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, with no restrictions of doctors and hospitals	100%* with free choice of doctors and hospitals	Worldwide, with no restrictions of doctors and hospitals	100%* with free choice of doctors and hospitals	Worldwide, with no restrictions of doctors and hospitals
Coverage inside USA	Worldwide, with no restrictions of doctors and hospitals	100%* within the LEVERAGE® US Network Outside the LEVERAGE® US network: Coverage 60%, with a daily maximum rate of US$700 for a standard room and US$1,400 for intensive care Emergency medical treatment: 100%* up to policy limits	Worldwide, with no restrictions of doctors and hospitals	100% within the EVER® US Network Outside the EVER® US Network: Coverage 70%, with a daily maximum rate of US$800 for a standard room US$1,500 for intensive care Emergency medical treatment: 100%* up to policy limits	Worldwide, with no 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, up to 45 nights	100%*, no night limit
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%*, up to 30 nights	100%, maximum 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, max 15 consultations per year	100%*	100%*	100%*	100%*
Prescription medication	Up to US$2,500 per insured	US$15,000	100%*	US$55,000	100%*
Nurse or therapist care at home	Up to US$150 per day, max 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	OPTION I US$100 from 18 years old	OPTIONS I, II & III: US$150 up to 17 years old US$350 from 18 years old OPTIONS IV, V & VI: US$100, all ages	OPTIONS I & II US$100 up to 17 years old US$150 at 18 years and older	ALL OPTIONS: US$300 per visit, up to 6 visits, for insureds from 0 to 12 months old OPTIONS I, II & III Up to US$500 from 12 months old, including up to US$75 for preventive dental check-up
Hearing aids	Up to US$1,250 per insured, lifetime	US$550 lifetime	US$2,500 lifetime	US$1,200 per lifetime	US$4,000 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 if not born under covered maternity and developed the condition while insured
Preventive vision care (Option I)	N/A	N/A	N/A	N/A	US$500, max. 2 visits per policy year
Preventive dental care (Option I)	N/A	N/A	N/A	N/A	US$500, max. 2 visits per policy year

	EVERLASTING	LEVERAGE	EVERYWHERE	EVERMORE	EVEREST
Surgeon and anesthesiologist fees	US$3,500,000 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 lifetime	US$5,000,000	US$35,000 lifetime (after a 12-month waiting period)	US$35,000 lifetime (after a 12-month waiting period)	US$50,000 lifetime (after a 12-month waiting period)
Dialysis services	US$3,500,000 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, lifetime	US$350,000 lifetime. Includes live donor expenses	US$1,500,000 lifetime (including live donor expenses)	US$500,000 lifetime, with an additional US$500,000 available (with rider). Includes live donor expenses	US$5,000,000 lifetime (Includes live donor expenses)
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 lifetime	US$2,000	US$4,000	US$3,500	US$6,000
Congenital conditions diagnosed before age 18	US$3,500,000 lifetime	US$150,000 lifetime	US$2,100,000 lifetime	US$500,000 lifetime	US$2,100,000 lifetime
Congenital conditions diagnosed after age 18	US$3,500,000 lifetime	100%*	100%*	100%*	100%*
HIV-AIDS	US$3,500,000 lifetime	US$5,000,000	US$1,000,000 lifetime (after a 24-month waiting period)	US$250,000 lifetime (after a 48-month waiting period)	US$1,100,000 lifetime (after a 24-month waiting period)
Bariatric surgery	US$3,500,000 lifetime	US$5,000,000	US$15,000 lifetime (after a 24-month waiting period)	US$5,000 lifetime (after a 24-month waiting period)	US$25,000 lifetime (after a 24-month waiting period)
Surgical treatment of symptomatic foot disorders	US$3,500,000 lifetime	US$5,000,000	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 lifetime	US$4,000, no deductible applies	US$8,500 per normal delivery or C-section (if only the mother is insured) US$10,000 per normal delivery or C-section (if both parents are insured)	US$5,000, no deductible applies IIncludes stem cell extraction and storage	100%* normal delivery or scheduled C-section in a hospital with self-pay package US$10,000 for normal delivery or scheduled C-section (if only the mother is insured) US$15,000 per normal delivery or scheduled C-section (if both parents are insured)
Stem cell collection and storage	US$3,500,000 lifetime	US$5,000,000	US$1,000 per covered pregnancy	US$5,000,000	US$2,500 per covered pregnancy
Maternity and newborn complications	US$3,500,000 lifetime	US$150,000 lifetime	US$1,000,000 lifetime	US$500,000 lifetime	US$1,250,000 lifetime
Inclusion of the newborn within 90 days after the birth	US$3,500,000 lifetime	No medical evaluation if born in a covered maternity	No medical evaluation if born in a covered maternity	No medical evaluation if born in a covered maternity	No risk if born under covered maternity
Free coverage for dependents up to 5 years old	US$3,500,000 lifetime	US$5,000,000	US$8,000,000	US$5,000,000	Max. of 2 children if both parents are insured Max. of 1 if only the mother is insured
Fertility treatment	US$3,500,000 lifetime	US$5,000,000	US$8,000,000	US$5,000,000	US$6,000 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 lifetime	US$5,000,000	US$1,200 per insured	US$550 per insured	US$3,000 per insured
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 lifetime	100%*	100%*	100%*	100%*
Emergency dental coverage	US$25,000 for treatment within the first 90 days of covered accident	100% (treatment within the first 180 days of a covered accident)	100%* (treatment within the first 180 days of a covered accident)	100%*	100% within the first 180 days of a covered accident
Refractive eye surgery	US$3,500,000 lifetime	US$5,000,000	US$550 per eye, per lifetime (after a 24-month waiting period)	US$5,000,000	US$750 per eye, 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 lifetime	US$5,000,000	2 years	1 years	2 years
Deductible elimination/reduction for no claims for 3 years	US$3,500,000 lifetime	OPTIONS I: Elimination for 1 year after the third year without claims 50% reduction of the deductible for 1 year after the third year, if the deductible has not been met in any of the years OPTIONS II, III & IV: 50% deductible reduction for 1 year after the third claim-free year	OPTIONS I, II, III & IV: Elimination for 1 year after the third year without claims 50% reduction of the deductible for 1 year after the third year, if the deductible has not been met in any of the years OPTIONS V & VI 50% deductible reduction 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 third year without claims 50% reduction of the deductible for 1 year after the third year, if the deductible has not been met in any of the years OPTIONS V & VI 50% deductible reduction for 1 year after the third claim-free year
Executive checkup	US$3,500,000 lifetime	US$5,000,000	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 lifetime	US$5,000,000	N/A	US$5,000,000	Up to US$1,500, lifetime, after 10-months waiting period (options I, II, and III)
Male Sterilization (Vasectomy)	US$3,500,000 lifetime	US$5,000,000	N/A	US$5,000,000	Up to US$1,500, lifetime, after 24-months waiting period (options I, II, and III)
Nutritionist visits	US$3,500,000 lifetime	US$5,000,000	Up to 5 visits per policy year	US$5,000,000	Up to 5 visits per policy year
EVER Expert Medical Review®	Unlimited access to world-renowned medical expert second opinions, no deductible applies	Unlimited access to world-renowned medical expert second opinions, no deductible applies	Unlimited access to world-renowned medical expert second opinions, no deductible applies	Unlimited access to medical reviews from recognized world experts, deductible does not apply	Unlimited access to world-reowned medical expert second opinions, no deductible applies