Covers all your essential
health needs with an annual
coverage of US$3 million


Option IOption IIOption IIIOption IVOption V

*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.


Lifetime coverageUnlimited
Maximum coverage per person, per policy yearUS$3,000,000
Age limit to apply Up to 75 years old
Waiting period30 days
Coverage outside USA• 100% UCR with free choice of hospitals and doctors
• Inside the “Brazil Premium Providers” coverage will be at 50%
Coverage inside USA• 100% UCR within the USA Special Network®
• Outside the USA Special Network®, 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 policy limits

*See list of hospitals.

Standard hospital room100% UCR
Use of intensive care unit100% UCR
Companion accommodation expenses of a hospitalized insuredUS$150 per night, max. of 30 nights
Prescribed medications while hospitalized100% UCR
Physical therapy and rehabilitation100% UCR
Emergency room care100% UCR
Physician and specialist visits 100% UCR
Physician and specialist home visits (where available) 100% UCR
Outpatient prescription medicationUS$5,000
Nurse or therapist care at homeUS$15,000
Preventive health checkup, no deductible applies (options I & II)US$200 per insured (after a 12-month waiting period)
Treatment for Alzheimer’s disease100% UCR
Allergy treatment100% UCR
Physical therapy and rehabilitationUS$10,000

The following benefits offer the same coverage for both inpatient and outpatient procedures.

Emergency medical services100% UCR
Surgeon and anesthesiologist fees100% UCR
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/ PET scans)100% UCR
Oncology: tests, treatment (chemotherapy and/or radiotherapy) and medication100% UCR
Surgery to reduce the risk of cancer or prophylactic surgeryUS$20,000 per lifetime (after a 12-month waiting period)
Dialysis services 100% UCR
Prostheses and medical appliances implanted during surgery 100% UCR
Organ/tissue transplantUS$500,000 per lifetime
Durable medical equipment US$10,000

Specialized treatments: autism, sleep apnea and other sleep disorders
Specialized therapies: occupational and speech

Congenital and/or hereditary conditions(Diagnosed before age 18)US$500,000 per lifetime
Congenital and/or hereditary conditions(Diagnosed after age 18 )US$2,000,000 per lifetime
HIV-AIDS treatmentUS$250,000 per lifetime (after a 48-month waiting period)
Surgical treatment of symptomatic foot disorders100% UCR (after a 24-month waiting period)
Reconstructive surgery after an accident or illness Up to the benefit limit

10-month waiting period, no deductible applies.

Maternity and newborn complications (option I)US$500,000, no deductible applies
Inclusion of the newborn within 90 days after the birth (option I)Without underwriting, if born in the policy, after the 10-month waiting period
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$500 per person
Repatriation or cremation of mortal remainsUS$20,000
Treatment for injuries during the training or practice of hazardous hobbies and/or non-professional sportsUS$250,000
Emergency dental coverage 100% UCR for treatment within the first 180 days of the covered accident
Palliative care100% UCR
Temporary coverage for polytrauma while application is being underwritten US$30,000
Free extended coverage for eligible dependents after policyholder’s death 1 year
Deductible elimination/reduction for no claims madeOptions I, II & III:
• Elimination for 1 year, after the 3rd year without claims (options I, II, III)
• 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 IV & V :
• Reduction of 50% of the deductible for 1 year after the 3rd year without claims
Second Medical Opinion VIP®Access to the medical opinion of internationally renowned experts from around the world regarding a condition, without deductible
Travel VIP LightUp to US$5,000 for emergency medical treatment while traveling abroad

All benefits with 100% coverage are up to the policy limit. Benefits with established coverage will be up to the limits stated in each of them.