{"id":2750,"date":"2022-07-01T22:51:45","date_gmt":"2022-07-02T03:51:45","guid":{"rendered":"https:\/\/ever.itrends.dev\/leverage-2\/"},"modified":"2026-02-05T12:57:00","modified_gmt":"2026-02-05T17:57:00","slug":"leverage","status":"publish","type":"page","link":"https:\/\/everinsuranceglobal.com\/en\/leverage\/","title":{"rendered":"LEVERAGE"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row equal_height=&#8221;yes&#8221;][vc_column width=&#8221;1\/3&#8243;]<div id=\"sc_title_715954126\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1657214644149\"><h6 class=\"sc_item_subtitle sc_title_subtitle sc_align_left sc_item_title_style_default\">HEALTH<\/h6><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\"><i>PLANS<\/i><\/h3><\/div><!-- \/.sc_title -->[vc_btn title=&#8221;EVEREST&#8221; shape=&#8221;square&#8221; color=&#8221;blue&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverest%2F|title:EVEREST&#8221;][vc_btn title=&#8221;EVERMORE&#8221; shape=&#8221;square&#8221; color=&#8221;purple&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fevermore%2F|title:EVERMORE&#8221;][vc_btn title=&#8221;EVERYWHERE&#8221; shape=&#8221;square&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverywhere%2F|title:every&#8221;][vc_btn title=&#8221;LEVERAGE&#8221; shape=&#8221;square&#8221; color=&#8221;green&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt activo&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fleverage%2F&#8221;][vc_btn title=&#8221;EVERLASTING&#8221; shape=&#8221;square&#8221; color=&#8221;juicy-pink&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverlasting%2F|title:EVERLASTING&#8221;][vc_btn title=&#8221;CLEVER&#8221; shape=&#8221;square&#8221; color=&#8221;peacoc&#8221; align=&#8221;left&#8221; css=&#8221;&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fclever%2F|title:CLEVER&#8221;][vc_btn title=&#8221;COMPARISON&#8221; shape=&#8221;square&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fcomparativo%2F|title:every&#8221;][\/vc_column][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1656715878560{padding-top: 32px !important;padding-right: 32px !important;padding-bottom: 32px !important;padding-left: 32px !important;background-color: rgba(0,38,58,0.05) !important;*background-color: rgb(0,38,58) !important;}&#8221; el_class=&#8221;plan-content leverage-color&#8221;][vc_column_text]<!--Deducibles-->\n<div id=\"sc_title_1385958480\" class=\"sc_title sc_title_default title-blue  vc_custom_1689871188698\">\n    <h2 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">DEDUCTIBLE OPTIONS<\/h2>\n<\/div><!-- \/.sc_title -->\n\n\n<div id=\"sc_table_1667296086_wrap\" class=\"sc_table_wrap\">\n    <div id=\"sc_table_1667296086\" class=\"sc_table sc_table_default\" style=\"width:100%;\">\n        <p><\/p>\n        <table summary=\"Plan Information\" cellspacing=\"0\">\n            <thead>\n            <tr>\n                <th class=\"custom-table-column-head-first-everest custom-table-column-head-empty\" style=\"\"><\/th>\n                                    <th class=\"custom-table-column-head-everest\" style=\"text-align: center;\">I<\/th>\n                                        <th class=\"custom-table-column-head-everest\" style=\"text-align: center;\">II<\/th>\n                                        <th class=\"custom-table-column-head-everest\" style=\"text-align: center;\">III<\/th>\n                                        <th class=\"custom-table-column-head-everest\" style=\"text-align: center;\">IV<\/th>\n                                        <th class=\"custom-table-column-head-everest\" style=\"text-align: center;\">V<\/th>\n                                <\/tr>\n            <\/thead>\n            <tbody>\n            <tr>\n                                <td class=\"custom-table-column-cell-border-bottom-only\">Outside USA<\/td>\n                                                                            <td style=\"text-align: center;\">US$500<\/td>\n                                                                                        <td style=\"text-align: center;\" rowspan=\"2\">US$2,000<\/td>\n                                                                                        <td style=\"text-align: center;\" rowspan=\"2\">US$5,000<\/td>\n                                                                                        <td style=\"text-align: center;\" rowspan=\"2\">US$10,000<\/td>\n                                                                                        <td style=\"text-align: center;\" rowspan=\"2\">US$20,000<\/td>\n                                                        <\/tr>\n            <tr>\n                                <td class=\"custom-table-column-cell-border-top-only\" style=\"text-align: left; font-weight: normal;\">Inside USA<\/td>\n                                                                            <td style=\"text-align: center; font-weight: normal;\">US$1,000<\/td>\n                                                                                                                                                                                                                        <\/tr>\n            <\/tbody>\n        <\/table>\n        <p><\/p>\n    <\/div>\n<\/div><!-- \/.sc_table_wrap -->\n<!--Fin de Deducibles-->\n\n<!--Beneficios y Coberturas-->\n    <div id=\"sc_title_377368966\" class=\"sc_title sc_title_default title-blue  vc_custom_1657219537574\">\n        <h2 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">PLAN INFORMATION<\/h2>\n            <\/div><!-- \/.sc_title -->\n    <!-- sc_table_wrap -->\n    <div id=\"sc_table_1874169310_wrap\" class=\"\">\n        <div id=\"sc_table_1874169310\" class=\"sc_table sc_table_default\" style=\"width:100%;\">\n            <p><\/p>\n            <table summary=\"Plan Information\" cellspacing=\"0\">\n                <thead>\n                <tr>\n                    <th colspan=\"\">BENEFIT<\/th>\n                                        <th>COVERAGE<\/th>\n                                    <\/tr>\n                <\/thead>\n                <tbody>\n                                        <tr >\n                            <td >Maximum coverage per insured, per policy year<\/td>\n                                                        <td >US$2,500,000<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Age limit<\/td>\n                                                        <td >Up to 79 years old<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Waiting period<\/td>\n                                                        <td >30 days<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Coverage outside the U.S.<\/td>\n                                                        <td >100%* with free choice of doctors and hospitals<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Coverage inside the U.S.<\/td>\n                                                        <td ><ul><li>100%* within the LEVERAGE\u00ae US Network<\/li><li>Outside the LEVERAGE\u00ae US network: Coverage 60%, with a daily maximum rate of US$700 for a standard room and US$1,400 for intensive care<\/li><li>Emergency medical treatment: 100%* up to policy limits<\/li><\/ul><\/td>\n                                                    <\/tr>\n                                        <\/tbody>\n            <\/table>\n            <p><\/p>\n        <\/div>\n    <\/div><!-- \/.sc_table_wrap -->\n        <div id=\"sc_title_377368966\" class=\"sc_title sc_title_default title-blue  vc_custom_1657219537574\">\n        <h2 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">HOSPITAL BENEFITS<\/h2>\n            <\/div><!-- \/.sc_title -->\n    <!-- sc_table_wrap -->\n    <div id=\"sc_table_1874169310_wrap\" class=\"\">\n        <div id=\"sc_table_1874169310\" class=\"sc_table sc_table_default\" style=\"width:100%;\">\n            <p><\/p>\n            <table summary=\"Plan Information\" cellspacing=\"0\">\n                <thead>\n                <tr>\n                    <th colspan=\"2\">BENEFIT<\/th>\n                                        <th>COVERAGE<\/th>\n                                    <\/tr>\n                <\/thead>\n                <tbody>\n                                                <tr >\n                                    <td colspan=\"2\" >Standard private\/semi-private room<\/td>\n                                                                        <td >100%*<\/td>\n                                                                    <\/tr>\n                                                            <tr >\n                                <td colspan=\"2\" >Intensive Care Unit<\/td>\n                                                                <td >100%*<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td rowspan=\"2\" >Expenses for an accompanying adult of a hospitalized insured<\/td>\n                                <td  >Under 18 years old<\/td>\n                                                                        <td >US$150 per night, up to 45 nights<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td  >Over 18 years old<\/td>\n                                                                    <td >100%*, up to 30 nights<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Prescribed medications during hospitalization<\/td>\n                                                                <td >100%*<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Physical therapy and rehabilitation<\/td>\n                                                                <td >100%*<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Psychiatric treatments<\/td>\n                                                                <td >US$1,000<\/td>\n                                                            <\/tr>\n                                            <\/tbody>\n            <\/table>\n            <p><\/p>\n        <\/div>\n    <\/div><!-- \/.sc_table_wrap -->\n        <div id=\"sc_title_377368966\" class=\"sc_title sc_title_default title-blue  vc_custom_1657219537574\">\n        <h2 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">OUTPATIENT BENEFITS<\/h2>\n            <\/div><!-- \/.sc_title -->\n    <!-- sc_table_wrap -->\n    <div id=\"sc_table_1874169310_wrap\" class=\"\">\n        <div id=\"sc_table_1874169310\" class=\"sc_table sc_table_default\" style=\"width:100%;\">\n            <p><\/p>\n            <table summary=\"Plan Information\" cellspacing=\"0\">\n                <thead>\n                <tr>\n                    <th colspan=\"\">BENEFIT<\/th>\n                                        <th>COVERAGE<\/th>\n                                    <\/tr>\n                <\/thead>\n                <tbody>\n                                        <tr >\n                            <td >Emergency room care<\/td>\n                                                        <td >100%*<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Visits to doctors and specialists<\/td>\n                                                        <td >100%*<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Home visits by doctors and specialists<\/td>\n                                                        <td >100%*<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Prescribed medications<\/td>\n                                                        <td >US$15,000<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Home nurse or therapist care<\/td>\n                                                        <td >US$7,000<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Preventive medical check-up per insured, no deductible (after a 10-month waiting period)<\/td>\n                                                        <td >OPTION I<ul><li>US$200 from 18 years old<\/li><\/ul><\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Hearing aids<\/td>\n                                                        <td >US$550 lifetime<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Alzheimer\u2019s disease<\/td>\n                                                        <td >100%*<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Allergy treatment<\/td>\n                                                        <td >100%*<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Physical therapy and rehabilitation<\/td>\n                                                        <td >US$7,000<\/td>\n                                                    <\/tr>\n                                        <\/tbody>\n            <\/table>\n            <p><\/p>\n        <\/div>\n    <\/div><!-- \/.sc_table_wrap -->\n        <div id=\"sc_title_377368966\" class=\"sc_title sc_title_default title-blue  vc_custom_1657219537574\">\n        <h2 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">GENERAL BENEFITS<\/h2>\n                    <div class=\"sc_item_descr sc_title_descr sc_align_left\">\n                <p>These benefits apply equally to both inpatient and outpatient procedures.<\/p>\n            <\/div>\n                <\/div><!-- \/.sc_title -->\n    <!-- sc_table_wrap -->\n    <div id=\"sc_table_1874169310_wrap\" class=\"\">\n        <div id=\"sc_table_1874169310\" class=\"sc_table sc_table_default\" style=\"width:100%;\">\n            <p><\/p>\n            <table summary=\"Plan Information\" cellspacing=\"0\">\n                <thead>\n                <tr>\n                    <th colspan=\"2\">BENEFIT<\/th>\n                                        <th>COVERAGE<\/th>\n                                    <\/tr>\n                <\/thead>\n                <tbody>\n                                                <tr >\n                                    <td colspan=\"2\" >Surgeon and anesthesiologist fees<\/td>\n                                                                        <td >100%*<\/td>\n                                                                    <\/tr>\n                                                            <tr >\n                                <td colspan=\"2\" >Laboratory tests and diagnostic services (blood tests, pathology, X-rays, MRI\/CT\/PET scans)<\/td>\n                                                                <td >100%*<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Oncology (cancer tests, chemotherapy\/radiotherapy, medications)<\/td>\n                                                                <td >100%*<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Cancer risk-reduction surgery or prophylactic surgery<\/td>\n                                                                <td >US$5,000 lifetime (after a 12-month waiting period)<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Dialysis services<\/td>\n                                                                <td >100%*<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Prosthetics and implanted medical devices during surgery<\/td>\n                                                                <td >100%*<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Organ transplant (per organ\/tissue)<\/td>\n                                                                <td >US$350,000 lifetime.<br>Includes live donor expenses<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Durable medical equipment<\/td>\n                                                                <td >US$8,000<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Specialized treatments (occupational therapy, speech therapy, sleep apnea and other sleep disorders)<\/td>\n                                                                <td >US$2,000<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td rowspan=\"2\" >Congenital conditions<\/td>\n                                <td  >Diagnosed before 18 years old<\/td>\n                                                                        <td >US$150,000 lifetime<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td  >Diagnosed after 18 years old<\/td>\n                                                                    <td >100%*<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Reconstructive surgery after an accident or illness<\/td>\n                                                                <td >Up to the benefit limit<\/td>\n                                                            <\/tr>\n                                            <\/tbody>\n            <\/table>\n            <p><\/p>\n        <\/div>\n    <\/div><!-- \/.sc_table_wrap -->\n        <div id=\"sc_title_377368966\" class=\"sc_title sc_title_default title-blue  vc_custom_1657219537574\">\n        <h2 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">MATERNITY BENEFITS<\/h2>\n                    <div class=\"sc_item_descr sc_title_descr sc_align_left\">\n                <p>10-month waiting period, no deductible.<\/p>\n            <\/div>\n                <\/div><!-- \/.sc_title -->\n    <!-- sc_table_wrap -->\n    <div id=\"sc_table_1874169310_wrap\" class=\"\">\n        <div id=\"sc_table_1874169310\" class=\"sc_table sc_table_default\" style=\"width:100%;\">\n            <p><\/p>\n            <table summary=\"Plan Information\" cellspacing=\"0\">\n                <thead>\n                <tr>\n                    <th colspan=\"\">BENEFIT<\/th>\n                                        <th>COVERAGE<\/th>\n                                    <\/tr>\n                <\/thead>\n                <tbody>\n                                        <tr >\n                            <td >Maternity (options I & II)<\/td>\n                                                        <td >US$4,000, no deductible applies<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Maternity and newborn complications (options I & II)<\/td>\n                                                        <td >US$150,000 lifetime<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Newborn inclusion within 90 days after birth (options I & II)<\/td>\n                                                        <td >No medical evaluation if born in a covered maternity<\/td>\n                                                    <\/tr>\n                                        <\/tbody>\n            <\/table>\n            <p><\/p>\n        <\/div>\n    <\/div><!-- \/.sc_table_wrap -->\n        <div id=\"sc_title_377368966\" class=\"sc_title sc_title_default title-blue  vc_custom_1657219537574\">\n        <h2 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">MEDICAL EVACUATION BENEFITS<\/h2>\n            <\/div><!-- \/.sc_title -->\n    <!-- sc_table_wrap -->\n    <div id=\"sc_table_1874169310_wrap\" class=\"\">\n        <div id=\"sc_table_1874169310\" class=\"sc_table sc_table_default\" style=\"width:100%;\">\n            <p><\/p>\n            <table summary=\"Plan Information\" cellspacing=\"0\">\n                <thead>\n                <tr>\n                    <th colspan=\"2\">BENEFIT<\/th>\n                                        <th>COVERAGE<\/th>\n                                    <\/tr>\n                <\/thead>\n                <tbody>\n                                                <tr >\n                                    <td rowspan=\"2\" >Emergency transportation<\/td>\n                                                                        <td  >Ground ambulance<\/td>\n                                                                            <td >100%*, no deductible applies<\/td>\n                                                                                                            <\/tr>\n                                                            <tr >\n                                <td  >Air ambulance<\/td>\n                                                                    <td >US$45,000, no deductible applies<\/td>\n                                                            <\/tr>\n                                                        <tr >\n                                <td colspan=\"2\" >Repatriation or cremation of mortal remains<\/td>\n                                                                <td >US$12,000<\/td>\n                                                            <\/tr>\n                                            <\/tbody>\n            <\/table>\n            <p><\/p>\n        <\/div>\n    <\/div><!-- \/.sc_table_wrap -->\n        <div id=\"sc_title_377368966\" class=\"sc_title sc_title_default title-blue  vc_custom_1657219537574\">\n        <h2 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">OTHER BENEFITS<\/h2>\n            <\/div><!-- \/.sc_title -->\n    <!-- sc_table_wrap -->\n    <div id=\"sc_table_1874169310_wrap\" class=\"\">\n        <div id=\"sc_table_1874169310\" class=\"sc_table sc_table_default\" style=\"width:100%;\">\n            <p><\/p>\n            <table summary=\"Plan Information\" cellspacing=\"0\">\n                <thead>\n                <tr>\n                    <th colspan=\"\">BENEFIT<\/th>\n                                        <th>COVERAGE<\/th>\n                                    <\/tr>\n                <\/thead>\n                <tbody>\n                                        <tr >\n                            <td >High-risk activities and sports<\/td>\n                                                        <td >100%*<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Emergency dental treatment due to an accident<\/td>\n                                                        <td >100% (treatment within the first 180 days of a covered accident)<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Palliative care<\/td>\n                                                        <td >100%*<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Temporary accident coverage while application is being processed<\/td>\n                                                        <td >US$30,000<\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >Elimination\/reduction of the policy deductible for not meeting the deductible during the last 3 years<\/td>\n                                                        <td >OPTIONS I & II: <ul> <li>Elimination for 1 year if the deductible has not been reached in previous years<\/li>  <\/ul> OPTIONS III & IV: <ul> <li>50% reduction if the deductible has not been reached in previous years<\/li> <\/ul><\/td>\n                                                    <\/tr>\n                                                <tr >\n                            <td >EVER Expert Medical Review\u00ae<\/td>\n                                                        <td >Unlimited access to world-renowned medical expert second opinions, no deductible applies<\/td>\n                                                    <\/tr>\n                                        <\/tbody>\n            <\/table>\n            <p><\/p>\n        <\/div>\n    <\/div><!-- \/.sc_table_wrap -->\n    \n<!--Fin de Beneficios y Coberturas-->\n\n<!--Adjunto-->\n    <br>\n    <div class=\"vc_btn3-container  ever-alt activo vc_btn3-center\">\n        <a\n                class=\"vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-square vc_btn3-style-modern vc_btn3-icon-center\"\n                style=\"background-color: #526123; border-color: #526123; color: white;\"\n                href=\"https:\/\/everinsuranceglobal.com\/wp-content\/uploads\/2026\/03\/EVER-Benefits-2026-Leverage.pdf\" title=\"LEVERAGE\"\n                target=\"_blank\">DOWNLOAD <i class=\"vc_btn3-icon fas fa-file-pdf\"><\/i>\n        <\/a>\n    <\/div>\n    <!--Fin de Adjunto-->[\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; disable_element=&#8221;yes&#8221;][vc_column width=&#8221;1\/3&#8243;]<div id=\"sc_title_604936358\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1657214644149\"><h6 class=\"sc_item_subtitle sc_title_subtitle sc_align_left sc_item_title_style_default\">HEALTH<\/h6><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\"><i>PLANS<\/i><\/h3><\/div><!-- \/.sc_title -->[vc_btn title=&#8221;EVEREST&#8221; shape=&#8221;square&#8221; color=&#8221;blue&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverest%2F|title:EVEREST&#8221;][vc_btn title=&#8221;EVERMORE&#8221; shape=&#8221;square&#8221; color=&#8221;purple&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fevermore%2F|title:EVERMORE&#8221;][vc_btn title=&#8221;EVERYWHERE&#8221; shape=&#8221;square&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverywhere%2F|title:every&#8221;][vc_btn title=&#8221;LEVERAGE&#8221; shape=&#8221;square&#8221; color=&#8221;green&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt activo&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fleverage%2F&#8221;][vc_btn title=&#8221;EVERLASTING&#8221; shape=&#8221;square&#8221; color=&#8221;juicy-pink&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverlasting%2F|title:EVERLASTING&#8221;][vc_btn title=&#8221;COMPARISON&#8221; shape=&#8221;square&#8221; align=&#8221;left&#8221; el_class=&#8221;ever-alt&#8221; link=&#8221;url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fcomparativo%2F|title:every&#8221;][\/vc_column][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1656715878560{padding-top: 32px !important;padding-right: 32px !important;padding-bottom: 32px !important;padding-left: 32px !important;background-color: rgba(0,38,58,0.05) !important;*background-color: rgb(0,38,58) !important;}&#8221; el_class=&#8221;plan-content leverage-color&#8221;]<div id=\"sc_title_1015974834\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1689875761954\"><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">DEDUCTIBLE OPTIONS<\/h3><\/div><!-- \/.sc_title --><div id=\"sc_table_1466577055_wrap\" class=\"sc_table_wrap\"><div id=\"sc_table_1466577055\"\r\n\t\t\tclass=\"sc_table sc_table_default\" style=\"width:100%;\">[vc_column_text]<\/p>\n<table summary=\"Plan Information\" cellspacing=\"0\">\n<thead>\n<tr>\n<th class=\"custom-table-column-head-first-everywhere custom-table-column-head-empty\"><\/th>\n<th class=\"custom-table-column-head-everywhere\" style=\"text-align: center;\">I<\/th>\n<th class=\"custom-table-column-head-everywhere\" style=\"text-align: center;\">II<\/th>\n<th class=\"custom-table-column-head-everywhere\" style=\"text-align: center;\">III<\/th>\n<th class=\"custom-table-column-head-everywhere\" style=\"text-align: center;\">IV<\/th>\n<th class=\"custom-table-column-head-everywhere\" style=\"text-align: center;\">V<\/th>\n<th class=\"custom-table-column-head-everywhere\" style=\"text-align: center;\">VI<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"custom-table-column-cell-border-bottom-only\">Outside USA<\/td>\n<td style=\"text-align: center;\">US$500<\/td>\n<td style=\"text-align: center;\" rowspan=\"2\">US$2,000<\/td>\n<td style=\"text-align: center;\" rowspan=\"2\">US$5,000<\/td>\n<td style=\"text-align: center;\" rowspan=\"2\">US$10,000<\/td>\n<td style=\"text-align: center;\" rowspan=\"2\">US$20,000<\/td>\n<td style=\"text-align: center;\" rowspan=\"2\">US$50,000<\/td>\n<\/tr>\n<tr>\n<td class=\"custom-table-column-cell-border-top-only\" style=\"text-align: left; font-weight: normal;\">Inside USA<\/td>\n<td style=\"text-align: center; font-weight: normal;\">US$1,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<\/div><\/div><!-- \/.sc_table_wrap --><div id=\"sc_title_1288459126\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1656699491135\"><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">PLAN INFORMATION<\/h3><\/div><!-- \/.sc_title --><div id=\"sc_table_1293365814_wrap\" class=\"sc_table_wrap\"><div id=\"sc_table_1293365814\"\r\n\t\t\tclass=\"sc_table sc_table_default\" style=\"width:100%;\">[vc_column_text]<\/p>\n<table summary=\"Plan Information\" cellspacing=\"0\">\n<thead>\n<tr>\n<th>BENEFIT<\/th>\n<th>COVERAGE<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Maximum coverage per person, per policy year<\/td>\n<td>US$2,500,000<\/td>\n<\/tr>\n<tr>\n<td>Age limit to apply<\/td>\n<td>Up to 79 years old<\/td>\n<\/tr>\n<tr>\n<td>Waiting period<\/td>\n<td>30 days<\/td>\n<\/tr>\n<tr>\n<td>Coverage outside USA<\/td>\n<td>100%* with free choice of hospitals and doctors<\/td>\n<\/tr>\n<tr>\n<td>Coverage inside USA<\/td>\n<td>\n<ul>\n<li>100%* within the LEVERAGE\u00ae US Network<\/li>\n<li>Outside the LEVERAGE\u00ae 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<\/li>\n<li>Emergency medical treatment will be covered at 100%*, up to policy limits<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<\/div><\/div><!-- \/.sc_table_wrap --><div id=\"sc_title_1064694706\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1656699564259\"><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">INPATIENT PROVISIONS<\/h3><\/div><!-- \/.sc_title --><div id=\"sc_table_341138648_wrap\" class=\"sc_table_wrap\"><div id=\"sc_table_341138648\"\r\n\t\t\tclass=\"sc_table sc_table_default\" style=\"width:100%;\">[vc_column_text]<\/p>\n<table summary=\"Plan Information\" cellspacing=\"0\">\n<thead>\n<tr>\n<th colspan=\"2=\">BENEFIT<\/th>\n<th>COVERAGE<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td colspan=\"2\">Standard private\/semi-private hospital room<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Intensive care unit<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\">Adult companion accomodation expenses of a hospitalized insured<\/td>\n<td>Under 18 years old<\/td>\n<td>US$150 per night, max. of 30 nights<\/td>\n<\/tr>\n<tr>\n<td>Over 18 years old<\/td>\n<td>100%*, max. of 30 nights<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Prescribed medications while hospitalized<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Physical therapy and rehabilitation<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Psychiatric Treatments<\/td>\n<td>US$1,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<\/div><\/div><!-- \/.sc_table_wrap --><div id=\"sc_title_1509654470\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1656700258940\"><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">OUTPATIENT PROVISIONS<\/h3><\/div><!-- \/.sc_title --><div id=\"sc_table_365195107_wrap\" class=\"sc_table_wrap\"><div id=\"sc_table_365195107\"\r\n\t\t\tclass=\"sc_table sc_table_default\" style=\"width:100%;\">[vc_column_text]<\/p>\n<table summary=\"Plan Information\" cellspacing=\"0\">\n<thead>\n<tr>\n<th>BENEFIT<\/th>\n<th>COVERAGE<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Emergency care<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td>Physician and specialist home visits<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td>Outpatient prescription medication<\/td>\n<td>US$6,000<\/td>\n<\/tr>\n<tr>\n<td>Nurse or therapist care at home<\/td>\n<td>US$7,000<\/td>\n<\/tr>\n<tr>\n<td>Hearing aids<\/td>\n<td>US$550 per lifetime<\/td>\n<\/tr>\n<tr>\n<td>Alzheimer\u2019s disease<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td>Allergy treatment<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td>Physical therapy and rehabilitation<\/td>\n<td>US$12,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<\/div><\/div><!-- \/.sc_table_wrap --><div id=\"sc_title_870553547\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1656703590295\"><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">GENERAL PROVISIONS<\/h3><div class=\"sc_item_descr sc_title_descr sc_align_left\"><p>The following benefits offer the same coverage for both inpatient and outpatient procedures.<\/p>\n<\/div><\/div><!-- \/.sc_title --><div id=\"sc_table_1723970837_wrap\" class=\"sc_table_wrap\"><div id=\"sc_table_1723970837\"\r\n\t\t\tclass=\"sc_table sc_table_default\" style=\"width:100%;\">[vc_column_text]<\/p>\n<table summary=\"Plan Information\" cellspacing=\"0\">\n<thead>\n<tr>\n<th colspan=\"2=\">BENEFIT<\/th>\n<th>COVERAGE<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td colspan=\"2\">Surgeon and anesthesiologist fees<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Diagnostic study services (laboratory tests, pathology, X-rays, MRI\/CT\/ PET scans)<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Oncology: cancer tests, treatment (chemotherapy and\/or radiotherapy) and medication<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Dialysis services<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Prostheses and medical appliances implanted during surgery<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Organ transplant (per organ\/tissue)<\/td>\n<td>US$350,000 per lifetime. Includes expenses of the live donor<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Durable medical equipment<\/td>\n<td>US$8,000<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Specialized treatments (occupational therapy, speech therapy, sleep apnea and other sleep disorders)<\/td>\n<td>US$2,000<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\">Congenital conditions<\/td>\n<td>Diagnosed before age 18<\/td>\n<td>US$150,000 per lifetime<\/td>\n<\/tr>\n<tr>\n<td>Diagnosed after age 18<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Reconstructive surgery after an accident or illness<\/td>\n<td>Up to the benefit limit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<\/div><\/div><!-- \/.sc_table_wrap --><div id=\"sc_title_1706824539\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1656703602847\"><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">MATERNITY PROVISIONS<\/h3><div class=\"sc_item_descr sc_title_descr sc_align_left\"><p>10-month waiting period, no deductible applies.<\/p>\n<\/div><\/div><!-- \/.sc_title --><div id=\"sc_table_1255101587_wrap\" class=\"sc_table_wrap\"><div id=\"sc_table_1255101587\"\r\n\t\t\tclass=\"sc_table sc_table_default\" style=\"width:100%;\">[vc_column_text]<\/p>\n<table summary=\"Plan Information\" cellspacing=\"0\">\n<thead>\n<tr>\n<th colspan=\"2=\">BENEFIT<\/th>\n<th>COVERAGE<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td colspan=\"2\">Maternity (options I & II)<\/td>\n<td>\n<ul>\n<li>US$4,000, no deductible applies<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Maternity and newborn complications (options I & II)<\/td>\n<td>US$150,000 per lifetime<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Inclusion of the newborn within 90 days after the birth (options I & II)<\/td>\n<td>Without underwriting, if born from a covered maternity<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<\/div><\/div><!-- \/.sc_table_wrap --><div id=\"sc_title_1740987870\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1656701993189\"><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">MEDICAL EVACUATION PROVISIONS<\/h3><\/div><!-- \/.sc_title --><div id=\"sc_table_158833224_wrap\" class=\"sc_table_wrap\"><div id=\"sc_table_158833224\"\r\n\t\t\tclass=\"sc_table sc_table_default\" style=\"width:100%;\">[vc_column_text]<\/p>\n<table summary=\"Plan Information\" cellspacing=\"0\">\n<thead>\n<tr>\n<th colspan=\"2=\">BENEFIT<\/th>\n<th>COVERAGE<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td rowspan=\"2\">Emergency transportation<\/td>\n<td>Ground ambulance<\/td>\n<td>100%*, no deductible applies<\/td>\n<\/tr>\n<tr>\n<td>Air ambulance<\/td>\n<td>US$45,000, no deductible applies<\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">Repatriation or cremation of mortal remains<\/td>\n<td>US$7,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<\/div><\/div><!-- \/.sc_table_wrap --><div id=\"sc_title_1669193204\"\r\n\t\tclass=\"sc_title sc_title_default title-blue  vc_custom_1657295119921\"><h3 class=\"sc_item_title sc_title_title sc_align_left sc_item_title_style_default\">OTHER PROVISIONS<\/h3><\/div><!-- \/.sc_title --><div id=\"sc_table_91464364_wrap\" class=\"sc_table_wrap\"><div id=\"sc_table_91464364\"\r\n\t\t\tclass=\"sc_table sc_table_default\" style=\"width:100%;\">[vc_column_text]<\/p>\n<table summary=\"Plan Information\" cellspacing=\"0\">\n<thead>\n<tr>\n<th>BENEFICIO<\/th>\n<th>COBERTURA<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>High-risk sports and activities<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td>Emergency dental coverage<\/td>\n<td>100%* for treatment within the first 180 days of the covered accident<\/td>\n<\/tr>\n<tr>\n<td>Palliative care<\/td>\n<td>100%*<\/td>\n<\/tr>\n<tr>\n<td>Temporary coverage for accidents while the application is being underwritten<\/td>\n<td>US$30,000<\/td>\n<\/tr>\n<tr>\n<td>Deductible elimination\/reduction for no claims for 3 years<\/td>\n<td>OPTIONS I:<\/p>\n<ul>\n<li>Elimination for 1 year after the 3rd year without claims<\/li>\n<li>Reduction of 50% of the deductible for 1 year after the 3rd year, if the deductible was not met in any of the years<\/li>\n<\/ul>\n<p>OPTIONS II, III &a IV:<\/p>\n<ul>\n<li>Reduction of 50% of the deductible for 1 year after the 3rd year without claims<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>EVER Expert Medical Review\u00ae<\/td>\n<td>Unlimited access to medical reviews from recognized world experts, deductible does not apply<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<\/div><\/div><!-- \/.sc_table_wrap -->[vc_btn title=&#8221;DOWNLOAD&#8221; 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