GROUP GLOBAL
FLEX VIP ULTRA

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

DEDUCTIBLE OPTIONS

Option IOption IIOption IIIOption IVOption VOption VIOption VII
US$0
deductible
US$1,000
deductible
US$2,000
deductible
US$5,000
deductible
US$10,000
deductible
US$15,000
deductible
US$20,000
deductible
Option VIIIOption IXOption XOption XIOption XII
US$15 outpatient per visit excessUS$30 outpatient pervisit excess10% outpatient coinsurance, up to amaximum out of pocketof US$2,00020% outpatient coinsurance, up to amaximum out of pocketof US$4,00030% outpatient coinsurance, up to amaximum out of pocketof US$6,000

TABLE OF BENEFITS

DescriptionCoverage
Maximum coverage per person, per policy yearUS$4,500,000
Maximum age to apply for coverageUp 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.

DescriptionCoverage
Adult companion accommodation (related to a coveredhospitalisation of an insured child under age 18)Up to the maximum benefit
Psychiatric treatmentUp to the maximum benefit, max. of 30 days
Standard private room (room and board)100% UCR, up to the maximum benefit

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).

DescriptionCoverage
Complementary therapy including physiotherapy, Traditional ChineseMedicine (TCM) and Ayurvedic treatmentUp to the maximum benefit, pre-authorisation requiredafter 10 sessions
Day-care treatmentUp to the maximum benefit
General practitioner and specialist feesUp to the maximum benefit
Hormone replacement therapy to relieve the symptoms of menopauseUp to US$350
Nursing care at homeUp to the maximum benefit, max. of 120 days
Out-patient surgeryUp to the maximum benefit
Out-patient prescription drugsUp to the maximum benefit
Psychiatric treatmentUp to US$7,500
Travel vaccinations and preventive medication, e.g., against malariaUp to US$350
DescriptionCoverage
Congenital and/or hereditary conditions from birth up to 30 days Covered under the newborn benefit
Congenital and/or hereditary conditions after 30 days from birth Up to US$125,000
Diagnostic study services (laboratory tests, X-rays, CT, PET and MRIscans) Up to the maximum benefit
External prostheses Up to US$2,500 per policy year
Gene therapiesUp to US $500,000
HIV-AIDS treatmentUp to US$50,000
Oncology (tests, drugs and treatments approved by the FDA orequivalent domestic/ international regulatory body)Up to the maximum benefit
Organ Transplant (per organ/tissue, per lifetime)Up to the maximum benefit,including up to US$50,000 for donor costs
Prescribed rehabilitation therapiesUp to the maximum benefit, max. of 120 days per medical condition
Reconstructive surgery Up to the maximum benefit
Renal failure and dialysis Up to the maximum benefit
Routine management of chronic conditionsUp to the maximum benefit
Surgical procedures Up to the maximum benefit
Terminal illness / palliative care Up to US$125,000 per lifetime
DescriptionCoverage
Maternity and birth complicationsUp to the maximum benefit
Maternity careUp to US$15,000
Newborn coverUp to US$125,000
DescriptionCoverage
Emergency transportation by air ambulance & emergency medicalevacuationUp to the maximum benefit
Repatriation of mortal remainsUp to the maximum benefit, US$15,000 for burial or cremation costs
DescriptionCoverage
Emergency dental treatmentUp to the maximum benefit
Emergency non-elective treatment outside the geographical area ofcoverage• Up to the maximum benefit for injuries
• Up to US$50,000 for illnesses
• Up to US$500 for out-patient hospital visits
Emergency transportation by ground ambulanceUp to the maximum benefit
Hospital cash benefit Up to US$400 per night, max. of 30 nights
Passive war and terrorism Up to the maximum benefit
Routine and major dental treatment coverUp to US$1,000 for routine and up to US$2,000 for complex,subject to a 20% co-insurance
Second Medical Opinion VIP®Access to the medical opinion of internationally renownedexperts from around the world regarding a condition, nodeductible applies
USA elective treatment (only available for insureds who chose theworldwide including USA elective treatment geographical area ofcover)Up to US$3,000,000
DescriptionCoverage
Evacuation to country of choice, country of residence or homecountryUp to the maximum benefit
Medical history disregardedFor compulsory group policies of 10 employees or more
Non-emergency evacuationUp to US$2,000
Semi-private roomHospital room equipped to accommodate two (2) or more patients, with shared bathroom. If shared rooms are not available in the country where the insured is staying in the event of a medical emergency or an accident making it impossible to transfer to a facility offering shared rooms, this benefit will cover the cost of a standard private room (based on UCR costs charged locally). This benefit does not cover the cost of a private room for scheduled hospitalisation.
Wellness and optical Option I - US$500
Option II - US$1,000

*Subject to purchase.

 

WAITING PERIODS

DescriptionCoverage
Dental9 months
HIV-AIDS 36 months
Maternity and new-born complications 12 months
Maternity care12 months

Effective from 1 July 2025, or after the renewal.