COMPARISON TEST

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PLAN INFORMATION

EVEREST. EVERYWHERE. EVERMORE. LEVERAGE. EVERLASTING.
Maximum coverage per person, per policy Up to 79 years oldyear Up to 79 years old Up to 79 years old Up to 79 years old Up to 79 years old 60 – 90 years
Waiting period 30 days 30 days 30 days 30 days 30 days
Coverage outside USA Worldwide, no physician and hospital restrictions Worldwide, no physician and hospital restrictions 100%* with free choice of hospitals and doctors 100%* with free choice of hospitals and doctors Worldwide, no physician and hospital restrictions
Coverage inside USA Worldwide, no physician and hospital restrictions Worldwide, no physician and hospital restrictions
  • 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
  • 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, no physician and hospital restrictions

INPATIENT PROVISIONS

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

OUTPATIENT PROVISIONS

EVEREST. EVERYWHERE. EVERMORE. LEVERAGE. EVERLASTING.
Emergency care 100%* 100%* 100%* 100%* US$5,000 per visit, maximum 5 visits per policy year
Physician and specialist visits 100%* 100%* 100%* 100%* Up to US$50,000 per policy year
Physician and specialist home visits 100%* 100%* 100%* 100%* Up to US$125 per consultation, maximum 15 consultations per year
Prescription medication 100%* 100%* US$15.000 US$6.000 Up to US$2,500 per insured
Complementary therapies: chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture US$15,000 US$5,000 N/A N/A N/A
Nurse or therapist care at home 100%* 100%* US$12,000 US$7,000 Up to US$150 per day, maximum 30 days per policy year
Preventive health checkup, per insured, no deductible applies ALL OPTIONS

  • US$300 per visit, up to 6 visits, for insureds 0 to 12 months of age

OPTIONS I, II & III

  • Up to US$500 from 12 months of age, including up to US$75 per preventive dental checkup
 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
 OPTIONS I & II

  • US$100 up to 17 years old
  • US$150 at 18 years and older
 N/A ALL OPTIONS

  • US$250 per insured (after a 12-month waiting period)
Hearing aids US$4,000 per lifetime US$2,500 per lifetime US$1,200 per lifetime US$550 per lifetime US$1.250 per lifetime
Alzheimer’s disease 100%* 100%* 100%* 100%* N/A
Autism treatment
  • 100%* if the insured was born under covered maternity
  • US$12,000 for insureds who were not born under a covered maternity and who developed the disease while insured
 Included within the benefits of specialized treatments Included within the benefits of specialized treatments Included within the benefits of specialized treatments N/A
Allergy treatment 100%* 100%* 100%* 100%* 100%*
Physical therapy and rehabilitation 100%* 100%* US$12,500 US$7,000 N/A

GENERAL PROVISIONS

The following benefits offer the same coverage for both inpatient and outpatient procedures.

EVEREST. EVERYWHERE. EVERMORE. LEVERAGE. EVERLASTING.
Surgeon and anesthesiologist fees 100%* 100%* 100%* 100%* Up to US$50,000 per surgery, maximum 2 surgeries per policy year
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/ PET scans) 100%* 100%* 100%* 100%* Only as preoperative with pre-approval. Up to US$1,000, per exam, per insured
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication 100%* 100%* 100%* 100%* Up to US$200.000 per insured
Surgery to reduce the risk of cancer or prophylactic surgery US$50,000 per lifetime (after a 12-month waiting period) US$35,000 per lifetime (after a 12-month waiting period) US$35,000 per lifetime (after a 12-month waiting period) N/A N/A
Dialysis services 100%* 100%* 100%* 100%* 100%*
Prostheses and medical appliances implanted during surgery 100%* 100%* 100%* 100%* 100%*
Organ transplant (per organ/tissue) US$5,000,000 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$350,000 per lifetime Includes expenses of the live donor US$200,000, per lifetime. US$25,000, per lifetime, in expenses of the live donor
Durable medical equipment 100%* 1 100%* 1 US$12,000 US$8,000 Up to US$2.250 per insured
Physical therapy and rehabilitation 100%* 100%* 100%* 100%* Up to US$100 per visit, maximum 30 visits
Specialized treatments (occupational therapy, speech therapy, sleep apnea and other sleep disorders) US$6,000 US$4,000 US$3,500 US$2,000 N/A
Congenital conditions diagnosed before age 18 US$2,100,000 per lifetime US$2,100,000 per lifetime US$500,000 per lifetime US$150,000 per lifetime N/A
Congenital conditions diagnosed after age 18 100%* 100%* 100%* 100%* N/A
HIV-AIDS US$1,100,000 per lifetime (after a 24-month waiting period) US$1,000,000 per lifetime (after a 24-month waiting period) US$250,000 per lifetime (after a 48-month waiting period) N/A N/A
Bariatric surgery US$25.000 per lifetime (after a 24-month waiting period) US$15.000 per lifetime (after a 24-month waiting period) US$5.000 per lifetime (after a 24-month waiting period) N/A N/A
Surgical treatment of symptomatic foot disorders 100%* (after a 24-month waiting period) 100%* (after a 24-month waiting period) 100%* (after a 24-month waiting period) N/A N/A
Reconstructive surgery after an accident or illness Up to the benefit limit Up to the benefit limit Up to the benefit limit Up to the benefit limit Up to the benefit limit

MATERNITY PROVISIONS

10-month waiting period, no deductible applies.

EVEREST. EVERYWHERE. EVERMORE. LEVERAGE. EVERLASTING.
Maternity OPTIONS I, II & III

  • 100%* normal delivery or scheduled cesarian delivery in a hospital with selfpay package
  • US$10,000 for normal delivery (if only mother is insured)
  • US$12,000 for cesarean delivery (if both parents are insured)
 OPTIONS I, II & III

  • US$8,500 for normal delivery (if only mother is insured)
  • US$10,000 for cesarean delivery (If both parents are insured)
 OPTIONS I & II

  • US$5,000, no deductible applies
  • Includes extraction and storage of umbilical cord blood stem cells
 OPTIONS I & II

  • US$4,000, no deductible applies
 N/A
Stem cell collection and storage OPTIONS I, II & III

  • US$2,500 per pregnancy covered
 OPTIONS I, II & III

  • US$1,000 per pregnancy covered
 N/A N/A N/A
Maternity and newborn complications OPTIONS I, II & III

  • US$1,250,000 per lifetime
 OPTIONS I, II & III

  • US$1,000,000 per lifetime
 OPTIONS I & II

  • US$500,000 per lifetime
 OPTIONS I & II

  • US$150,000 per lifetime
 N/A
Inclusion of the newborn within 90 days after the birth OPTIONS I, II & III

  • Without underwriting, if born from a covered maternity
 OPTIONS I, II & III

  • Without underwriting, if born from a covered maternity
 OPTIONS I & II

  • Without underwriting, if born from a covered maternity
 OPTIONS I & II

  • Without underwriting, if born from a covered maternity
 N/A
Free coverage for dependents up to 5 years old OPTION I

  • 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
 N/A N/A N/A N/A
Fertility treatment OPTIONS I & II

  • US$6,000 per lifetime, after deductible (after a 24-month waiting period)
 N/A N/A N/A N/A

MEDICAL EVACUATION PROVISIONS

EVEREST. EVERYWHERE. EVERMORE. LEVERAGE. EVERLASTING.
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 100%*, no deductible applies 100%*, no deductible applies US$65,000, no deductible applies US$45,000, no deductible applies US$30,000, deductible applies
Cost of return ticket for the insured and one companion after an evacuation by air ambulance US$3,000 per person US$1,200 per person US$550 per person N/A N/A
Repatriation or cremation of mortal remains 100%* 100%* US$45,000 US$7,000 US$10,000

OTHER PROVISIONS

EVEREST. EVERYWHERE. EVERMORE. LEVERAGE. EVERLASTING.
High-risk sports and activities 100%* 100%* 100%* 100%* N/A
Emergency dental coverage 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%* for treatment within the first 180 days of the covered accident 100%* for treatment within the first 180 days of the covered accident US$25,000 for treatment within the first 90 days of the covered accident
Refractive eye surgery US$750 per eye, per lifetime (after a 24-month waiting period) US$550 per eye, per lifetime (after a 24-month waiting period) N/A N/A N/A
Palliative care 100%* 100%* 100%* 100%* US$750 per day, up to 120 days
Temporary coverage for accidents while the application is being underwritten US$40,000 US$35,000 US$35,000 US$30,000 US$40,000
Free extended coverage for eligible dependents after the policyholder’s death 2 years 2 years 1 years N/A N/A
Deductible elimination/reduction for no claims for 3 years 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
 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
 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
 OPTION I & II

  • 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 III & IV

  • Reduction of 50% of the deductible for 1 year after the 3rd year without claims
 N/A
Executive checkup Up to US$1,500, after a 24-month waiting period within the EVER® Prevent Network. Up to US$1,000, after a 24-month waiting period within the EVER® Prevent Network. Up to US$750, after a 24-month waiting period within the EVER® Prevent Network. N/A N/A
Female Sterilization (Tubal Ligation) OPTIONS I, II & III

  • Up to US$1.500 per lifetime, after 10-months waiting period
 N/A N/A N/A N/A
Male Sterilization (Vasectomy) OPTIONS I, II & III

  • Up to US$1.500 per lifetime, after 24-months waiting period
 N/A N/A N/A N/A
Nutritionist visits Up to 5 visits per policy year Up to 5 visits per policy year N/A N/A N/A
EVER Expert Medical Review® 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 Unlimited access to medical reviews from recognized world experts, deductible does not apply

ALL CONTENTS OF THIS COMPARATIVE ARE ONLY FOR INFORMATIONAL PURPOSES.
THE BENEFITS ARE GOVERNED BY THE TERMS DESCRIBED IN THE CONDITIONS OF COVERAGE OF EACH POLICY

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