{"id":2756,"date":"2022-07-01T22:38:46","date_gmt":"2022-07-02T03:38:46","guid":{"rendered":"https:\/\/ever.itrends.dev\/evermore\/"},"modified":"2026-02-05T12:53:14","modified_gmt":"2026-02-05T17:53:14","slug":"evermore","status":"publish","type":"page","link":"https:\/\/everinsuranceglobal.com\/en\/evermore\/","title":{"rendered":"EVERMORE"},"content":{"rendered":"

[vc_row equal_height=”yes”][vc_column width=”1\/3″]

HEALTH<\/h6>

PLANS<\/i><\/h3><\/div>[vc_btn title=”EVEREST” shape=”square” color=”blue” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverest%2F|title:EVEREST”][vc_btn title=”EVERMORE” shape=”square” color=”purple” align=”left” el_class=”ever-alt activo” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fevermore%2F|title:EVERMORE”][vc_btn title=”EVERYWHERE” shape=”square” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverywhere%2F|title:EVERYWHERE”][vc_btn title=”LEVERAGE” shape=”square” color=”green” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fleverage%2F|title:LEVERAGE”][vc_btn title=”EVERLASTING” shape=”square” color=”juicy-pink” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverlasting%2F|title:Everlasting”][vc_btn title=”CLEVER” shape=”square” color=”peacoc” align=”left” css=”” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fclever%2F|title:Everlasting”][vc_btn title=”COMPARISON” shape=”square” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fcomparativo%2F|title:EVERYWHERE”][\/vc_column][vc_column width=”2\/3″ css=”.vc_custom_1656715123408{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;}” el_class=”plan-content evermore-color”][vc_column_text]\n
\n

DEDUCTIBLE OPTIONS<\/h2>\n<\/div>\n\n\n
\n
\n

<\/p>\n \n \n \n \n \n \n
<\/th>\n I<\/th>\n II<\/th>\n III<\/th>\n IV<\/th>\n V<\/th>\n <\/tr>\n <\/thead>\n
Outside USA<\/td>\n US$500<\/td>\n US$2,000<\/td>\n US$5,000<\/td>\n US$10,000<\/td>\n US$20,000<\/td>\n <\/tr>\n
Inside USA<\/td>\n US$1,000<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

<\/p>\n <\/div>\n<\/div>\n\n\n\n

\n

PLAN INFORMATION<\/h2>\n <\/div>\n \n
\n
\n

<\/p>\n \n \n \n \n \n \n \n \n \n
BENEFIT<\/th>\n COVERAGE<\/th>\n <\/tr>\n <\/thead>\n
Maximum coverage per insured, per policy year<\/td>\n US$5,000,000<\/td>\n <\/tr>\n
Age limit<\/td>\n Up to 79 years old<\/td>\n <\/tr>\n
Waiting period<\/td>\n 30 days<\/td>\n <\/tr>\n
Coverage outside the U.S.<\/td>\n 100%* with free choice of doctors and hospitals<\/td>\n <\/tr>\n
Coverage inside the U.S.<\/td>\n
  • 100% within the EVER\u00ae US Network<\/li>
  • Outside the EVER\u00ae US Network: Coverage 70%, with a daily maximum rate of US$800 for a standard room US$1,500 for intensive care<\/li>
  • Emergency medical treatment: 100%* up to policy limits<\/li><\/ul><\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

    <\/p>\n <\/div>\n <\/div>\n

    \n

    HOSPITAL BENEFITS<\/h2>\n <\/div>\n \n
    \n
    \n

    <\/p>\n \n \n \n \n \n \n \n \n \n \n \n
    BENEFIT<\/th>\n COVERAGE<\/th>\n <\/tr>\n <\/thead>\n
    Standard private room<\/td>\n 100%*<\/td>\n <\/tr>\n
    Intensive Care Unit<\/td>\n 100%*<\/td>\n <\/tr>\n
    Expenses for an accompanying adult of a hospitalized insured<\/td>\n Under 18 years old<\/td>\n US$150 per night, up to 45 nights<\/td>\n <\/tr>\n
    Over 18 years old<\/td>\n 100%*, up to 30 nights<\/td>\n <\/tr>\n
    Prescribed medications during hospitalization<\/td>\n 100%*<\/td>\n <\/tr>\n
    Physical therapy and rehabilitation<\/td>\n 100%*<\/td>\n <\/tr>\n
    Psychiatric treatments<\/td>\n US$2,000<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

    <\/p>\n <\/div>\n <\/div>\n

    \n

    OUTPATIENT BENEFITS<\/h2>\n <\/div>\n \n
    \n
    \n

    <\/p>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
    BENEFIT<\/th>\n COVERAGE<\/th>\n <\/tr>\n <\/thead>\n
    Emergency room care<\/td>\n 100%*<\/td>\n <\/tr>\n
    Visits to doctors and specialists<\/td>\n 100%*<\/td>\n <\/tr>\n
    Home visits by doctors and specialists<\/td>\n 100%*<\/td>\n <\/tr>\n
    Prescribed medications<\/td>\n US$55,000<\/td>\n <\/tr>\n
    Home nurse or therapist care<\/td>\n US$12,000<\/td>\n <\/tr>\n
    Preventive medical check-up per insured, no deductible (after a 10-month waiting period)<\/td>\n OPTIONS I & II
    • US$200 up to 17 years old<\/li>
    • US$250 at 18 years old<\/li><\/ul><\/td>\n <\/tr>\n
    Hearing aids<\/td>\n US$1,200 per lifetime<\/td>\n <\/tr>\n
    Alzheimer\u2019s disease<\/td>\n 100%*<\/td>\n <\/tr>\n
    Allergy treatment<\/td>\n 100%*<\/td>\n <\/tr>\n
    Physical therapy and rehabilitation<\/td>\n US$12,500<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

    <\/p>\n <\/div>\n <\/div>\n

    \n

    GENERAL BENEFITS<\/h2>\n
    \n

    The following benefits offer the same coverage for both inpatient and outpatient procedures.<\/p>\n <\/div>\n <\/div>\n \n

    \n
    \n

    <\/p>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
    BENEFIT<\/th>\n COVERAGE<\/th>\n <\/tr>\n <\/thead>\n
    Surgeon and anesthesiologist fees<\/td>\n 100%*<\/td>\n <\/tr>\n
    Laboratory tests and diagnostic services (blood tests, pathology, X-rays, MRI\/CT\/PET scans)<\/td>\n 100%*<\/td>\n <\/tr>\n
    Oncology (cancer tests, chemotherapy\/radiotherapy, medications)<\/td>\n 100%*<\/td>\n <\/tr>\n
    Cancer risk-reduction surgery or prophylactic surgery<\/td>\n US$35,000 lifetime (after a 12-month waiting period)<\/td>\n <\/tr>\n
    Dialysis services<\/td>\n 100%*<\/td>\n <\/tr>\n
    Prosthetics and implanted medical devices during surgery<\/td>\n 100%*<\/td>\n <\/tr>\n
    Organ transplant (per organ\/tissue)<\/td>\n US$500,000 lifetime, with an additional US$500,000 available (with rider). Includes live donor expenses<\/td>\n <\/tr>\n
    Durable medical equipment<\/td>\n US$12,000<\/td>\n <\/tr>\n
    Specialized treatments (occupational therapy, speech therapy, sleep apnea and other sleep disorders)<\/td>\n US$3,500<\/td>\n <\/tr>\n
    Congenital conditions<\/td>\n Diagnosed before age 18<\/td>\n US$500,000 lifetime<\/td>\n <\/tr>\n
    Diagnosed after age 18<\/td>\n 100%*<\/td>\n <\/tr>\n
    HIV\/AIDS<\/td>\n US$250,000 lifetime (after a 48-month waiting period)<\/td>\n <\/tr>\n
    Bariatric surgery<\/td>\n US$5,000 lifetime (after a 24-month waiting period)<\/td>\n <\/tr>\n
    Surgical treatment for symptomatic foot disorders<\/td>\n 100%* (after a 24-month waiting period)<\/td>\n <\/tr>\n
    Reconstructive surgery after an accident or illness<\/td>\n Up to the benefit limit<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

    <\/p>\n <\/div>\n <\/div>\n

    \n

    MATERNITY BENEFITS<\/h2>\n
    \n

    10-month waiting period, no deductible applies.<\/p>\n <\/div>\n <\/div>\n \n

    \n
    \n

    <\/p>\n \n \n \n \n \n \n \n
    BENEFIT<\/th>\n COVERAGE<\/th>\n <\/tr>\n <\/thead>\n
    Maternity (options I & II)<\/td>\n
    • US$5,000, no deductible applies<\/li>
    • IIncludes stem cell extraction and storage<\/li><\/ul><\/td>\n <\/tr>\n
    Maternity and newborn complications (options I & II)<\/td>\n US$500,000 lifetime<\/td>\n <\/tr>\n
    Newborn inclusion within 90 days after birth (options I & II)<\/td>\n No medical evaluation if born in a covered maternity<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

    <\/p>\n <\/div>\n <\/div>\n

    \n

    MEDICAL EVACUATION BENEFITS<\/h2>\n <\/div>\n \n
    \n
    \n

    <\/p>\n \n \n \n \n \n \n \n \n
    BENEFIT<\/th>\n COVERAGE<\/th>\n <\/tr>\n <\/thead>\n
    Emergency transportation<\/td>\n Ground ambulance<\/td>\n 100%*, no deductible applies<\/td>\n <\/tr>\n
    Air ambulance<\/td>\n US$65,000, no deductible applies<\/td>\n <\/tr>\n
    Return ticket cost for insured and companion after an air ambulance evacuation<\/td>\n US$550 per insured<\/td>\n <\/tr>\n
    Repatriation or cremation of mortal remains<\/td>\n US$45,000<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

    <\/p>\n <\/div>\n <\/div>\n

    \n

    OTHER BENEFITS<\/h2>\n <\/div>\n \n
    \n
    \n

    <\/p>\n \n \n \n \n \n \n \n \n \n \n \n \n \n
    BENEFIT<\/th>\n COVERAGE<\/th>\n <\/tr>\n <\/thead>\n
    High-risk activities and sports<\/td>\n 100%*<\/td>\n <\/tr>\n
    Emergency dental treatment due to an accident<\/td>\n 100% (treatment within the first 180 days of a covered accident)<\/td>\n <\/tr>\n
    Palliative care<\/td>\n 100%*<\/td>\n <\/tr>\n
    Temporary accident coverage while application is being processed<\/td>\n US$35,000<\/td>\n <\/tr>\n
    Extended free coverage for policy dependents after the policyholder\u2019s death<\/td>\n 1 years<\/td>\n <\/tr>\n
    Deductible waiver\/reduction after 3 years without claims<\/td>\n OPTIONS I, II & III:
    • Elimination for 1 year if the deductible has not been reached in previous years<\/li> <\/ul> OPTIONS IV & V:
      • 50% reduction if the deductible has not been reached in previous years<\/li> <\/ul><\/td>\n <\/tr>\n
    Executive checkup<\/td>\n Up to US$750 (After 24-months waiting period inside the EVER\u00ae Prevent Network<\/td>\n <\/tr>\n
    ForEVER \u00ae Fit<\/td>\n Up to US$50 per insured, per policy year, via reimbursement<\/td>\n <\/tr>\n
    EVER\u00ae Expert Medical Review<\/td>\n Unlimited access to world-renowned medical expert second opinions, no deductible applies<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

    <\/p>\n <\/div>\n <\/div>\n \n\n\n\n
    \n

    \n DOWNLOAD <\/i>\n <\/a>\n <\/div>\n [\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=”yes” disable_element=”yes”][vc_column width=”1\/3″]
    HEALTH<\/h6>

    PLANS<\/i><\/h3><\/div>[vc_btn title=”EVEREST” shape=”square” color=”blue” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverest%2F|title:EVEREST”][vc_btn title=”EVERMORE” shape=”square” color=”purple” align=”left” el_class=”ever-alt activo” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fevermore%2F|title:EVERMORE”][vc_btn title=”EVERYWHERE” shape=”square” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverywhere%2F|title:EVERYWHERE”][vc_btn title=”LEVERAGE” shape=”square” color=”green” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fleverage%2F|title:LEVERAGE”][vc_btn title=”EVERLASTING” shape=”square” color=”juicy-pink” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Feverlasting%2F|title:Everlasting”][vc_btn title=”COMPARISON” shape=”square” align=”left” el_class=”ever-alt” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fen%2Fcomparativo%2F|title:EVERYWHERE”][\/vc_column][vc_column width=”2\/3″ css=”.vc_custom_1656715123408{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;}” el_class=”plan-content evermore-color”]

    DEDUCTIBLE OPTIONS<\/h3><\/div>
    [vc_column_text]<\/p>\n\n\n\n\n\n\n
    <\/th>\nI<\/th>\nII<\/th>\nIII<\/th>\nIV<\/th>\nV<\/th>\nVI<\/th>\n<\/tr>\n<\/thead>\n
    Outside USA<\/td>\nUS$500<\/td>\nUS$2,000<\/td>\nUS$5,000<\/td>\nUS$10,000<\/td>\nUS$20,000<\/td>\nUS$50,000<\/td>\n<\/tr>\n
    Inside USA<\/td>\nUS$1,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    [\/vc_column_text]<\/div><\/div>

    PLAN INFORMATION<\/h3><\/div>
    [vc_column_text]<\/p>\n\n\n\n\n\n\n\n\n\n
    BENEFIT<\/th>\nCOVERAGE<\/th>\n<\/tr>\n<\/thead>\n
    Maximum coverage per person, per policy year<\/td>\nUS$5,000,000<\/td>\n<\/tr>\n
    Age limit to apply<\/td>\nUp to 79 years old<\/td>\n<\/tr>\n
    Waiting period<\/td>\n30 days<\/td>\n<\/tr>\n
    Coverage outside USA<\/td>\n100%* with free choice of hospitals and doctors<\/td>\n<\/tr>\n
    Coverage inside USA<\/td>\n\n
      \n
    • 100% within the EVER\u00ae US Network<\/li>\n
    • Outside the EVER\u00ae 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<\/li>\n
    • Emergency medical treatment will be covered 100%, up to the policy limits<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      [\/vc_column_text]<\/div><\/div>

      INPATIENT PROVISIONS<\/h3><\/div>
      [vc_column_text]<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
      BENEFIT<\/th>\nCOVERAGE<\/th>\n<\/tr>\n<\/thead>\n
      Standard private\/semi-private hospital room<\/td>\n100%*<\/td>\n<\/tr>\n
      Intensive care unit<\/td>\n100%*<\/td>\n<\/tr>\n
      Adult companion accommodation expenses of a hospitalized insured<\/td>\nUnder 18 years old<\/td>\nUS$150 per night, max. of 45 nights<\/td>\n<\/tr>\n
      Over 18 years old<\/td>\n100%*, max. of 30 nights<\/td>\n<\/tr>\n
      Prescribed medications while hospitalized<\/td>\n100%*<\/td>\n<\/tr>\n
      Physical therapy and rehabilitation<\/td>\n100%*<\/td>\n<\/tr>\n
      Psychiatric treatments<\/td>\nUS$2,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      [\/vc_column_text]<\/div><\/div>

      OUTPATIENT PROVISIONS<\/h3><\/div>
      [vc_column_text]<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
      BENEFIT<\/th>\nCOVERAGE<\/th>\n<\/tr>\n<\/thead>\n
      Emergency care<\/td>\n100%*<\/td>\n<\/tr>\n
      Physician and specialist visits<\/td>\n100%*<\/td>\n<\/tr>\n
      Physician and specialist home visits<\/td>\n100%*<\/td>\n<\/tr>\n
      Prescription medication<\/td>\nUS$15,000<\/td>\n<\/tr>\n
      Nurse or therapist care at home<\/td>\nUS$12,000<\/td>\n<\/tr>\n
      Preventive health checkup per insured, no deductible applies (options I & II) (after a 10-month waiting period)<\/td>\n\n
        \n
      • US$100 up to 17 years old<\/li>\n
      • US$150 at 18 years and older<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
      Hearing aids<\/td>\nUS$1,200 per lifetime<\/td>\n<\/tr>\n
      Alzheimer\u2019s disease<\/td>\n100%*<\/td>\n<\/tr>\n
      Allergy treatment<\/td>\n100%*<\/td>\n<\/tr>\n
      Physical therapy and rehabilitation<\/td>\nUS$12,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      [\/vc_column_text]<\/div><\/div>

      GENERAL PROVISIONS<\/h3>

      The following benefits offer the same coverage for both inpatient and outpatient procedures.<\/p>\n<\/div><\/div>

      [vc_column_text]<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
      BENEFIT<\/th>\nCOVERAGE<\/th>\n<\/tr>\n<\/thead>\n
      Surgeon and anesthesiologist fees<\/td>\n100%*<\/td>\n<\/tr>\n
      Diagnostic study services (laboratory tests, pathology, X-rays, MRI\/CT\/ PET scans)<\/td>\n100%*<\/td>\n<\/tr>\n
      Oncology: cancer tests, treatment (chemotherapy and\/or radiotherapy) and medication<\/td>\n100%*<\/td>\n<\/tr>\n
      Surgery to reduce the risk of cancer or prophylactic surgery<\/td>\nUS$35,000 per lifetime (after a 12-month waiting period)<\/td>\n<\/tr>\n
      Dialysis services<\/td>\n100%*<\/td>\n<\/tr>\n
      Prostheses and medical appliances implanted during surgery<\/td>\n100%*<\/td>\n<\/tr>\n
      Organ transplant (per organ\/tissue)<\/td>\nUS$500,000 per lifetime, with an additional US$500,000 available (with annex). Includes expenses of the live donor<\/td>\n<\/tr>\n
      Durable medical equipment<\/td>\nUS$12,000<\/td>\n<\/tr>\n
      Specialized treatments (occupational therapy, speech therapy, sleep apnea and other sleep disorders)<\/td>\nUS$3,500<\/td>\n<\/tr>\n
      Congenital conditions<\/td>\nDiagnosed before age 18<\/td>\nUS$500,000 per lifetime<\/td>\n<\/tr>\n
      Diagnosed after age 18<\/td>\n100%*<\/td>\n<\/tr>\n
      HIV-AIDS<\/td>\nUS$250,000 per lifetime (after a 48-month waiting period)<\/td>\n<\/tr>\n
      Bariatric surgery<\/td>\nUS$5,000 per lifetime (after a 24-month waiting period)<\/td>\n<\/tr>\n
      Surgical treatment of symptomatic foot disorders<\/td>\n100%* (after a 24-month waiting period)<\/td>\n<\/tr>\n
      Reconstructive surgery after an accident or illness<\/td>\nUp to the benefit limit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      [\/vc_column_text]<\/div><\/div>

      MATERNITY PROVISIONS<\/h3>

      10-month waiting period, no deductible applies.<\/p>\n<\/div><\/div>

      [vc_column_text]<\/p>\n\n\n\n\n\n\n\n
      BENEFIT<\/th>\nCOVERAGE<\/th>\n<\/tr>\n<\/thead>\n
      Maternity (options I & II)<\/td>\n\n
        \n
      • US$5,000, no deductible applies<\/li>\n
      • Includes extraction and storage of umbilical cord blood stem cells<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
      Maternity and newborn complications (options I & II)<\/td>\nUS$500,000 per lifetime<\/td>\n<\/tr>\n
      Inclusion of the newborn within 90 days after the birth (options I & II)<\/td>\nWithout underwriting, if born from a covered maternity<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      [\/vc_column_text]<\/div><\/div>

      MEDICAL EVACUATION PROVISIONS<\/h3><\/div>
      [vc_column_text]<\/p>\n\n\n\n\n\n\n\n\n
      BENEFIT<\/th>\nCOVERAGE<\/th>\n<\/tr>\n<\/thead>\n
      Emergency transportation<\/td>\nGround ambulance<\/td>\n100%*, no deductible applies<\/td>\n<\/tr>\n
      Air ambulance<\/td>\nUS$65,000, no deductible applies<\/td>\n<\/tr>\n
      Cost of return ticket for the insured and one companion after an evacuation by air ambulance<\/td>\nUS$550 per person<\/td>\n<\/tr>\n
      Repatriation or cremation of mortal remains<\/td>\nUS$45,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      [\/vc_column_text]<\/div><\/div>

      OTHER PROVISIONS<\/h3><\/div>
      [vc_column_text]<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
      BENEFICIO<\/th>\nCOBERTURA<\/th>\n<\/tr>\n<\/thead>\n
      High-risk sports and activities<\/td>\n100%*<\/td>\n<\/tr>\n
      Emergency dental coverage<\/td>\n100%* for treatment within the first 180 days of the covered accident<\/td>\n<\/tr>\n
      Palliative care<\/td>\n100%*<\/td>\n<\/tr>\n
      Temporary coverage for accidents while application is being underwritten<\/td>\nUS$35,000<\/td>\n<\/tr>\n
      Free extended coverage for eligible dependents after policyholder\u2019s death<\/td>\n1 years<\/td>\n<\/tr>\n
      Deductible elimination\/reduction for no claims for 3 yearss<\/td>\nOPTIONS I, II & III:<\/p>\n
        \n
      • Elimination for 1 year after the 3rd year without claims<\/li>\n
      • 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

        OPTIONS IV & V:<\/p>\n

          \n
        • Reduction of 50% of the deductible for 1 year after the 3rd year without claims<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
      Executive checkup<\/td>\nUp to US$750 (After 24-months waiting period inside the EVER\u00ae Prevent Network<\/td>\n<\/tr>\n
      EVER Expert Medical Review\u00ae<\/td>\nUnlimited access to medical reviews from recognized world experts, deductible does not apply<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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