapy, speech therapy, autism,sleep apnea and other sleep disorders)US$1,500
Alzheimer’s disease100% UCR
Allergy treatment100% UCR
Physical therapy and rehabilitationUS$6,000
DescriptionCoverage
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
Dialysis services100% UCR
Prostheses and medical appliances implanted during surgery 100% UCR
Organ/tissue transplantUS$300,000 per lifetime
Includes US$25,000 benefit for expenses of the live donor
Durable medical equipment US$6,000
Congenital conditions (Diagnosed before age 18) US$125,000 per lifetime
Congenital conditions (Diagnosed after age 18)100% UCR
Reconstructive surgery after an accident or illnessUp to the benefit limit
DescriptionCoverage
Maternity (option I)US$3,000, no deductible applies
Maternity and newborn complications (option I)US$125,000
Inclusion of the newborn within 90 days after the birth (option I)Without underwriting if born from a covered maternity
DescriptionCoverage
Emergency transportation by ground ambulance100% UCR, no deductible applies
Emergency transportation by air ambulance US$40,000, no deductible applies
Repatriation of mortal remainsUS$7,000
DescriptionCoverage
Injuries during the training or practice of hazardous hobbiesand/or non-professional sports100% UCR
Emergency dental coverage 100% UCR for treatment within the first 180 days of the coveredaccident
Palliative care for terminal cases 100% UCR
Temporary coverage for accidents while application is being underwritten US$30,000
Deductible elimination/reduction for no claims madeOption I:• Elimination for 1 year, after the 3rd year without claims (option I)
• Reduction of up to 50% for 1 year after the 3rd year, if the deductible was not met in any of the years

Options II,III & IV
• Reduction of 50% of the deductible for 1 year after the3rd year without claims
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 aroundthe world, without deductible