COMPARISON

“Select at least two plans to make the comparison.”

Imagen del Plan 2
Imagen del Plan 4
Imagen del Plan 6
Imagen del Plan 8
Imagen del Plan 10

■ PLAN INFORMATION

EVEREST EVERMORE EVERYWHERE 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 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 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
  • 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

■ INPATIENT PROVISIONS

EVEREST EVERMORE EVERYWHERE 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%* N/A Up to US$3,000 per day within the EVER® US Network 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%*, no night limit US$150 per night, up to 45 nights US$350 per night, max. of 30 nights US$150 per night, max. of 30 nights US$150 per night, maximum 30 nights
Adult companion accomodation expenses of a hospitalized insured over 18 years old 100%, maximum of 30 nights 100%*, up to 30 nights 100%*, max. of 30 nights 100%*, max. of 30 nights US$150 per night, maximum 30 nights
Prescribed medications while hospitalized 100%* 100%* 100%* 100%* N/A
Psychiatric treatments US$5,000* US$2,000 US$3,000 US$1,000 N/A

■ OUTPATIENT PROVISIONS

EVEREST EVERMORE EVERYWHERE 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, max 15 consultations per year
Prescription medication 100%* US$55,000 100%* US$15,000 Up to US$2,500 per insured
Complementary therapies: chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture US$15,000 N/A US$5,000 N/A N/A
Nurse or therapist care at home 100%* US$12,000 100%* US$7,000 Up to US$150 per day, max 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 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
 OPTIONS I & II
  • US$100 up to 17 years old
  • US$150 at 18 years and older
 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
 OPTION I
  • US$100 from 18 years old
 US$250 per insured
Hearing aids US$4,000 lifetime US$1,200 per lifetime US$2,500 lifetime US$550 lifetime Up to US$1,250 per insured, lifetime
Alzheimer’s disease 100%* 100%* 100%* 100%* N/A
Autism treatment
  • 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
 N/A N/A N/A N/A
Allergy treatment 100%* 100%* 100%* 100%* 100%*
Preventive vision care (Option I) US$500, max. 2 visits per policy year N/A N/A N/A N/A
Preventive dental care (Option I) US$500, max. 2 visits per policy year N/A N/A N/A N/A
Physical therapy and rehabilitation N/A US$12,500 100%* US$7,000 N/A

■ GENERAL PROVISIONS

EVEREST EVERMORE EVERYWHERE LEVERAGE EVERLASTING
Surgeon and anesthesiologist fees 100%* 100%* 100%* 100%* US$3,500,000 lifetime
Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/ PET scans) 100%* 100%* 100%* 100%* 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 lifetime (after a 12-month waiting period) US$35,000 lifetime (after a 12-month waiting period) US$35,000 lifetime (after a 12-month waiting period) US$5,000,000 US$3,500,000 lifetime
Dialysis services 100%* 100%* 100%* 100%* US$3,500,000 lifetime
Prostheses and medical appliances implanted during surgery 100%* 100%* 100%* 100%* 100%*
Organ transplant (per organ/tissue) US$5,000,000 lifetime (Includes live donor expenses) US$500,000 lifetime, with an additional US$500,000 available (with rider). Includes live donor expenses US$1,500,000 lifetime (including live donor expenses) US$350,000 lifetime.
Includes live donor expenses 		US$200.000, lifetime
Durable medical equipment 100%* US$12,000 100%* US$8,000 Up to US$2,250 per insured
Physical therapy and rehabilitation 100%* US$12,500 100%* US$7,000 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$3,500 US$4,000 US$2,000 US$3,500,000 lifetime
Congenital conditions diagnosed before age 18 US$2,100,000 lifetime US$500,000 lifetime US$2,100,000 lifetime US$150,000 lifetime US$3,500,000 lifetime
Congenital conditions diagnosed after age 18 100%* 100%* 100%* 100%* US$3,500,000 lifetime
HIV-AIDS US$1,100,000 lifetime (after a 24-month waiting period) US$250,000 lifetime (after a 48-month waiting period) US$1,000,000 lifetime (after a 24-month waiting period) US$5,000,000 US$3,500,000 lifetime
Bariatric surgery US$25,000 lifetime (after a 24-month waiting period) US$5,000 lifetime (after a 24-month waiting period) US$15,000 lifetime (after a 24-month waiting period) US$5,000,000 US$3,500,000 lifetime
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) US$5,000,000 US$3,500,000 lifetime
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 100%*

■ MATERNITY PROVISIONS

EVEREST EVERMORE EVERYWHERE LEVERAGE EVERLASTING
Maternity
  • 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)
  • US$5,000, no deductible applies
  • IIncludes stem cell extraction and storage
  • 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$4,000, no deductible applies US$3,500,000 lifetime
Stem cell collection and storage US$2,500 per covered pregnancy US$5,000,000 US$1,000 per covered pregnancy US$5,000,000 US$3,500,000 lifetime
Maternity and newborn complications US$1,250,000 lifetime US$500,000 lifetime US$1,000,000 lifetime US$150,000 lifetime US$3,500,000 lifetime
Inclusion of the newborn within 90 days after the birth No risk if born under covered maternity 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 US$3,500,000 lifetime
Free coverage for dependents up to 5 years old
  • Max. of 2 children if both parents are insured
  • Max. of 1 if only the mother is insured
 US$5,000,000 US$8,000,000 US$5,000,000 US$3,500,000 lifetime
Fertility treatment US$6,000 lifetime, after deductible (after a 24-month waiting period) US$5,000,000 US$8,000,000 US$5,000,000 US$3,500,000 lifetime

■ MEDICAL EVACUATION PROVISIONS

EVEREST EVERMORE EVERYWHERE 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 US$65,000, no deductible applies 100%*, no deductible applies US$45,000, no deductible applies Up to US$30,000, no deductible applies
Cost of return ticket for the insured and one companion after an evacuation by air ambulance US$3,000 per insured US$550 per insured US$1,200 per insured US$5,000,000 US$3,500,000 lifetime
Repatriation or cremation of mortal remains 100%* US$45,000 100%* US$7,000 US$10,000

■ OTHER PROVISIONS

EVEREST EVERMORE EVERYWHERE LEVERAGE EVERLASTING
High-risk sports and activities 100%* 100%* 100%* 100%* US$3,500,000 lifetime
Emergency dental coverage 100% within the first 180 days of a covered accident 100%* 100%* (treatment within the first 180 days of a covered accident) 100% (treatment within the first 180 days of a covered accident) US$25,000 for treatment within the first 90 days of covered accident
Refractive eye surgery US$750 per eye, lifetime (after a 24-month waiting period) US$5,000,000 US$550 per eye, per lifetime (after a 24-month waiting period) US$5,000,000 US$3,500,000 lifetime
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 1 years 2 years US$5,000,000 US$3,500,000 lifetime
Deductible elimination/reduction for no claims for 3 years 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
 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
 US$3,500,000 lifetime
Executive checkup Up to US$1,500, 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$1,000 (after a 24-month waiting period within the EVER® Prevent network) US$5,000,000 US$3,500,000 lifetime
Female Sterilization (Tubal Ligation) Up to US$1,500, lifetime, after 10-months waiting period (options I, II, and III) US$5,000,000 N/A US$5,000,000 US$3,500,000 lifetime
Male Sterilization (Vasectomy) Up to US$1,500, lifetime, after 24-months waiting period (options I, II, and III) US$5,000,000 N/A US$5,000,000 US$3,500,000 lifetime
Nutritionist visits Up to 5 visits per policy year US$5,000,000 Up to 5 visits per policy year US$5,000,000 US$3,500,000 lifetime
EVER Expert Medical Review® Unlimited access to world-reowned medical expert second opinions, no deductible applies Unlimited access to medical reviews from recognized world experts, deductible does not apply 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
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