UNIVERSAL VIP

The most comprehensive
plan with annual coverage
of US$5 million

UNIVERSAL VIP

The most comprehensive plan with annual coverage of US$5 million

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption VOption VIOption VII
Outside USAUS$500US$2,000US$3,000US$5,000US$10,000US$20,000US$50,000
Inside USAUS$1,000US$2,000US$3,000US$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.

**Excludes Venezuela.

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
DescriptionCoverage
Standard private/semi-private hospital room100% UCR
Special benefit for suite accommodation (subject to availability)Up to US$2,000 per day within the USA Special Network®
Intensive care unit100% UCR
Adult companion accommodation (Of a hospitalized insured under 18 years old)US$350 per night, max. of 30 nights
Adult companion accommodation (Of a hospitalized insured over 18 years old)100%, max. of 21 nights
Prescribed medications while hospitalized100% UCR
DescriptionCoverage
Emergency room care100% UCR
Physician and specialist visits 100% UCR
Physician and specialist home visits100% UCR
Prescription medication100% UCR
Complementary therapy: chiropractor, psychologist, psychiatrist, osteopathy and/or acupunctureUS$3,500
Nurse or therapist care at home100% UCR
Preventive health checkup per insured, no deductible applies (after a 10-month waiting period)Options I, II & III:
• US$150 up to 17 years old
• US$350 at 18 years and older

Options IV, V & VI:
• US$100, all ages
Hearing aids US$2,000 per lifetime
Specialized treatments (occupational therapy, speech therapy, autism, sleep apnea and other sleep disorders)US$3,000
Alzheimer’s disease100% UCR
Allergy treatment100% UCR
DescriptionCoverage
Surgeon and anesthesiologist fees100% 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
Surgery to reduce the risk of cancer or prophylactic surgeryUS$30,000 per lifetime (after a 12-month waiting period)
Dialysis services100% UCR
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
Durable medical equipment 100% UCR
Physical therapy and rehabilitation 100% UCR
Congenital conditions diagnosed before age 18 US$2,000,000 per lifetime
Congenital conditions diagnosed after age 18 100% UCR
HIV-AIDSUS$1,000,000 per lifetime (after a 24-month waiting period)
Bariatric surgery US$10,000 per lifetime (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders100% UCR (after a 24-month waiting period)
Reconstructive surgery after an accident or illnessUp to the benefit limit
DescriptionCoverage
Maternity (options I, II & III)US$7,000
Extension of the maternity coverage*US$1,500
Extraction and storage of stem cells (options I, II & III)US$1,000 per covered pregnancy
Maternity and newborn complications (options I, II & III)US$1,000,000 per lifetime
Inclusion of the newborn within 90 days after the birth (options I, II & III)Without underwriting, if born from a covered maternity
Free coverage for dependents up to 5 years old (options I & II)• Max. of 2 children born from a covered maternity, if both parents are insured in the policy
• Max. of 1 child born from a covered maternity, if only the mother is insured in the policy
DescriptionCoverage
Emergency transportation by ground ambulance100% UCR, no deductible applies
Emergency transportation by air ambulance 100% UCR, no deductible applies
Cost of return ticket for the insured and one companion after an evacuation by air ambulanceUS$2,000 per person
Repatriation or cremation of mortal remains100% UCR
DescriptionCoverage
Injuries during the training or practice of hazardous hobbies and/or professional sports100% UCR
Emergency dental coverage 100% UCR for treatment within the first 180 days of the covered accident
Refractive eye surgery US$500 per eye, per lifetime (after a 24-month waiting period)
Palliative care100% UCR
Temporary coverage for accidents while application is being underwrittenUS$30,000
Free extended coverage for eligible dependents after policyholder’s death 2 years
Deductible elimination/reduction for no claims made for 3 yearsUp to 5 years old, max. of 2 children born in the policy from a covered maternity
Deductible elimination/reduction for no claims madeOptions I, II, III & IV:
• 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 V & VI:
• 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 while traveling abroad (with rider)
Second Medical Opinion VIP®Access to a second medical opinion of renowned experts from around the world, without deductible