COMPARISON

	EVERLASTING	LEVERAGE	EVERYWHERE	EVERMORE	EVEREST
Maximum coverage per person, per policy Up to 79 years oldyear	60 – 90 years old	Up to 79 years old	Up to 79 years old	Up to 79 years old	Up to 79 years old
Waiting period	30 days	30 days	30 days	30 days	30 days
Coverage outside USA	Worldwide, no physician and hospital restrictions	100%* with free choice of hospitals and doctors	Worldwide, without restrictions of doctors and hospitals	100%* with free choice of hospitals and doctors	Worldwide, without restrictions of doctors and hospitals
Coverage inside USA	Worldwide, no physician and hospital restrictions	100%* within the LEVERAGE® US Network Outside the LEVERAGE® US Network coverage will be 60%, with a maximum daily rate of up to US$700 per standard room and up to US$1,400 for intensive care Emergency medical treatment will be covered at 100%*, up to policy limits	Worldwide, without restrictions of doctors and hospitals	100% within the EVER® US Network Outside the EVER® US Network, the coverage will be at 70%, with a maximum daily room rate of up to US$800 for a standard room and up to US$1,500 for intensive care Emergency medical treatment will be covered 100%, up to the policy limits	Worldwide, without restrictions of doctors and hospitals

	EVERLASTING	LEVERAGE	EVERYWHERE	EVERMORE	EVEREST
Standard private/semi-private hospital room	US$2,500 per day, up to 120 days. US$750 per day for additional days	100%*	100%*	100%*	100%*
Intensive care unit	Up to US$3,300 per day, up to 30 days. US$1,000 per day for additional days	100%*	100%*	100%*	100%*
Adult companion accomodation expenses of a hospitalized insured under 18 years old	US$150 per night, maximum 30 nights	US$150 per night, max. of 30 nights	US$350 per night, max. of 30 nights	US$150 per night, max. of 45 nights	100%*, unlimited nights
Adult companion accomodation expenses of a hospitalized insured over 18 years old	US$150 per night, maximum 30 nights	100%*, max. of 30 nights	100%*, max. of 30 nights	100%*, max. of 30 nights	100%, max. of 30 nights
Prescribed medications while hospitalized	N/A	100%*	100%*	100%*	100%*
Psychiatric treatments	N/A	US$1,000	US$3,000	US$2,000	US$5,000*
Special benefit for suite accommodation (subject to availability)	N/A	N/A	Up to US$3,000 per day within the EVER® US Network	N/A	100%*

	EVERLASTING	LEVERAGE	EVERYWHERE	EVERMORE	EVEREST
Emergency care	US$5,000 per visit, maximum 5 visits per policy year	100%*	100%*	100%*	100%*
Physician and specialist visits	Up to US$50,000 per policy year	100%*	100%*	100%*	100%*
Physician and specialist home visits	Up to US$125 per consultation, maximum 15 consultations per year	100%*	100%*	100%*	100%*
Prescription medication	Up to US$2,500 per insured	US$6,000	100%*	US$55,000	100%*
Nurse or therapist care at home	Up to US$150 per day, maximum 30 days per policy year	US$7,000	100%*	US$12,000	100%*
Preventive health checkup, per insured, no deductible applies	US$250 per insured (after a 12-month waiting period)	OPTION I US$100 from 18 years of age	OPTIONS I, II & III: US$150 up to 17 years old US$350 at 18 years and older OPTIONS IV, V & VI: US$100, all ages ALL OPTIONS Up to $100 for Sports Club or Gym from 18 years of age, per insured, via reimbursement.	OPTIONS I & II US$100 up to 17 years old US$150 at 18 years and older ALL OPTIONS Up to $50 for Sports Club or Gym from 18 years of age, per insured, via reimbursement.	US$300 per visit, up to 6 visits, for insureds from 0 to 12 months of age. Up to US$500 from 12 months of age, including up to US$75 for preventive dental checkup in options I, II and III. Up to $150 for Sports Club or Gym from 18 years of age, per insured, via reimbursement, all options.
Hearing aids	Up to US$1,250 per insured, per lifetime	US$550 per lifetime	US$2,500 per lifetime	US$1,200 per lifetime	US$4,000 per lifetime.
Allergy treatment	100%*	100%*	100%*	100%*	100%*
Alzheimer’s disease	N/A	100%*	100%*	100%*	100%*
Physical therapy and rehabilitation	N/A	US$7,000	100%*	US$12,500	N/A
Complementary therapies: chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture	N/A	N/A	US$5,000	N/A	US$15,000
Autism treatment	N/A	N/A	N/A	N/A	100% if the insured was born under a covered maternity US$12,000 for insureds not born under a covered maternity, and who developed the condition while they were insured
Preventive vision care (Option I)	N/A	N/A	N/A	N/A	US$500, maximum of 2 consultations per year
Preventive dental care (Option I)	N/A	N/A	N/A	N/A	US$500, maximum of 2 consultations per year

	EVERLASTING	LEVERAGE	EVERYWHERE	EVERMORE	EVEREST
Surgeon and anesthesiologist fees	US$3,500,000 per lifetime	100%*	100%*	100%*	100%*
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/ PET scans)	Up to US$1,000, per exam, per insured	100%*	100%*	100%*	100%*
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication	Up to US$200,000 per insured	100%*	100%*	100%*	100%*
Surgery to reduce the risk of cancer or prophylactic surgery	US$3,500,000 per lifetime	US$2,500,000	US$35,000 per lifetime (after a 12-month waiting period)	US$35,000 per lifetime (after a 12-month waiting period)	US$50,000 per lifetime (after a 12-month waiting period)
Dialysis services	US$3,500,000 per lifetime	100%*	100%*	100%*	100%*
Prostheses and medical appliances implanted during surgery	100%*	100%*	100%*	100%*	100%*
Organ transplant (per organ/tissue)	US$200,000, per lifetime. US$25,000, per lifetime, in expenses of the live donor	US$350,000 per lifetime. Includes expenses of the live donor	US$1,500,000 per lifetime. Includes expenses of the live donor	US$500,000 per lifetime, with an additional US$500,000 available (with annex). Includes expenses of the live donor	US$5,000,000 per lifetime Includes expenses of the live donor
Durable medical equipment	Up to US$2,250 per insured	US$8,000	100%*	US$12,000	100%*
Physical therapy and rehabilitation	Up to US$100 per visit, maximum 30 visits	US$7,000	100%*	US$12,500	100%*
Specialized treatments (occupational therapy, speech therapy, sleep apnea and other sleep disorders)	US$3,500,000 per lifetime	US$2,000	US$4,000	US$3,500	US$6,000
Congenital conditions diagnosed before age 18	US$3,500,000 per lifetime	US$150,000 per lifetime	US$2,100,000 per lifetime	US$500,000 per lifetime	US$2,100,000 per lifetime
Congenital conditions diagnosed after age 18	US$3,500,000 per lifetime	100%*	100%*	100%*	100%*
HIV-AIDS	US$3,500,000 per lifetime	US$2,500,000	US$1,000,000 per lifetime (after a 24-month waiting period)	US$250,000 per lifetime (after a 48-month waiting period)	US$1,100,000 per lifetime (after a 24-month waiting period)
Bariatric surgery	US$3,500,000 per lifetime	US$2,500,000	US$15,000 per lifetime (after a 24-month waiting period)	US$5,000 per lifetime (after a 24-month waiting period)	US$25,000 per lifetime (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders	US$3,500,000 per lifetime	US$2,500,000	100%* (after a 24-month waiting period)	100%* (after a 24-month waiting period)	100%* (after a 24-month waiting period)
Reconstructive surgery after an accident or illness	100%*	Up to the benefit limit	Up to the benefit limit	Up to the benefit limit	Up to the benefit limit

	EVERLASTING	LEVERAGE	EVERYWHERE	EVERMORE	EVEREST
Maternity	US$3,500,000 per lifetime	US$4,000, no deductible applies	US$8,500 for normal delivery (if only mother is insured) US$10,000 for cesarean delivery (If both parents are insured)	US$5,000, no deductible applies Includes extraction and storage of umbilical cord blood stem cells	100%* normal delivery or scheduled cesarian delivery in a hospital with self-pay package US$10,000 for normal delivery (if only mother is insured) US$15,000 per normal delivery or cesarean section (if both parents are insured)
Stem cell collection and storage	US$3,500,000 per lifetime	US$2,500,000	US$1,000 per pregnancy covered	US$5,000,000	US$2,500 per covered pregnancy
Maternity and newborn complications	US$3,500,000 per lifetime	US$150,000 per lifetime	US$1,000,000 per lifetime	US$500,000 per lifetime	US$1,250,000 per lifetime
Inclusion of the newborn within 90 days after the birth	US$3,500,000 per lifetime	Without underwriting, if born from a covered maternity	Without underwriting, if born from a covered maternity	Without underwriting, if born from a covered maternity	Without underwriting, if born from a covered maternity
Free coverage for dependents up to 5 years old	US$3,500,000 per lifetime	US$2,500,000	US$8,000,000	US$5,000,000	Max. of 2 children born from a covered maternity, if both parents are insured in the policy Max. of 1 child born from a covered maternity, if only the mother is insured in the policy
Fertility treatment	US$3,500,000 per lifetime	US$2,500,000	US$8,000,000	US$5,000,000	US$6,000 per lifetime, after deductible (after a 24-month waiting period)

	EVERLASTING	LEVERAGE	EVERYWHERE	EVERMORE	EVEREST
Emergency transportation by ground ambulance	100%*, no deductible applies	100%*, no deductible applies	100%*, no deductible applies	100%*, no deductible applies	100%*, no deductible applies
Emergency transportation by air ambulance	Up to US$30,000, no deductible applies	US$45,000, no deductible applies	100%*, no deductible applies	US$65,000, no deductible applies	100%*, no deductible applies
Cost of return ticket for the insured and one companion after an evacuation by air ambulance	US$3,500,000 per lifetime	US$2,500,000	US$1,200 per person	US$550 per person	US$3,000 per person
Repatriation or cremation of mortal remains	US$10,000	US$7,000	100%*	US$45,000	100%*

	EVERLASTING	LEVERAGE	EVERYWHERE	EVERMORE	EVEREST
High-risk sports and activities	US$3,500,000 per lifetime	100%*	100%*	100%*	100%*
Emergency dental coverage	US$25,000 for treatment within the first 90 days of the covered accident of the covered accident	100%* for treatment within the first 180 days of the covered accident	100%* for treatment within the first 180 days of the covered accident	100%*	100% for treatment within the first 180 days of the covered accident
Refractive eye surgery	US$3,500,000 per lifetime	US$2,500,000	US$550 per eye, per lifetime (after a 24-month waiting period)	US$5,000,000	US$750 per eye, per lifetime (after a 24-month waiting period)
Palliative care	US$750 per day, up to 120 days	100%*	100%*	100%*	100%*
Temporary coverage for accidents while the application is being underwritten	US$40,000	US$30,000	US$35,000	US$35,000	US$40,000
Free extended coverage for eligible dependents after the policyholder’s death	US$3,500,000 per lifetime	US$2,500,000	2 years	1 years	2 years
Deductible elimination/reduction for no claims for 3 years	US$3,500,000 per lifetime	OPTIONS I: Elimination for 1 year after the 3rd year without claims Reduction of 50% of the deductible for 1 year after the 3rd year, if the deductible was not met in any of the years OPTIONS II, III & IV: Reduction of 50% of the deductible for 1 year after the 3rd year without claims	OPTIONS I, II, III & IV: Elimination for 1 year after the 3rd year without claims Reduction of 50% of the deductible for 1 year after the 3rd year, if the deductible was not met in any of the years OPTIONS V & VI 50% reduction of the deductible for 1 year after the third claim-free year	OPTIONS I, II & III: Elimination for 1 year after the 3rd year without claims Reduction of 50% of the deductible for 1 year after the 3rd year, if the deductible was not met in any of the years OPTIONS IV & V: Reduction of 50% of the deductible for 1 year after the 3rd year without claims	OPTIONS I, II, III & IV: Elimination for 1 year after the 3rd year without claims Reduction of 50% of the deductible for 1 year after the 3rd year, if the deductible was not met in any of the years OPTIONS V & VI: Reduction of 50% of the deductible for 1 year after the 3rd year without claims
Executive checkup	US$3,500,000 per lifetime	US$2,500,000	Up to US$1,000, after a 24-month waiting period within the EVER® Prevent Network	Up to US$750 (After 24-months waiting period inside the EVER® Prevent Network	Up to US$1,500, after a 24-month waiting period within the EVER® Prevent Network.
Female Sterilization (Tubal Ligation)	US$3,500,000 per lifetime	US$2,500,000	N/A	US$5,000,000	Up to US$1,500 per lifetime, after 10-months waiting period (options I, II & III)
Male Sterilization (Vasectomy)	US$3,500,000 per lifetime	US$2,500,000	N/A	US$5,000,000	Up to US$1,500 per lifetime, after 24-months waiting period (options I, II & III)
Nutritionist visits	US$3,500,000 per lifetime	US$2,500,000	Up to 5 visits per policy year	US$5,000,000	Up to 5 visits per policy year
EVER Expert Medical Review®	Access to unlimited second medical opinions from renowned experts worldwide, with no deductible	Unlimited access to medical reviews from recognized world experts, deductible does not apply	Unlimited access to medical reviews from recognized world experts, deductible does not apply	Unlimited access to medical reviews from recognized world experts, deductible does not apply	Unlimited access to medical reviews from recognized world experts, deductible does not apply