GLOBAL FLEX VIP TOTAL

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 out-patient per
visit excess

US$30 out-patient per
visit excess

10% out-patient
co-insurance, up to a
maximum out of pocket
of US$2,000

20% out-patient
co-insurance, up to a
maximum out of pocket
of US$4,000

30% out-patient
co-insurance, up to a
maximum out of pocket
of US$6,000

TABLE OF BENEFITS

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General Info

DescriptionCoverage
Maximum cover per person, per policy yearUS$5,000,000
Maximum age to apply for coverage 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)

Up to policy maximum
Psychiatric treatmentUp to policy maximum, max. of 30 days
Standard private room (room and board)100% UCR, up to policy maximum

Outpatient Benefits

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$500
Nursing care at homeUp to policy maximum, max. of 120 days
Out-patient surgery Up to the maximum benefit
Out-patient prescription drugsUp to the maximum benefit
Psychiatric treatmentUp to US$10,000
Travel vaccinations and preventive medication e.g. against malariaUp to US$500

General Benefits

DescriptionCoverage
Congenital and/or hereditary conditions after 30 days from birthUp to US$150,000
Congenital and/or hereditary conditions from birth up to 30 daysCovered under the newborn benefit
Diagnostic study services (laboratory tests, X-rays, CT, PET and MRIscans) Up to the maximum benefit
External prostheses Up to US$3,000 per policy year
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) Full refund including US$50,000 for donor costs
Prescribed physical therapy and rehabilitationUp to the maximum benefit, max. of 120 days per medicalcondition
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$150,000 per lifetime

Maternity

DescriptionCoverage
IVF (fertility treatment)Up to US$10,000 per lifetime, up to US$2,500 per attempt andsubject to a 25% co-insurance
Maternity and birth complications Up to the maximum benefit
Maternity careUp to US$20,000
New-born coverUp to US$150,000

Medical Evacuation

DescriptionCoverage
Emergency transportation by air ambulance & emergency medical evacuationUp to policy maximum
Repatriation of mortal remainsUp to policy maximum, US$20,000 for burial or cremation costs

Other Benefits

DescriptionCoverage
Emergency dental treatment Up 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 ambulance Up to the maximum benefit
Hospital cash benefit Up to US$450 per night, max. of 30 nights
Passive war and terrorism Up to the maximum benefit
Refractive eye surgery Up to US$1,000 (per lifetime)
Routine and major dental treatment coverUp to US$1,500 for routine and up to US$3,000 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

Optional Benefits

DescriptionCoverage
Evacuation to country of choice, country of residence or homecountry Up to the maximum benefit
Non-emergency evacuation Up to US$2,000
Wellness and optical • Option I - US$500
• Option II - US$1,000

WAITING PERIODS

DescriptionCoverage
Dental9 months
HIV-AIDS 36 months
IVF (fertility treatment)24 months
Refractive eye surgery12 months
Maternity and newborn complications 12 months
Maternity care12 months