{"id":1914,"date":"2022-06-23T22:41:29","date_gmt":"2022-06-24T03:41:29","guid":{"rendered":"https:\/\/ever.itrends.dev\/everest\/"},"modified":"2023-10-03T11:39:28","modified_gmt":"2023-10-03T16:39:28","slug":"everest","status":"publish","type":"page","link":"https:\/\/4everinsurance.com\/en\/everest\/","title":{"rendered":"EVEREST"},"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 activo” 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” 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”][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”][\/vc_column][vc_column width=”2\/3″ css=”.vc_custom_1656714429919{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 everest-color”][vc_column_text]\n
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OPCIONES DE DEDUCIBLES<\/h2>\n<\/div>\n\n\n
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<\/p>\n \n \n \n \n \n \n <\/tr>\n <\/tbody>\n <\/table>\n

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

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INFORMACI\u00d3N DEL PLAN<\/h2>\n <\/div>\n \n
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<\/p>\n

<\/th>\n I<\/th>\n II<\/th>\n III<\/th>\n IV<\/th>\n <\/tr>\n <\/thead>\n
US$5.000<\/td>\n US$10.000<\/td>\n US$15.000<\/td>\n US$20.000<\/td>\n <\/tr>\n
\n \n \n \n \n \n \n \n \n \n \n \n
BENEFICIO<\/th>\n COBERTURA<\/th>\n <\/tr>\n <\/thead>\n
Tipo de Plan<\/td>\n Individual <\/td>\n <\/tr>\n
\u00c1mbito geogr\u00e1fico de Cobertura <\/td>\n En Ecuador: 100% Dentro de la Red de Everlite 100% Dentro de la Red de Colombia 100% Dentro de la Red de Espa\u00f1a (100%): \u2022 Cl\u00ednica Universidad de Navarra \u2022 Hospital San Juan de Dios<\/td>\n <\/tr>\n
Modalidad<\/td>\n Mixta<\/td>\n <\/tr>\n
L\u00edmite m\u00e1ximo por incapacidad, por titular y\/o Dependiente<\/td>\n US$550.000<\/td>\n <\/tr>\n
Per\u00edodo de incapacidad<\/td>\n 365 dias<\/td>\n <\/tr>\n
Tipo de deducible<\/td>\n Por A\u00f1o Contrato para todos los afiliados, por Titular y\/o Dependiente
(No incluye beneficio de Transferencia de deducible)<\/td>\n <\/tr>\n
Nombre de tarifario aplicable<\/td>\n Metropolitano<\/td>\n <\/tr>\n
De acuerdo a tabla anexa a esta tabla de coberturas<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

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

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Per\u00edodo de Carencia<\/h2>\n
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\r\nPER\u00cdODO POR A\u00d1O CONTRATO: 365 d\u00edas
\r\n
\r\nPER\u00cdODO DE PRESENTACI\u00d3N DE SINIESTROS: 90 d\u00edas
\r\n
\r\nTodas las prestaciones sanitarias y coberturas cubiertas que no tienen un l\u00edmite establecido en esta tabla de beneficios se someter\u00e1n a lo estipulado en las Condiciones Generales de este Contrato. \r\n

\r\nTodas las prestaciones sanitarias y coberturas descritos en esta Tabla aplican Deducible y\/o Copago, excepto en aquellos casos que se especifique lo contrario.<\/p>\n <\/div>\n <\/div>\n \n

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<\/p>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
BENEFICIO<\/th>\n COPAGO<\/th>\n COBERTURA<\/th>\n CARENCIA<\/th>\n <\/tr>\n <\/thead>\n
COBERTURA AMBULATORIA<\/td>\n -<\/td>\n <\/td>\n -<\/td>\n <\/tr>\n
PROHIBICIONES A LAS EXCLUSIONES<\/td>\n -<\/td>\n <\/td>\n -<\/td>\n <\/tr>\n
Legrados o abortos no punibles, siempre y cuando estos sean indicados como procedimiento terap\u00e9utico por un m\u00e9dico<\/td>\n 0%<\/td>\n US$50.000
(Solo aborto no punible)<\/td>\n 		30 d\u00edas <\/td>\n <\/tr>\n
Consultas m\u00e9dicas y especialistas y subespecialidades.<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 30 dias<\/td>\n <\/tr>\n
Di\u00e1lisis y hemodi\u00e1lisis. <\/td>\n 0%<\/td>\n US$550.000<\/td>\n 30 dias<\/td>\n <\/tr>\n
Terapias de rehabilitaci\u00f3n f\u00edsica, respiratoria, cardiol\u00f3gica y de lenguaje. <\/td>\n 0%<\/td>\n US$550.000<\/td>\n 30 dias<\/td>\n <\/tr>\n
Cobertura provisional para accidentes mientras se procesa la solicitud<\/td>\n 0%<\/td>\n US$15.000<\/td>\n N\/A<\/td>\n <\/tr>\n
Tratamientos especializados: autismo, psiquiatra y terapia ocupacional.<\/td>\n 0%<\/td>\n US$1.000<\/td>\n 30 dias<\/td>\n <\/tr>\n
Enfermero en el hogar<\/td>\n 0%<\/td>\n US$50 m\u00e1ximo 15 d\u00edas.<\/td>\n 30 dias<\/td>\n <\/tr>\n
Insumos, medicamentos gen\u00e9ricos y marca por prescripci\u00f3n m\u00e9dica.<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 30 dias<\/td>\n <\/tr>\n
Servicios de estudios y diagn\u00f3sticos (ex\u00e1menes de laboratorio, patolog\u00eda, rayos-X, resonancias magn\u00e9ticas y tomograf\u00edas)<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 30 dias<\/td>\n <\/tr>\n
Cuidados paliativos para afiliados con enfermedades terminales.<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 30 dias<\/td>\n <\/tr>\n
Medicina ancestral y alternativa, \u00fanicamente en el pa\u00eds de residencia.<\/td>\n 0%<\/td>\n \u2022 Ancestral: US$500
\u2022 Alternativa US$550.000<\/td>\n 		30 dias<\/td>\n <\/tr>\n
Telemedicina (dentro de la red)<\/td>\n 0%<\/td>\n US$550.000 <\/td>\n 30 d\u00edas <\/td>\n <\/tr>\n
COBERTURA PRE-HOSPITALARIA <\/td>\n -<\/td>\n <\/td>\n -<\/td>\n <\/tr>\n
Transportaci\u00f3n por ambulancia \u00e1rea local<\/td>\n 0%<\/td>\n US$3.000<\/td>\n \u2022 Ambulatoria:
\r\n30 d\u00edas
\r\n\u2022 Hospitalaria:
\r\n90 d\u00edas
\r\n\u2022 Emergencia:
\r\n24 horas<\/td>\n <\/tr>\n
Transportaci\u00f3n de emergencia por ambulancia terrestre<\/td>\n 0%<\/td>\n US$100<\/td>\n \u2022 Ambulatoria:
\r\n30 d\u00edas
\r\n\u2022 Hospitalaria:
\r\n90 d\u00edas
\r\n\u2022 Emergencia:
\r\n24 horas<\/td>\n <\/tr>\n
Transportaci\u00f3n de emergencia por ambulancia fluvial <\/td>\n 0%<\/td>\n US$100<\/td>\n \u2022 Ambulatoria:
\r\n30 d\u00edas
\r\n\u2022 Hospitalaria:
\r\n90 d\u00edas
\r\n\u2022 Emergencia:
\r\n24 horas<\/td>\n <\/tr>\n
COBERTURA HOSPITALARIA <\/td>\n -<\/td>\n <\/td>\n -<\/td>\n <\/tr>\n
Habitaci\u00f3n privada est\u00e1ndar, servicios de enfermer\u00eda y auxiliares de enfermer\u00eda.<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 90 d\u00edas<\/td>\n <\/tr>\n
Acompa\u00f1ante adulto en hospitalizaci\u00f3n (1 cama y alimentaci\u00f3n del acompa\u00f1ante cuando el hospitalizado sea un menor de 16 a\u00f1os o mayor de 75 a\u00f1os)<\/td>\n 0%<\/td>\n \u2022 US$150 por noche (m\u00e1x. 30 noches) menores de 18 a\u00f1os
\u2022 US$550.000 (m\u00e1x. 30 noches) mayores a 18 a\u00f1os<\/td>\n 		90 d\u00edas<\/td>\n <\/tr>\n
Insumos y medicamentos prescritos durante la hospitalizaci\u00f3n<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 90 d\u00edas<\/td>\n <\/tr>\n
Honorarios: cirujano (100%), anestesi\u00f3logo 35% y asistente del cirujano 30%<\/td>\n 0%<\/td>\n \u2022 US$550.000
\u2022 Anestesi\u00f3logo: 35%
\u2022 1er Asistente: 30%<\/td>\n 		90 d\u00edas<\/td>\n <\/tr>\n
Interconsultas y visitas m\u00e9dicas.<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 90 d\u00edas<\/td>\n <\/tr>\n
Cuidados intensivos.<\/td>\n 0%<\/td>\n US$550.000 (m\u00e1x. 240 d\u00edas)<\/td>\n 90 d\u00edas<\/td>\n <\/tr>\n
Cirug\u00eda pl\u00e1stica reconstructiva en caso de enfermedad o accidente cubierto.<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 90 d\u00edas<\/td>\n <\/tr>\n
Servicios de estudios y diagn\u00f3sticos (ex\u00e1menes de laboratorio, patolog\u00eda, rayos-X, resonancias magn\u00e9ticas y tomograf\u00edas)<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 90 d\u00edas<\/td>\n <\/tr>\n
COBERTURA DE MATERNIDAD<\/td>\n -<\/td>\n <\/td>\n -<\/td>\n <\/tr>\n
Maternidad, despu\u00e9s del deducible (todas las opciones)<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 60 d\u00edas<\/td>\n <\/tr>\n
Complicaciones de la maternidad y del reci\u00e9n nacido (opciones I y II) vitalicio (despu\u00e9s de un periodo de carencia de 60 d\u00edas).
Legrados o abortos no punibles, siempre y cuando estos sean indicados como procedimiento terap\u00e9utico por un m\u00e9dico.<\/td>\n 		0%<\/td>\n \u2022 US$50.000 para complicaciones de maternidad
\u2022 US$550.000 para complicaciones del reci\u00e9n nacido<\/td>\n 		60 d\u00edas<\/td>\n <\/tr>\n
Inclusi\u00f3n del reci\u00e9n nacido dentro de los 30 d\u00edas posteriores al nacimiento<\/td>\n 0%<\/td>\n Si aplica<\/td>\n 60 d\u00edas<\/td>\n <\/tr>\n
COBERTURAS OBLIGATORIAS <\/td>\n -<\/td>\n <\/td>\n -<\/td>\n <\/tr>\n
Emergencia m\u00e9dica<\/td>\n 0%<\/td>\n US$550.000 <\/td>\n 24 horas<\/td>\n <\/tr>\n
Cobertura tarifa cero, despu\u00e9s del deducible<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 30 d\u00edas<\/td>\n <\/tr>\n
Otras que determine la Autoridad Sanitaria Nacional, despu\u00e9s del deducible<\/td>\n 0%<\/td>\n US$500<\/td>\n 30 d\u00edas<\/td>\n <\/tr>\n
Condiciones laborales o profesionales<\/td>\n 0%<\/td>\n US$200<\/td>\n 30 d\u00edas<\/td>\n <\/tr>\n
Tratamiento de enfermedades de transmisi\u00f3n sexual <\/td>\n 0%<\/td>\n US$10.000<\/td>\n \u2022 Ambulatoria:
\r\n30 d\u00edas
\r\n\u2022 Hospitalaria:
\r\n90 d\u00edas<\/td>\n <\/tr>\n
F\u00f3rmulas alimenticias medicadas, siempre y cuando la enfermedad obligue su utilizaci\u00f3n y sea prescrita <\/td>\n 0%<\/td>\n US$3.000 (solo para menores de 2 a\u00f1os)<\/td>\n 30 d\u00edas<\/td>\n <\/tr>\n
Enfermedades catastr\u00f3ficas, raras y cr\u00f3nicas, sobrevinientes a la contrataci\u00f3n: Alimentaci\u00f3n enteral, parenteral, complementos alimenticios prescritos; y tratamiento con estimulantes del crecimiento para este tipo de patolog\u00edas<\/td>\n 0%<\/td>\n US$550.000 <\/td>\n \u2022 Ambulatoria:
\r\n30 d\u00edas
\r\n\u2022 Hospitalaria:
\r\n90 d\u00edas<\/td>\n <\/tr>\n
Condiciones de salud consecuentes de un accidente y\/o enfermedades por uso de drogas, estupefacientes, embriaguez, alcoholismo y lesiones debido a trastornos de salud mental, estados de demencia incluso a resultantes por intento de suicidio. Luego de aplicar el deducible<\/td>\n 0%<\/td>\n US$500<\/td>\n 30 d\u00edas <\/td>\n <\/tr>\n
Cobertura dental de emergencia por lesiones resultantes de un accidente cubierto, el tratamiento debe darse m\u00e1ximo hasta las primeras 24 horas del accidente<\/td>\n 0%<\/td>\n US$550.000 <\/td>\n 24 horas <\/td>\n <\/tr>\n
Tratamiento para lesiones como consecuencia de la participaci\u00f3n en competencias, demostraciones o entrenamientos de Deportes Profesionales, por la cual el Titular y\/o Dependientes reciban una compensaci\u00f3n monetaria o beneficio financiero, luego de aplicado el Deducible<\/td>\n 0%<\/td>\n US$500<\/td>\n 30 dias<\/td>\n <\/tr>\n
Gastos m\u00e9dicos causados a consecuencia de lesiones que surjan como resultado del servicio activo en calidad de polic\u00eda, miembro de las fuerzas armadas, cuerpo de bomberos o personal de empresas de seguridad, luego de aplicado el Deducible<\/td>\n 0%<\/td>\n US$600<\/td>\n 30 d\u00edas <\/td>\n <\/tr>\n
PREEXISTENCIAS<\/td>\n -<\/td>\n <\/td>\n -<\/td>\n <\/tr>\n
L\u00edmite M\u00e1ximo por A\u00f1o Contrato para todas las Condiciones Preexistentes declaradas, por Titular y\/o Dependiente, luego de aplicado el Deducible<\/td>\n 0%<\/td>\n 20 SBU<\/td>\n 24 meses<\/td>\n <\/tr>\n
Preexistencias derivadas de Discapacidad<\/td>\n 0%<\/td>\n 20 SBU<\/td>\n 3 meses<\/td>\n <\/tr>\n
OTRAS COBERTURAS<\/td>\n -<\/td>\n <\/td>\n -<\/td>\n <\/tr>\n
Trasplante de \u00f3rganos (por \u00f3rgano\/tejido)
Gastos m\u00e9dicos y complicaciones del donante vivo, Gastos del donante que tiene relaci\u00f3n con la procuraci\u00f3n de \u00f3rganos en donantes cadav\u00e9ricos o con la extracci\u00f3n del \u00f3rgano en donantes vivos, ni sus complicaciones, hasta el l\u00edmite de la cobertura. El monto de este beneficio se encuentra inclu\u00eddo en el beneficio de trasplante de \u00f3rganos<\/td>\n 		0%<\/td>\n US$275.000<\/td>\n \u2022 Ambulatoria:
\r\n30 d\u00edas
\r\n\u2022 Hospitalaria:
\r\n90 d\u00edas<\/td>\n <\/tr>\n
Condiciones cong\u00e9nitas y hereditarias, que se manifiesten antes o despu\u00e9s de los 18 a\u00f1os de edad, en caso de partos m\u00faltiples aplicar\u00e1 a cada reci\u00e9n nacido si es que se encuentra dentro de un embarazo cubierto, beneficio vitalicio <\/td>\n 0%<\/td>\n US$550.000<\/td>\n \u2022 Ambulatoria:
\r\n30 d\u00edas
\r\n\u2022 Hospitalaria:
\r\n90 d\u00edas<\/td>\n <\/tr>\n
Cobertura oncol\u00f3gica integral (ex\u00e1menes de c\u00e1ncer, medicamentos y tratamiento: quimioterapia y\/o radioterapia)<\/td>\n 0%<\/td>\n US$550.000 <\/td>\n \u2022 Ambulatoria:
\r\n30 d\u00edas
\r\n\u2022 Hospitalaria:
\r\n90 d\u00edas<\/td>\n <\/tr>\n
Cirug\u00eda rob\u00f3tica, despu\u00e9s del Deducible<\/td>\n 0%<\/td>\n US$25.000<\/td>\n \u2022 Ambulatoria:
\r\n30 d\u00edas
\r\n\u2022 Hospitalaria:
\r\n90 d\u00edas<\/td>\n <\/tr>\n
COBERTURAS NO SANITARIAS<\/td>\n -<\/td>\n <\/td>\n -<\/td>\n <\/tr>\n
4EVER\u00ae Expert Medical Review (Segunda Opini\u00f3n M\u00e9dica)<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 30 d\u00edas <\/td>\n <\/tr>\n
Servicios exequiales (dentro de la red)<\/td>\n 0%<\/td>\n US$550.000 <\/td>\n 30 d\u00edas <\/td>\n <\/tr>\n
Servicio de M\u00e9dico a Domicilio aplicando Fee de US$12,00 (Dentro de la red)<\/td>\n 0%<\/td>\n US$550.000 <\/td>\n 30 d\u00edas <\/td>\n <\/tr>\n
Servicios Concierge<\/td>\n 0%<\/td>\n US$550.000<\/td>\n 30 d\u00edas <\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

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

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CUADRO DE COBERTURAS - SERVICIO ANTE URGENCIAS O EMERGENCIAS M\u00c9DICAS DURANTE VIAJES INTERNACIONALES<\/h2>\n <\/div>\n \n
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<\/p>\n \n \n \n \n \n \n \n \n \n \n \n \n \n
BENEFICIO<\/th>\n COBERTURA<\/th>\n <\/tr>\n <\/thead>\n
Gastos de estancia para acompa\u00f1ante<\/td>\n US$100 por d\u00eda, m\u00e1ximo 5 d\u00edas<\/td>\n <\/tr>\n
Gastos de transporte para acompa\u00f1ante<\/td>\n US$1.000<\/td>\n <\/tr>\n
Regreso de menores de edad<\/td>\n US$1.000<\/td>\n <\/tr>\n
Repatriaci\u00f3n de restos mortales<\/td>\n 100%<\/td>\n <\/tr>\n
Repatriaci\u00f3n m\u00e9dica<\/td>\n US$25.000<\/td>\n <\/tr>\n
Ambulancia a\u00e9rea<\/td>\n 100%<\/td>\n <\/tr>\n
M\u00e1ximo de d\u00edas por viaje<\/td>\n 45 d\u00edas<\/td>\n <\/tr>\n
Deducible por viaje por Titular y\/o Dependientes<\/td>\n No aplica<\/td>\n <\/tr>\n
L\u00edmite m\u00e1ximo por viaje por Titular y\/o Dependientes<\/td>\n Opci\u00f3n de deducible seleccionada por el afiliado<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n

<\/p>\n <\/div>\n <\/div>\n \n\n\n\n
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\n DESCARGAR <\/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 activo” 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” 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”][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”][\/vc_column][vc_column width=”2\/3″ css=”.vc_custom_1656714429919{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 everest-color”]

DEDUCTIBLE OPTIONS<\/h3><\/div>
<\/p>\n\n\n\n\n\n\n
<\/th>\nI<\/th>\nII<\/th>\nIII<\/th>\nIV<\/th>\nV<\/th>\nVI<\/th>\nVII<\/th>\n<\/tr>\n<\/thead>\n
Outside USA<\/td>\nUS$500<\/td>\nUS$1,000<\/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>\nUS$2,000<\/td>\nUS$3,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/div><\/div>

PLAN INFORMATION<\/h3><\/div>
<\/p>\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>\nUnlimited<\/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
Geographical coverage<\/td>\nWorldwide, without restrictions of doctors and hospitals<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/div><\/div>

INPATIENT PROVISIONS<\/h3><\/div>
<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
BENEFIT<\/th>\nCOVERAGE<\/th>\n<\/tr>\n<\/thead>\n
Standard private hospital room<\/td>\n100%<\/td>\n<\/tr>\n
Special benefit for suite accommodation (subject to availability)<\/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>\n100%, unlimited 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
Psychiatric Treatments<\/td>\nUS$5,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/div><\/div>

OUTPATIENT PROVISIONS<\/h3><\/div>
<\/p>\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
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>\n100%<\/td>\n<\/tr>\n
Complementary therapies: chiropractor, psychologist, psychiatrist, osteopathy and\/or acupuncture<\/td>\nUS$15,000<\/td>\n<\/tr>\n
Nurse or therapist care at home<\/td>\n100%<\/td>\n<\/tr>\n
Preventive health checkup, per insured, no deductible applies (options I, II, III, IV, V & VI)<\/td>\n\n
    \n
  • US$300 per visit, up to 6 visits, for insureds 0 to 12 months of age<\/li>\n
  • Up to US$500 from 12 months of age, including up to US$75 per preventive dental checkup in options I, II and III<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Hearing aids<\/td>\nUS$4,000 per lifetime.<\/td>\n<\/tr>\n
Alzheimer\u2019s disease<\/td>\n100%<\/td>\n<\/tr>\n
Autism treatment<\/td>\n\n
    \n
  • 100% if the insured was born under a covered maternity<\/li>\n
  • US$12,000 for insureds not born under a covered maternity, and who developed the condition while they were insured<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Allergy treatment<\/td>\n100%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/div><\/div>

GENERAL PROVISIONS<\/h3>

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

<\/p>\n\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$50,000 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$5,000,000 per lifetime Includes expenses of the live donor<\/td>\n<\/tr>\n
Durable medical equipment<\/td>\n100%<\/td>\n<\/tr>\n
Physical therapy and rehabilitation<\/td>\n100%<\/td>\n<\/tr>\n
Specialized treatments (occupational therapy, speech therapy, sleep apnea and other sleep disorders)<\/td>\nUS$6,000<\/td>\n<\/tr>\n
Congenital conditions<\/td>\nDiagnosed before age 18<\/td>\nUS$2,100,000 per lifetime<\/td>\n<\/tr>\n
Diagnosed after age 18<\/td>\n100%<\/td>\n<\/tr>\n
HIV-AIDS<\/td>\nUS$1,100,000 per lifetime (after a 24-month waiting period)<\/td>\n<\/tr>\n
Bariatric surgery<\/td>\nUS$25,000 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

<\/div><\/div>

MATERNITY PROVISIONS<\/h3>

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

<\/p>\n\n\n\n\n\n\n\n\n\n\n
BENEFIT<\/th>\nCOVERAGE<\/th>\n<\/tr>\n<\/thead>\n
Maternity (options I, II & III)<\/td>\n\n
    \n
  • 100%* normal delivery or scheduled cesarian delivery in a hospital with self-pay package<\/li>\n
  • US$10,000 for normal delivery (if only mother is insured)<\/li>\n
  • US$12,000 for cesarean delivery (If both parents are insured)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Stem cell collection and storage (options I, II & III)<\/td>\nUS$2,500 per covered pregnancy<\/td>\n<\/tr>\n
Maternity and newborn complications (options I, II & III)<\/td>\nUS$1,250,000 per lifetime<\/td>\n<\/tr>\n
Inclusion of the newborn within 90 days after the birth (options I, II & III)<\/td>\nWithout underwriting, if born from a covered maternity<\/td>\n<\/tr>\n
Free coverage for dependents up to 5 years old (option I)<\/td>\n\n
    \n
  • Max. of 2 children born from a covered maternity, if both parents are insured in the policy<\/li>\n
  • Max. of 1 child born from a covered maternity, if only the mother is insured in the policy<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Fertility treatment (options I & II)<\/td>\nUS$6,000 per lifetime, after deductible (after a 24-month waiting period)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/div><\/div>

MEDICAL EVACUATION PROVISIONS<\/h3><\/div>
<\/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>\n100%*, 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$3,000 per person<\/td>\n<\/tr>\n
Repatriation or cremation of mortal remains<\/td>\n100%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/div><\/div>

OTHER PROVISIONS<\/h3><\/div>
<\/p>\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
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
Refractive eye surgery<\/td>\nUS$750 per eye, per lifetime (after a 24-month waiting period)<\/td>\n<\/tr>\n
Palliative care<\/td>\n100%*<\/td>\n<\/tr>\n
Temporary coverage for accidents while the application is being underwritten<\/td>\nUS$40,000<\/td>\n<\/tr>\n
Free extended coverage for eligible dependents after the policyholder\u2019s death<\/td>\n2 years<\/td>\n<\/tr>\n
Deductible elimination\/reduction for no claims for 3 years<\/td>\nOPTIONS I, II, III & IV:<\/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 V & VI:<\/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$1,500, after a 24-month waiting period within the EVER\u00ae Prevent Network.<\/td>\n<\/tr>\n
Female Sterilization (Tubal Ligation)<\/td>\nUp to US$1,500 per lifetime, after 10-months waiting period (options I, II & III)<\/td>\n<\/tr>\n
Male Sterilization (Vasectomy)<\/td>\nUp to US$1,500 per lifetime, after 24-months waiting period (options I, II & III)<\/td>\n<\/tr>\n
Nutritionist visits<\/td>\nUp to 5 visits per policy year<\/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

<\/div><\/div>[vc_btn title=”DOWNLOAD” shape=”square” color=”blue” align=”left” i_align=”right” i_icon_fontawesome=”fas fa-file-pdf” add_icon=”true” el_class=”ever-alt activo” link=”url:https%3A%2F%2Feverinsuranceglobal.com%2Fwp-content%2Fuploads%2F2022%2F11%2FEVEREST_BOOK_eng_2022_11_02.pdf|title:EVEREST|target:_blank”][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

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