COMPARISON

	EVEREST	EVERYWHERE	EVERMORE	LEVERAGE	CLEVER	EVERLASTING
Maximum coverage per person, per policy Up to 79 years oldyear	Unlimited	US$8,000,000	US$5,000,000	US$2,500,000	US$1.000.000	US$3,500,000 lifetime
Age limit	Up to 79 years old	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	30 days
Coverage inside USA	Worldwide, with no restrictions of doctors and hospitals	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	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	• 100%* at LEVERAGE® US Network Providers • Outside the LEVERAGE® US Network, coverage will be 60%, with a maximum daily rate of up to US$700 for a standard room and up to US$1,400 per day for intensive care • Emergency medical treatment will be covered at 100%* up to the policy limits	Worldwide, with no restrictions of doctors and hospitals
Coverage outside USA	Worldwide, with no restrictions of doctors and hospitals	Worldwide, with no restrictions of doctors and hospitals	100%* with free choice of doctors and hospitals	100%* with free choice of doctors and hospitals	100%* with free choice of doctors and hospitals	Worldwide, with no restrictions of doctors and hospitals

	EVEREST	EVERYWHERE	EVERMORE	LEVERAGE	CLEVER	EVERLASTING
Standard private/semi-private hospital room	100%*	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	N/A
Intensive care unit	100%*	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$350 per night, max. of 30 nights	US$150 per night, up to 45 nights	US$150 per night, up to 45 nights	US$150 per night, max. 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%*, max. of 30 nights	100%*, up to 30 nights	100%*, up to 30 nights	100%, max. 21 nights	US$150 per night, maximum 30 nights
Prescribed medications while hospitalized	100%*	100%*	100%*	100%*	100%*	N/A
Psychiatric treatments	US$5,000*	US$3,000	US$2,000	US$1,000	N/A	N/A
Physical therapy and rehabilitation	100%*	100%*	100%*	100%*	100% UCR in covered conditions	Up to US$100 per visit, maximum 30 visits

	EVEREST	EVERYWHERE	EVERMORE	LEVERAGE	CLEVER	EVERLASTING
Emergency care	100%*	100%*	100%*	100%*	100% in covered conditions	US$5,000 per visit, maximum 5 visits per policy year
Physician and specialist visits	100%*	100%*	100%*	100%*	100% in covered conditions	Up to US$125 per consultation, max 15 consultations per year
Physician and specialist home visits	100%*	100%*	100%*	100%*	100% in covered conditions	N/A
Prescription medication	100%*	100%*	US$55,000	US$15,000	US$5,000	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	N/A
Nurse or therapist care at home	100%*	100%*	US$12,000	US$7,000	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$400 per visit, up to 6 visits, for insureds from 0 to 12 months old OPTIONS I, II & III Up to US$600 from 12 months old, including up to US$75 for preventive dental check-up	OPTIONS I, II & III: US$250 up to 17 years old US$450 from 18 years old OPTIONS IV, V & VI: US$200, all ages	OPTIONS I & II US$200 up to 17 years old US$250 at 18 years old	OPTION I US$200 from 18 years old	N/A	US$250 per insured
Preventive vision care (Option I)	US$500, max. 2 visits per policy year	N/A	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	N/A
Hearing aids	US$4,000 lifetime	US$2,500 lifetime	US$1,200 per lifetime	US$550 lifetime	N/A	Up to US$1,250 per insured, lifetime
Alzheimer’s disease	100%*	100%*	100%*	100%*	N/A	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	Included within the specialized treatment benefit	Included within the specialized treatment benefit	Included within the specialized treatment benefit	N/A	N/A
Allergy treatment	100%*	100%*	100%*	100%*	N/A	100%*
Physical therapy and rehabilitation	100%*	100%*	US$12,500	US$7,000	100% UCR in covered conditions	N/A

	EVEREST	EVERYWHERE	EVERMORE	LEVERAGE	CLEVER	EVERLASTING
Surgeon and anesthesiologist fees	100%*	100%*	100%*	100%*	100% in covered conditions	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%*	100% in Covered Conditions	Up to US$1,000, per exam, per insured
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication	100%*	100%*	100%*	100%*	US$250.000	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)	N/A	N/A	N/A
Dialysis services	100%*	100%*	100%*	100%*	US$200,000	N/A
Prostheses and medical appliances implanted during surgery	100%*	100%*	100%*	100%*	N/A	100%*
Organ transplant (per organ/tissue)	US$5,000,000 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$350,000 lifetime. Includes live donor expenses	US$550,000 lifetime Includes US$100,000 benefit for living donor expenses	US$200.000, lifetime
Living donor expenses included in the organ transplant	N/A	N/A	N/A	N/A	N/A	US$25,000, lifetime
Durable medical equipment	100%*	100%*	US$12,000	US$8,000	US$7,000 in Covered Conditions	Up to US$2,250 per insured
Physical therapy and rehabilitation	100%*	100%*	US$12,500	US$7,000	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$4,000	US$3,500	US$2,000	N/A	N/A
Congenital conditions diagnosed before age 18	US$2,100,000 lifetime	US$2,100,000 lifetime	US$500,000 lifetime	US$150,000 lifetime	10% of the benefit in Covered Conditions, Lifetime	N/A
Congenital conditions diagnosed after age 18	100%*	100%*	100%*	100%*	50% of the benefit in Covered Conditions, Lifetime	N/A
HIV-AIDS	US$1,100,000 lifetime (after a 24-month waiting period)	US$1,000,000 lifetime (after a 24-month waiting period)	US$250,000 lifetime (after a 48-month waiting period)	N/A	N/A	N/A
Bariatric surgery	US$25,000 lifetime (after a 24-month waiting period)	US$15,000 lifetime (after a 24-month waiting period)	US$5,000 lifetime (after a 24-month waiting period)	N/A	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	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 maximum benefit	100%*

	EVEREST	EVERYWHERE	EVERMORE	LEVERAGE	CLEVER	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$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	US$4,000, no deductible applies	N/A	N/A
Stem cell collection and storage	US$2,500 per covered pregnancy	US$1,000 per covered pregnancy	N/A	N/A	N/A	N/A
Maternity and newborn complications	US$1,250,000 lifetime	US$1,000,000 lifetime	US$500,000 lifetime	US$150,000 lifetime	N/A	N/A
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	N/A	N/A
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	N/A	N/A	N/A	N/A	N/A
Fertility treatment	US$6,000 lifetime, after deductible (after a 24-month waiting period)	N/A	N/A	N/A	N/A	N/A

	EVEREST	EVERYWHERE	EVERMORE	LEVERAGE	CLEVER	EVERLASTING
Emergency transportation by ground ambulance	100%*, no deductible applies	100%*, no deductible applies	100%*, no deductible applies	100%*, no deductible applies	100%* for Covered Conditions, 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 in Covered Conditions, 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$1,200 per insured	US$550 per insured	N/A	N/A	N/A
Repatriation or cremation of mortal remains	100%*	100%*	US$45,000	US$12,000	US$10,000	US$10,000

	EVEREST	EVERYWHERE	EVERMORE	LEVERAGE	CLEVER	EVERLASTING
High-risk sports and activities	100%*	100%*	100%*	100%*	US$100,000 lifetime benefit for multiple trauma or severe burns	N/A
Emergency dental coverage	100% within the first 180 days of a 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% (treatment within the first 180 days of a covered accident)	N/A	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$550 per eye, per lifetime (after a 24-month waiting period)	N/A	N/A	N/A	N/A
Palliative care	100%*	100%*	100%*	100%*	100%* of covered conditions	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	N/A	US$40,000
Free extended coverage for eligible dependents after the policyholder’s death	2 years	2 years	1 years	N/A	N/A	N/A
Deductible elimination/reduction for no claims for 3 years	OPTIONS I, II, III & IV: Elimination for 1 year if the deductible has not been reached in previous years OPTIONS V & VI 50% reduction if the deductible has not been reached in previous years	OPTIONS I, II, III & IV: Elimination for 1 year if the deductible has not been reached in previous years OPTIONS V & VI 50% reduction if the deductible has not been reached in previous years	OPTIONS I, II & III: Elimination for 1 year if the deductible has not been reached in previous years OPTIONS IV & V: 50% reduction if the deductible has not been reached in previous years	OPTIONS I & II: Elimination for 1 year if the deductible has not been reached in previous years OPTIONS III & IV: 50% reduction if the deductible has not been reached in previous years	N/A	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 24-months waiting period inside the EVER® Prevent Network	N/A	N/A	N/A
Female Sterilization (Tubal Ligation)	Up to US$1,500, lifetime, after 10-months waiting period (options I, II, and III)	N/A	N/A	N/A	N/A	N/A
Male Sterilization (Vasectomy)	Up to US$1,500, lifetime, after 24-months waiting period (options I, II, and III)	N/A	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	N/A
ForEVER® Fit	Up to US$150 per insured, per policy year, via reimbursement	Up to US$100 per insured, per policy year, via reimbursement	Up to US$50 per insured, per policy year, via reimbursement	N/A	N/A	N/A
EVER Expert Medical Review®	Unlimited access to world-reowned 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 world-renowned medical expert second opinions, no deductible applies	Access to a second medical opinion from renowned experts around the world, no deductible applies	Unlimited access to world-renowned medical expert second opinions, no deductible applies