SENIOR VIP CHOICE
Our most innovative and
comprehensive plan for all
your health needs
DEDUCTIBLE OPTIONS*
Option I | Option II | Option III | Option IV |
---|---|---|---|
US$3,000 | US$5,000 | US$10,000 | US$20,000 |
*Only one (1) deductible per person, per policy year applies. For family policies, a maximum of two (2) deductibles accumulated per policy, per policy year
will be applied. For more information, please refer to the Conditions of Coverage of the policy.
TABLE OF BENEFITS
Description | Coverage |
---|---|
Maximum lifetime coverage per person | US$4,000,000 |
Maximum charges incurred per policy year, per insured | US$500,000 |
Age range to apply for coverage | 60 - 90 years old |
Waiting period | 30 days |
Geographical coverage | Worldwide without restrictions of hospitals and doctors |
Description | Coverage |
---|---|
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$750per day for additional days |
Use of intensive 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$1,000per day for additional days |
Surgeon, assistant surgeon and anesthesiologist fees | Up to US$25,000 per surgery, max. of 2 surgeries per policy year |
Additional inpatient benefits (operating room and surgical implants) | Up to US$40,000 per surgery, max. of 2 surgeries per policy year |
Companion accommodation expenses of a hospitalized insured | US$100 per night, max. of 20 nights |
Description | Coverage |
---|---|
Emergency room care | US$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 surgeriesper policy year |
Nurse or therapist care at home | Up to US$100 per day, max. of 30 days per policy year |
Physician and specialist visits (including home visits where available) | 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 procedures | Up to US$750 per exam, per insured |
Outpatient prescription medication | Up to US$1,000 per insured, per policy year |
Durable medical equipment | Up to US$2,000 per insured, per policy year |
Preventive health check-up, no deductible applies (all options) | US$300 per insured (after a 10-month waiting period) |
Hearing aids | Up to US$1,000 per insured, per lifetime |
Allergy treatment | 100% UCR |
Description | Coverage |
---|---|
Oncology: cancer treatment (chemotherapy and/or radiotherapy),inpatient or outpatient | Up to US$150,000 per insured, per policy year |
Physical therapy and rehabilitation (inpatient or outpatient) | Up to US$100 per visit, max. of 30 visits per policy year |
Emergency transportation by ground ambulance | 100% UCR, no deductible applies |
Emergency transportation by air ambulance | US$30,000, no deductible applies |
Emergency dental coverage | Up to US$25,000 per insured, per lifetime, within the first 90 days of the covered accident |
Organ / 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 illness (covered by this plan) | Up to the maximum benefit |
Repatriation or cremation of mortal remains | Up to US$7,500 per insured |
Palliative care | Up to US$750 per day, max. of 120 days |
Temporary coverage for accident while application is beingunderwritten | US$30,000 |
Second Medical Opinion VIP® | Access to a second medical opinion of renowned experts from around the world, no deductible applies |
Benefício | Cobertura |
---|---|
Organ/tissue transplant | Additional US$325,000 |
Travel VIP Light | Up to US$5,000 for emergency medical treatment while traveling abroad |