PROTECT VIP

Is a modular plan that provides flexibility to choose the coverage you need

DIRECT VIP

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

HOSPITALIZATION MODULE (BASE PLAN) DEDUCTIBLE OPTIONS* (INSIDE** OR OUTSIDE THE U.S.)

Option IOption IIOption IIIOption IVOption V
US$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 Conditions of Coverage of the policy.

**For coverage in the United States, the U.S. Coverage Module must be acquired.

TABLE OF BENEFITS

DescriptionCoverage
Maximum coverage per person, per policy yearUS$5,000,000
Age limit to apply Up to 75 years old
Waiting Period30 days
Geographical coverageWorldwide without restrictions of doctors and hospitals (excluding the U.S., unless the optional U.S. Coverage Module is acquired)
DescriptionCoverage
Standard private/semi-private hospital room100% UCR
Intensive care unit100% UCR
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: inpatient or outpatient cancer treatment )chemotherapy and radiotherapy)100% 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
Benefits for live donorsUS$60,000 (included in the organ transplant benefit)
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)
Durable medical equipment100% UCR (as follow-up care to a covered hospitalization)
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 of mortal remainsUS$25,000 (must be pre-approved and coordinated by the company)
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 fir 3 years• Elimination for 1 year after the 3rd year without claims (options I & II)
• Reduction of up to 50% for 1 year after the 3rd year without claims (options III & IV)
Second Medical Opinion VIP®Access to the medical opinion of internationally renowned experts from around the world regarding a condition, without deductible
DescriptionCoverage
Outpatient benefits additional deductibleUS$1,000
Outpatient benefits maximum coverage per person, per policy yearUS$5,000
Diagnostic study services (pathology, X-rays, MRI/CT/PET scans, etc.) Pre-surgical testing only. Pre-authorization required100% UCR
Dialysis service100% UCR
Physician visits for pre-hospitalization and as a follow up to a covered hospitalization100% UCR 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
Maximum coverage per person, per policy year within the U.SUp to policy limits
Coverage inside USAInside the Protect VIP USA Network®: • 100% UCR Outside the Protect VIP USA Network®: • 60% of the covered expenses (with a maximum daily room rate of up to US$700 for a standard room and up to US$1,400 for intensive care unit) • Emergency medical treatment: 100% UCR
Special benefit for suiteUp to US$2,000 per day within the Protect VIP USA Network®.
(no coverage available outside the Protect VIP USA Network®)

*The Hospitalization Benefits Module (Base Plan) must be chosen before any other optional module can be added.

All benefits with 100% coverage are up to the policy limit.