SENIOR VIP

Offers an extensive lifetime coverage of US$3 million for senior

SENIOR VIP

Offers an extensive lifetime coverage of US$3 million for senior

DEDUCTIBLE OPTIONS*

Option IOption IIOption III
Outside USAUS$3,000US$10,000US$20,000
Inside USAUS$5,000US$10,000US$20,000

*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 lifetime coverage per personUS$3,000,000
Maximum charges incurred per policy year, per insuredUS$500,000
Age range to apply for coverage60 - 90 years old
Waiting Period30 days
Geographical coverageWorldwide without restrictions of hospitals and doctors
DescriptionCoverage
Standard room and hospitalization services (includes medication, laboratory exams, imaging studies, diagnostic procedures, specialized nurses and medical/surgical material, among others)Up to US$2,500 per day for the first 120 days; US$750 per day for additional days
IntenIntensive care unit (includes medication, laboratory exams, imaging studies, diagnostic procedures, specialized nurses and medical/surgical material, among others)Up to US$3,250 per day for the first 30 days; US$1,000 per day for additional days
Surgeon, assistant surgeon and anesthesiologist feesUp to US$25,000 per surgery, maximum of 2 surgeries per policy year
Additional inpatient benefits (operating room and surgical implants)Up to US$30,000 per surgery, max. of 2 surgeries per policy year
Companion accommodation expenses of a hospitalized insuredUS$100 per night, max.of 20 nights
DescriptionCoverage
Emergency room careUS$10,000 per visit, max. of 2 visits per policy year
Outpatient surgery (everything included)Up to US$25,000 per surgery, max. of 2 surgeries per policy year
Nurse or therapist care at homeUp to US$100 per day, max. of 30 days per policy year
Physician and specialist visits (including home visits)Up to US$100 per consultation, max. of 12 consultations per policy year
Diagnostic study services (pathology, X-rays, MRI/CT/PET scans, echocardiogram, stress tests, etc.)Up to US$500 per exam, per insured
Endoscopic proceduresUp to US$750 per exam, per insured
Outpatient prescription medicationUp to US$1,000 per insured
Durable medical equipmentUp to US$2,000 per insured
Preventive health checkup, no deductible applies (all options)US$150 per insured (after a 10-month waiting period)
Hearing aidsUp to US$1,000 per insured, per lifetime
Allergy treatment100% UCR
DescriptionCoverage
Oncology: cancer treatment (chemotherapy and/or radiotherapy), inpatient or outpatientUp to US$150,000 per insured
Physical therapy and rehabilitation (inpatient or outpatient)Up to US$100 per visit, max. of 30 visits
Emergency transportation by ground ambulance100% UCR, no deductible applies
Emergency transportation by air ambulanceUS$30,000, no deductible applies
Emergency dental coverageUp to US$25,000 per insured, per lifetime, within the first 90 days of the covered accident
Organ and tissue transplant • US$175,000 per diagnostic, per lifetime
Includes US$15,000 benefit for expenses of the live donor
• Additional US$325,000 with optional rider
Reconstructive surgery after an accident or illnessUp to the benefit limit
Repatriation or cremation of mortal remainsUp to US$7,500 per insured
Palliative careUp to US$750 per day, max. of 120 days
Temporary coverage for accident while application is being underwrittenUS$30,000
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 around the world, without deductible