The most comprehensive
plan with annual coverage
of US$5 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$7,000,000
Maximum age to apply for coverageUp to 75 years old
Waiting period30 days
Geographical coverageWorldwide, without restrictions of doctors and hospitals
Standard private hospital room100% UCR
Special benefit for suite accommodation (subject to availability)Up to US$2,000 per day within the USA Special Network®
Use of intensive care unit100% UCR
Companion accommodation expenses of a hospitalized insured100% UCR, max. of 21 nights
Prescribed medications while hospitalized100% UCR
Inpatient mental health treatment and medication100% UCR max. of 30 days
Emergency room care100% UCR
Physician and specialist visits 100% UCR
Physician and specialist home visits (where available)100% UCR
Outpatient prescription medication 100% UCR

Complementary therapy: chiropractic, psychiatry, speech, occupational,
osteopathy, acupuncture, psychology and/or outpatient mental health
prescription medication

US$7,500, all therapies combined
Nurse or therapist care at home100% UCR
Preventive health checkup. No deductible appliesOptions I & II:
• 100% UCR for insureds from 0 to 6 months of age, up to 5 visits
• US$600 per policy year for insureds from 6 months to 17 years of age
• US$600 per policy year for insureds from 18 years of age and older

Options III & IV:
• US$600 per policy year for all ages

Preventive care benefit (options I, II, III & IV):
• Colon cancer screening (at 50 years and older):
US$1,200 every 10 years (after a 12-month waiting period)
Hearing aids US$2,000 per lifetime
Treatment for Alzheimer’s disease100% UCR
Allergy treatment100% UCR
Autism treatmentUS$5,000

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$25,000 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 rehabilitation100% UCR
Specialized treatments: sleep apnea and other sleep disordersUS$3,000
Congenital conditions diagnosed before age 18 US$2,000,000 per lifetime
Congenital conditions diagnosed after age 18 100% UCR
HIV-AIDS TreatmentUS$1,000,000 per lifetime (after a 24-month waiting period)
Gastric bypass bariatric surgery and any type of surgical procedure for weight loss, its complications or treatments, and/or weight loss medicationUS$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 illness (covered by this plan)Up to the maximum benefit

10-month waiting period, no deductible applies.

MaternityOption I:
US$8,500, no deductible applies

Option II:
US$8,500, after deductible

Includes deliveries for pregnancies that are a result of any type of fertility treatments
Extraction and storage of newborn stem cells (option I)US$1,000 per covered delivery
Maternity and newborn complicationsOption I:
US$1,000,000 per lifetime, no deductible applies
Inclusion of the newborn within 90 days after the birth (options I & II)Without underwriting, if born from a covered maternity
Free coverage for dependents up to 5 years old (option I)*• 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

*Included in the policy within 90 days from birth. After 90 days, premium payment will be required.

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 ambulanceUp to US$1,000 per ticket
Repatriation or cremation of mortal remains100% UCR
Treatment for 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 the policyholder’s death as a result of a covered accident or condition2 years
Elimination/reduction of the policy deductible for no claims during the last 3 yearsOptions I & II:
• 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 III & IV:
• Reduction of 50% of the deductible for 1 year after the 3rd year without claims
Second Medical Opinion VIP®Access to a second medical opinion of renowned experts from around the world, without deductible
Maternity and newborn complications (option II)US$500,000 per lifetime, after deductible
Emergency coverage when traveling abroadUp to US$5,000 for emergency medical treatment

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.