DIRECT VIP

Offers an annual coverage of US$5 million for hospitalization and essential outpatient treatments.

DIRECT VIP

Offers an annual coverage of US$5 million for hospitalization and essential outpatient treatments.

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption VOption VI
Outside USAUS$500US$2,000US$5,000US$10,000US$20,000US$50,000**
Inside USAUS$1,000US$2,000US$5,001US$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.

**Excludes Venezuela.

TABLE OF BENEFITS

DescriptionCoverage
Maximum coverage per person, per policy yearUS$5,000,000
Age limit to applyUp to 75 years old
Waiting Period30 days
Coverage outside USA100% UCR with free choice of doctors and hospitals
Coverage inside USA• 100% UCR within the USA Special Network®
• Outside the “USA Special Network,” the coverage will be up to US$2,000 per day for a standard room and up to US$4,000 per day for intensive care
• Emergency medical treatment will be covered at 100% UCR up to the policy limits
DescriptionCoverage
Standard private/semi-private hospital room • 100% UCR
• Outside of the USA Special Network®: US$2,000 per day
Special benefit for suite accommodation (subject to availability)Up to US$2,000 per day within the USA Special Network®
Intensive care unit• 100% UCR
• Outside of the USA Special Network®: US$4,000 per day
Emergency room care100% UCR (if admitted immediately as an inpatient)
Surgeon and anesthesiologist fees100% UCR
Adult companion accommodation (Of a hospitalized insured under 18 years old) US$175 per night, max. of 30 nights
Adult companion accommodation (Of a hospitalized insured over 18 years old)100% UCR, max. of 21 nights
Prescribed medications while hospitalized100% UCR
Prescribed medications following a hospitalization or outpatient surgery100% UCR for up to 6 months after discharge, max. of US$3,500 per policy year
Dialysis services100% UCR
Laboratory tests and X-rays100% UCR
Oncology: cancer treatment (chemotherapy and/or radiotherapy100% UCR
Physician and specialist visits100% UCR
Physical therapy and rehabilitation100% UCR (during a hospitalization)
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
Benefits for live donorsUS$60,000
HIV/AIDSUS$50,000 (if admitted as an inpatient and after a 12-month waiting period)
Bariatric surgery US$10,000 per lifetime (after a 24-month waiting period)
DescriptionCoverage
Oncology: cancer tests, medication and treatment100% UCR
Diagnostic study services (pathology, X-rays, MRI/CT/PET scans, etc.) Pre-surgical testing only. Pre-authorization requiredUS$15,000
Dialysis services100% UCR
Physician visits for pre-hospitalization and as a follow up to a covered hospitalizationUS$6,000 for up to 10 months from the date of discharge
Outpatient surgery100% UCR
Physical therapy and rehabilitation100% UCR, max. of 60 visits (following a covered hospitalization)
DescriptionCoverage
Durable medical equipment100% UCR (as follow-up care to a covered hospitalization)
Reconstructive surgery after an accident or illnessUp to the benefit limit
Emergency dental coverage100% UCR for treatment within the first 180 days of the covered accident
Emergency transportation by ground ambulance100% UCR, no deductible applies (if admitted immediately as an inpatient)
Emergency transportation by air ambulance100% UCR, no deductible applies
Nurse or therapist care at home100% UCR (as follow-up care to a covered hospitalization)
Palliative care 100% UCR
Repatriation or cremation of mortal remainsUS$25,000
Temporary coverage for accidents while application is being underwrittenUS$30,000
Injuries during the training or practice of hazardous hobbies and/or non-professional sports100% UCR
Deductible elimination/reduction for no claims made Options I & II:
• 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 III, IV & V:

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 abroad (with rider)
Second Medical Opinion VIPAccess to a second medical opinion of renowned experts from around the world, without deductible