This plan offers a complete benefits package, with freedom to choose exclusive hospitals and physicians.

Maximum Benefit$500,000 per Insured per Policy Year
Eligibility to ApplyFrom 18 to 74 years old
RenewalLifetime guarantee
CoverageOutside of the USA:
Free choice of hospitals and physicians
In the USA:
Restricted access to the MEDICALSELECT™ Network(*): Covered medical expenses incurred outside of the MEDICALSELECT™ Network(*) in the United States will be covered at 60%, up to a maximum of $600 per day for a private or semi-private room and $1,200 per day for the intensive care unit. Emergency Medical Treatment will be covered at 100% up to the maximum benefit of the Policy.
Private and Semi-Private Room100% with no limit as to the number of days within the MEDICALSELECT™ Network(*)
Intensive Care Unit100% with no limit as to the number of days within the MEDICALSELECT™ Network(*)
Surgery (Including Outpatient Surgery)100% within the MEDICALSELECT™ Network(*)
Emergency Room100%
Surgeon and Anesthetist Fees100%
Major Diagnostic Services100%
Cancer Treatment100%
Congenital and Hereditary Disorders$100,000 per Insured per lifetime (When the condition is diagnosed before age 18)
100% (When the condition is diagnosed at age 18 or after)
Organ and Tissue Transplants$300,000 per Organ or Tissue, lifetime per Insured, after Deductible, including US$20,000 for living donor
Outpatient Physical Therapy, Rehabilitation and Home Health Care (Private Nurse)$4,000 per Insured per Policy Year after deductible.
Surgical treatment for symptomatic disorders of the feet100%
Emergency Dental Coverage100%
Physician and Specialist Visits100%
Reconstructive surgery in case of Illness or Accident100%
Durable Medical Equipment Special Devices, External prosthesis, Orthotic devices$6,500 per Insured per Policy Year, after deductible.
Surgical Implants or prosthesis (Excluding dental)100%
Prescribed Medications$6,500 per Insured per Policy Year (outside hospitalization) after deductible
100% during hospitalization
Prophylactic surgery for reduction of cancer risk$10,000 per Insured per lifetime after deductible
12-month Waiting Period
Emergency Transportation
Air Ambulance$30,000 per Insured per Policy year to the closest Hospital of qualified treatment
No deductible applies
Ground Ambulance100% to the closest Hospital of qualified treatment
No deductible applies
Repatriation of Mortal Remains or Cremation Services$5,000 per Insured per Policy Year, after deductible, in the event of death resulting from a covered Accident or condition
Coverage for accidents that occurred during the practice of high risk activities100%
Temporary Emergency coverage while application is evaluated$25,000
Coverage Alzheimer disease100%
Additional BenefitsDeductible will be waived up to a $5,000 maximum in case of an Emergency or Accident that occurs while the Insured is travelling outside of his/her country of residence
In case of Serious Accident, as defined in this Policy, not deductible will apply for the first Medically Necessary Hospitalization, following said Serious Accident. Any subsequent treatment will incur the deductible
Unique ServicesInterConsultation™
Confirmation of diagnosis and recommendation of the best treatment and specialists. Immediate access to this benefit available regardless of any exclusion applicable under this Policy.

Best Doctors Concierge™
Coordination of medical appointments, hospital admission, travel arrangements, accommodation and transportation when services are rendered outside of the Insured’s Country of Residence.

Individual Case Management
A program to coordinate, supervise and manage complex cases of long duration.
Things You Should Know
Unless otherwise stated, the benefits are on a per Insured, per Policy Year basis in which the chosen deductible applies
All benefits are in US Dollars (USD)
Cumulative deductible per Insured, per Policy Year. Maximum two deductibles per family per Policy Year
Costs are subject to being usual, customary and reasonable
Additional Coverage Available (Riders)
Eligibility: Age 3–59, renewable cover up to age 65
Monetary benefit to pay for incidentals when being diagnosed with a covered illness or surgery
Covered conditions and surgeries: Cancer, stroke, heart attack (myocardial infarction), coronary artery by-pass surgery, kidney/renal failure, multiple sclerosis, benign brain tumor, paralysis (paraplegia), organ transplant (kidney, heart, lung, liver, pancreas or bone marrow), blindness, deafness