GROUP GLOBAL
FLEX VIP BASIC
A comprehensive plan
offering superior benefits
and free choice of medical providers
DEDUCTIBLE OPTIONS*
| Option I | Option II | Option III | Option IV | Option V | Option VI | Option VII | |
|---|---|---|---|---|---|---|---|
| US$0 | US$1,000 | US$2,000 | US$5,000 | US$10,000 | US$15,000 | US$20,000 |
TABLE OF BENEFITS
| Description | Coverage |
|---|---|
| Maximum cover per person, per policy year | US$3,000,000 |
| Maximum age to apply for coverage | Up to 74 years |
| Geographical cover options | The policyholder can choose geographical area of cover restrictionsas follows: Any treatment received outside the geographic area of coverage is • Worldwide including USA elective treatment • Worldwide excluding USA
For insureds residing in Africa, the area of cover will be restricted to:
For insureds residing in Armenia, Azerbaijan, Brunei, Cambodia,
|
| Description | Coverage |
|---|---|
| Adult companion accommodation (related to a coveredhospitalisation of an insured child under age 18) | 100% UCR |
| Psychiatric treatment | 100% 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 anaesthesiologist 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).
| Description | Coverage |
|---|---|
| Day-care treatment | 100% UCR |
| Nursing care at home | 100% UCR, max. of 30 days |
| Outpatient surgery | 100% 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 drugs | 100% UCR, pre- and post-operative, up to 15 days prior to and 30 days after inpatient treatment. |
| Description | Coverage |
|---|---|
| Maternity and birth complications | 100% UCR |
| Newborn cover | Up to US$50,000 |
| Description | Coverage |
|---|---|
| Emergency transportation by air ambulance & emergency medical evacuation | 100% UCR |
| Repatriation of mortal remains | 100% UCR, US$5,000 for burial or cremation costs |
| Description | Coverage |
|---|---|
| Congenital and/or hereditary conditions after 30 days from birth | Up to US$50,000 |
| Congenital and/or hereditary conditions from birth up to 30 days | Covered under the newborn benefit |
| Diagnostic study services (laboratory tests, X-rays, CT, PETand MRI scans) | 100% UCR |
| Durable medical equipment and external prostheses | Up to US$1,000 per policy year |
| Gene therapies | Up to US $500,000 |
| 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 therapies | 100% 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 |
| Description | Coverage |
|---|---|
| Emergency dental treatment | Up to the maximum benefit |
| Emergency non-elective treatment outside the geographical area ofcover | • Up to the maximum benefit for injuries |
| Emergency transportation by ground ambulance | Up to the maximum benefit |
| Emergency or urgent outpatient care | 100% UCR |
| Hospital cash benefit | Up to US$250 per night, max. of 30 nights |
| Passive war and terrorism | Up to the maximum benefit |
| 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 of cover) | Up to US$3,000,000 |
| Description | Coverage |
|---|---|
| Evacuation to country of choice, country of residence or homecountry* | 100% UCR |
| Medical history disregarded* | For compulsory group policies of 10 employees or more |
| Non-emergency evacuation* | Up to US$2,000 |
| Semi-private hospital room restriction** | 100% UCR As a premium-reduction option benefit, coverage forhospital room and board is limited to a semi-privatehospital room equipped to accommodate two (2) ormore patients, with shared bathroom. Private hospitalrooms, VIP rooms, suites, deluxe or luxury rooms, anyother higher-tier accommodation and any associatedmedical cost will not be covered |
| Optional outpatient treatment* | • Option 1 - Up to US$5,000 for outpatient treatment |
| Selecting Option 2 provides the option to acquire the following additional benefits: | |
| Maternity care benefit*** | For compulsory group policies of 5 employees or more • Option I - Up to US$5,000 |
| Routine and major dental treatment cover*** | For compulsory group policies of 5 employees or more • Option I - Up to US$500 for routine and up toUS$1,000 for major |
| Wellness and optical*** | Wellness: • Option I - Up to US$500 • Option I - Up to US$300 |
*Coverage subject to purchase.
**Available subject to underwriting
***Only available when outpatient option 2 is selected
WAITING PERIODS
| Description | Coverage |
|---|---|
| Dental | 9 months |
| HIV-AIDS | 36 months |
| Maternity and birth complications | 12 months |
| Maternity care | 12 months |
Effective from 1 July 2026, or after the renewal.
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.