GLOBAL FLEX VIP BASIC

A comprehensive plan
offering superior benefits
and free choice of medical providers

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption VOption VIOption VII
US$0US$1,000US$2,000US$5,000US$10,000US$15,000US$20,000

TABLE OF BENEFITS

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General Info

DescriptionCoverage
Maximum coverage per person, per policy yearUS$3,000,000
Age limit to apply Up to 74 years
Geographical cover options

The policyholder can choose geographical area of cover restrictions
as follows:
Any treatment received outside the geographic area of coverage is
limited to the emergency non-elective treatment benefit.


• Worldwide including USA elective treatment
• Worldwide excluding USA

• Africa area of cover restriction
For insureds residing in Africa, the area of cover will be restricted
to: Africa, India, Pakistan, Sri Lanka, Bangladesh, Jordan, Lebanon,
Mainland China, and the Philippines.


• Asia area of cover restriction
For insureds residing in Armenia, Azerbaijan, Brunei, Cambodia,
Georgia, Indonesia, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Myanmar,
Mongolia, the Philippines, Tajikistan, Thailand, Timor-Leste (East Timor),
Turkey, Turkmenistan, Uzbekistan and Vietnam, the Asia area of cover
restriction will include Singapore but exclude Mainland China,
Hong Kong, Japan, and South Korea.


• Indian sub-continent area of cover restriction
For insureds residing in Bangladesh, Bhutan, India, Maldives, Nepal,
Pakistan, and Sri Lanka the Indian sub-continent area of cover
restriction will include all named countries and Singapore.

Inpatient Benefits

DescriptionCoverage

Adult companion accommodation (related to a covered
hospitalisation of an insured child under age 18)

100% UCR
Psychiatric treatment100% UCR, max. of 30 days
Private hospital room (room and associated medical costs)100% UCR

Inpatient benefits include but are not limited to the following treatments when admitted to hospital: specialists, surgeon and anesthesiologist fees, drugs, general nursing, intensive care unit, medical appliances and surgical implants, operating theatre, therapies (if prescribed by a specialist as part of the insured’s hospital stay but are not the primary treatment for which they are in the hospital to receive).

Outpatient Benefits

DescriptionCoverage
Day-care treatment100% UCR
Nursing care at home100% UCR, max. of 30 days
Outpatient surgery100% UCR
General practitioner and specialist fees 100% UCR, pre- and post-operative, up to 15 days prior to and 30 days after inpatient treatment
Outpatient prescription drugs100% UCR, pre- and post-operative, up to 15 days prior to and 30 days after inpatient treatment.

Maternity

DescriptionCoverage
Maternity and birth complications 100% UCR

Medical Evacuation

DescriptionCoverage
Emergency transportation by air ambulance & emergency medical evacuation100% UCR
Repatriation of mortal remains100% UCR, US$5,000 for burial or cremation costs

General Benefits

DescriptionCoverage
Congenital and/or hereditary conditions after 30 days from birthUp to US$50,000
Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans)100% UCR
Durable medical equipment and external prosthesesUp to US$1,000 per policy year
HIV- AIDS treatment Up to US$50,000

Oncology (tests, drugs and treatments approved by the FDA or
equivalent domestic/ international regulatory body)

100% UCR
Organ transplant (per organ/tissue, per lifetime) 100% UCR,including up to US$50,000 for donor costs
Prescribed rehabilitation therapies100% UCR, max. of 30 days per medical condition
Reconstructive surgery 100% UCR
Renal failure and dialysis 100% UCR
Surgical procedures 100% UCR
Terminal illness / palliative care Up to US$50,000 per lifetime

Other Benefits

DescriptionCoverage
Emergency dental treatment 100% UCR
Emergency non-elective treatment outside the geographical area of coverage• 100% UCR for injuries
• Up to US$50,000 for illnesses
• Up to US$500 for outpatient hospital visits
Emergency transportation by ground ambulance100% UCR
Emergency or urgent outpatient care100% UCR
Hospital cash benefit Up to US$250 per night, max. of 30 nights
Passive war and terrorism 100% UCR
Second Medical Opinion VIP®Access to the medical opinion of internationally renowned experts from around the world regarding a condition (no deductible applies)
USA elective treatment (only available for insureds who chose the worldwide including USA elective treatment geographical area ofcover)Up to US$3,000,000

Optional Benefits

DescriptionCoverage
Evacuation to country of choice, country of residence or home country 100% UCR
Non-emergency evacuation Up to US$2,000
Optional Outpatient treatmentUp to US $5,000

*Coverage subject to purchase

WAITING PERIODS

DescriptionCoverage
HIV-AIDS 36 months
Maternity and birth complications 12 months *

*Subject to underwriting.