Absolute VIP

ABSOLUTE VIP

Our most innovative and
comprehensive plan for all
your health needs

ABSOLUTE VIP

Our most innovative and comprehensive plan for all your health needs

DEDUCTIBLE OPTIONS*

	Option I	Option II	Option III	Option IV	Option V	Option VI	Option VII
Inside USA	US$500	US$1,000	US$2,000	US$5,000	US$10,000	US$20,000	US$50,000
Outside USA	US$1,000	US$2,000	US$3,000	US$5,000	US$10,000	US$20,000	US$50,000

*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

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General Plan Information

Description	Coverage
Maximum coverage per person, per policy year	Unlimited
Maximum age to apply for coverage	Up to 75 years old
Waiting period	30 days
Geographical coverage	Worldwide, without restrictions of doctors and hospitals

Inpatient Benefits

Description	Coverage
Standard private hospital room	100% UCR
Special benefit for suite accommodation (subject to availability)	Up to US$3,000 per day within the USA Special Network®
Use of intensive care unit	100% UCR
Adult companion accommodation expenses of a hospitalized insured under 18 years old	100% UCR, unlimited nights
Adult companion accommodation expenses of a hospitalized insured over 18 years old	100% UCR, max. of 21 nights
Prescribed medications while hospitalized	100% UCR

Outpatient Benefits

Description	Coverage
Emergency room care	100% UCR
Physician and specialist visits	100% UCR
Physician and specialist home visits (where available)	100% UCR
Outpatient prescription medication	100% UCR
Complementary therapy: chiropractor, psychologist, psychiatrist, osteopath and/or acupuncturist	US$6,000
Nurse or therapist care at home	100% UCR
Preventive health checkup, no deductible applies (options I, II, III, IV, V & VI)	• US$300 per visit, up to 6 visits, for insureds from 0 to 12 months of age • Up to US$500 from 12 months of age and older, including up to US$75 for preventive dental checkup in options I, II & III Preventive care benefits (options I, II, III & IV): • Colon cancer screening (at 50 years and older): US$1,200 every 10 years • Mammogram (at 40 years and older): US$400 • Pap smear (from 21 to 65 years of age): US$150 every 3 years • Prostate cancer screening (at 50 years and older): US$300
Hearing aids	US$3,000 per lifetime
Treatment for Alzheimer’s disease	100% UCR
Autism treatment	• 100% UCR if the insured was born from a covered maternity • US$10,000 for insureds not born from a covered maternity, and who developed the condition while they were insured
Allergy treatment	100% UCR

General Benefits for Inpatient and Outpatient Procedures

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

Description	Coverage
Surgeon and anesthesiologist fees	100% UCR
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans)	100% UCR
Oncology: tests, treatment (chemotherapy and/or radiotherapy) and medication	100% UCR
Surgery to reduce the risk of cancer or prophylactic surgery	US$30,000 per lifetime (after a 12-month waiting period)
Dialysis services	100% UCR
Prostheses and medical appliances implanted during surgery	100% UCR
Organ transplant (per organ/tissue)	US$3,000,000 per lifetime Includes US$80,000 benefit for expenses of the live donor
Durable medical equipment	100% UCR
Physical therapy and rehabilitation	100% UCR
Specialized treatments: sleep apnea and other sleep disorders Specialized therapies: occupational and speech	US$5,000
Congenital and/or hereditary conditions diagnosed before age 18	US$2,000,000 per lifetime
Congenital and/or hereditary conditions diagnosed after age 18	100% UCR
HIV-AIDS treatment	US$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 medication	US$15,000 per lifetime (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders	100% UCR (after a 24-month waiting period)
Reconstructive surgery after an accident or illness	Up to the maximum benefit

Maternity Benefits

10-month waiting period, no deductible applies.

Description	Coverage
Maternity (options I, II & III)	Normal delivery: • 100% UCR in a hospital within the Special Maternity Network^® • US$8,000 in a hospital outside the Special Maternity Network^® Cesarean delivery: • US$10,000 for cesarean delivery inside or outside the Special Maternity Network^® Includes deliveries for pregnancies that are a result of any type of fertility treatments.
Extraction and storage of newborn stem cells (options I, II & III)	US$2,000 per covered delivery
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 10 years old (options I & II)*	• Max. of 2 children born from a covered maternity (options I & II only), if both parents are insured in the policy • Max. of 1 child born from a covered maternity (options I & II only), if only the mother is insured in the policy
Fertility treatment (options I & II)**	US$5,000 per lifetime, after deductible (after a 24-month waiting period)

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

**The coverage of these treatments does not exonerate the insured from the exclusions related to a pregnancy resulting from them, as detailed in the policy.

Medical Evacuation Benefits

Description	Coverage
Emergency transportation - Ground ambulance	100% UCR, no deductible applies
Emergency transportation - Air ambulance	100% UCR, no deductible applies
Cost of return ticket for the insured and one companion after an evacuation by air ambulance	Up to US$2,000 per tick
Repatriation or cremation of mortal remains	100% UCR

Other Benefits

Description	Coverage
Treatment for injuries during the training or practice of hazardous hobbies and/or professional sports	100% UCR
Emergency dental coverage	100% UCR for treatment within the first 180 days of the covered accident
Refractive eye surgery	US$800 per eye, per lifetime (after a 24-month waiting period)
Palliative care	100% UCR
Temporary coverage for accidents while application is being underwritten	US$30,000
Free extended coverage for eligible dependents after the policyholder’s death as a result of a covered accident or condition	2 years
Elimination/reduction of the policy deductible for no claims during the last 3 years	Options 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
Elimination of deductible in case of a serious accident (all options)	Elimination of the annual deductible for the first hospital urgent treatment that requires a hospitalization within the first 24 hours after the serious accident
Second Medical Opinion VIP®	Access to a second medical opinion of renowned experts from around the world, no deductible applies

Optional Additional Benefits (Riders)

Description	Coverage
Emergency coverage when traveling abroad	Up to US$5,000 for emergency medical treatment

*For policies issued to Argentina, Chile, Colombia, Paraguay, Peru and Uruguay residents, this benefit is included in their plan with no extra premium.
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.