OPTIMUM VIP

Offers protection for specific chronic conditions up to
US$1 million annually.

OPTIMUM VIP

Offers protection for specific chronic conditions up to US$1 million annually.

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption VOption VI
Outside USAUS$1,000US$2,000US$5,000US$10,000US$20,000US$50,000
Inside USAUS$1,000US$2,000US$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$1,000,000
Age limit to apply Up to 75 years old
Waiting Period30 days
Coverage outside USA100% UCR with free choice of hospitals and doctors
Coverage inside USA• 100% UCR within the USA Special Network®
• Outside the USA Special Network®, the coverage will be at 60%,with a maximum daily room rate of up to US$700 for a standard room and up to US$1,400 for intensive care
• Emergency medical treatment will be covered 100% UCR, up to the benefits limits
DescriptionCoverage
Neurological diseases (including cerebrovascular accidents)US$150,000
Cardiac surgery for revascularization and angioplastyUS$150,000
Cancer (chemotherapy, radiotherapy, surgery for tumor and reconstructive surgery)US$200,000
Polytrauma (including rehabilitation)US$200,000
Chronic kidney failure (dialysis or hemodialysis)US$150,000
Severe burns (including reconstructive surgery)US$300,000
SepticemiaUS$150,000
Organ and tissue transplantUS$500,000 per lifetime
Includes US$50,000 benefit for expenses of the live donor
DescriptionCoverage
Intensive care unit100% UCR
Adult companion accommodation (Of a hospitalized insured under 18 years old)US$100 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 for covered conditions
Physical therapy and rehabilitation100% UCR for covered conditions
DescriptionCoverage
Emergency room care100% UCR
Physician and specialist visits 100% UCR for covered conditions
Physician and specialist home visits 100% UCR for covered conditions
Prescription medicationUS$5,000 for covered conditions
Nurse or therapist care at homeUS$7,000 for covered conditions
Physical therapy and rehabilitationUS$7,000 for covered conditions
DescriptionCoverage
Surgeon and anesthesiologist fees 100% UCR for covered conditions
Diagnostic study services (laboratory tests, biopsies, X-rays, MRI/CT/PET scans)100% UCR for covered conditions
Oncology: cancer tests, medication and treatment100% UCR for covered conditions
Durable medical equipment US$7,000 for covered conditions
Congenital conditions diagnosed before age 18 10% of the benefit for covered conditions, per lifetime
Congenital conditions diagnosed after age 18 50% of the benefit for covered conditions, per lifetime
Reconstructive surgery after an accident or illnessUp to the benefit limit
DescriptionCoverage
Emergency transportation by ground ambulance100% UCR for covered conditions, without deductible
Emergency transportation by air ambulance US$30,000 for covered conditions, without deductible
Repatriation or cremation of mortal remainsUS$10,000
DescriptionCoverage
Injuries during the training or practice of hazardous hobbies and/or non-professional sportsUS$100,000 per lifetime, for polytrauma or severe burns
Palliative care100% UCR for covered conditions
Temporary coverage for accidents while application is being underwritten US$30,000
Travel VIP LightUp to US$5,000 for emergency medical treatment abroad (with rider)
Second Medical Opinion VIP®Access to the second medical opinion of the renowned experts from around the world, without deductible