Ever Insurance Evermore
Type of plan
Evermore
Maximum coverage per insured
US$5,000,000 per policy year
Age limit to apply
79
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
• 100% through the EVER US Network
• Outside the EVER US Network 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 room
• Emergency medical treatment will be covered 100% up to the policy limits
• Outside the EVER US Network 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 room
• Emergency medical treatment will be covered 100% up to the policy limits
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit
Special benefit for suite
N/A
Intensive care unit
100% up to the coverage limit
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• US$150 per night, max. of 45 nights
Related to a hospitalization of an insured 18 years and older
• 100% max. of 30 nights
• US$150 per night, max. of 45 nights
Related to a hospitalization of an insured 18 years and older
• 100% max. of 30 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
US$2,000
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
100%
Prescribed medications
US$15,000
Complementary therapy
N/A
Nurse care at home
US$12,000
Preventive health checkup
No deductible applies, after a 10-month waiting period
Options I, II & III
• US$100 up to 17 years old
• US$150 from 18 years and older
Executive preventive care
• Up to US$750, after a 24-month waiting period within the EVER Prevent Network
Options I, II & III
• US$100 up to 17 years old
• US$150 from 18 years and older
Executive preventive care
• Up to US$750, after a 24-month waiting period within the EVER Prevent Network
Hearing aids
US$1,200 per lifetime
Alzheimer’s disease
100%
Autism
Included in the specialized treatments benefit up to US$4,000
Outpatient surgery
100%
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100%
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Surgery to reduce the risk of cancer or prophylactic surgery
US$35,000 per lifetime, after a 12-month waiting period
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$500.000 per lifetime
• US$500.000 per lifetime (with optional rider)
• US$500.000 per lifetime
• US$500.000 per lifetime (with optional rider)
Benefits for live donors
Included in the organ transplant benefit, no limit specified
Durable medical equipment
US$12,000
Allergy treatments
100%
Physical therapy and rehabilitation
Inpatient
• 100%
Outpatient
• US$12,500
• 100%
Outpatient
• US$12,500
Specialized treatments
Occupational therapist, speech therapist, sleep apnea and other sleep disorders
• US$4,000 for outpatient and inpatient treatments
• US$4,000 for outpatient and inpatient treatments
Congenital conditions diagnosed before age 18
US$500,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$250,000 per lifetime, after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
100% after a 24-month waiting period
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options I & II
• US$5,000 per pregnancy, including extraction and storage of stem cells
Options I & II
• US$5,000 per pregnancy, including extraction and storage of stem cells
Maternity and newborn complications
No deductible applies, after a 10-month waiting period
Options I & II
• US$500,000 per covered pregnancy, per lifetime
Options I & II
• US$500,000 per covered pregnancy, per lifetime
Inclusion of the newborn
Options I & II
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Extraction and storage of umbilical cord blood stem cells
Options I & II
• Included in the maternity benefit up to US$5,000
• Included in the maternity benefit up to US$5,000
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Options I & II
• Included in the maternity and newborn complications benefit up to US$500,000
• Included in the maternity and newborn complications benefit up to US$500,000
Pre-natal and post-natal care
Not specified
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
US$65,000 no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$550 per person
Repatriation of mortal remains
US$45,000
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
100%
Injuries during the training or practice of professional sports
100% solo para deportes profesionales de bajo riesgo
Emergency dental coverage
100% for treatment within the first 180 days of the covered accident
Reconstructive surgery after an accident or illness
100% if medically necessary and as a result of a medical condition covered by the policy
Refractive eye surgery
N/A
Palliative care for terminal cases
100%
Temporary coverage for accidents while application is being underwritten
US$35,000
Free extended coverage for eligible dependents after policyholder’s death
1 year if occurs from a covered event
Free coverage for dependents
N/A
Deductible elimination/reduction for no claims made
Options I, II & III
• Elimination for 1 policy year after the end of the 3rd year without claims
• Reduction of 50% for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Options IV & V
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
• Elimination for 1 policy year after the end of the 3rd year without claims
• Reduction of 50% for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Options IV & V
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
Deductible elimination
Not specified
Second medical opinion
Included
Prosthetic limbs
Not specified
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
N/A
Declared pre-existing conditions
Not specified
Catastrophic and chronic illnesses that survive the contracting of the service
N/A
Catastrophic and unusual conditions
N/A
Medical emergency
100%
Illness or injury in private aircraft
Not specified
Contraceptive treatments
N/A
Patient concierge services
Not specified
Travel assistance
Not specified
Hospital cash benefit
N/A
Optional additional benefits
Evacuation to country of choice, country of residence or home country
N/A
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A