{"id":2756,"date":"2022-07-01T22:38:46","date_gmt":"2022-07-02T03:38:46","guid":{"rendered":"https:\/\/ever.itrends.dev\/evermore\/"},"modified":"2025-07-30T16:31:30","modified_gmt":"2025-07-30T21:31:30","slug":"evermore","status":"publish","type":"page","link":"https:\/\/4everinsurance.com\/en\/evermore\/","title":{"rendered":"EVERMORE"},"content":{"rendered":"

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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”][vc_column_text][\/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>
<\/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

<\/div><\/div>

PLAN INFORMATION<\/h3><\/div>
<\/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

    <\/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\/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

    <\/div><\/div>

    OUTPATIENT PROVISIONS<\/h3><\/div>
    <\/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

    <\/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
    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

    <\/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
    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

    <\/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>\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

    <\/div><\/div>

    OTHER PROVISIONS<\/h3><\/div>
    <\/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

    <\/div><\/div>[vc_btn title=”DOWNLOAD” shape=”square” color=”purple” 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%2FEVERMORE_BOOK_eng-2022-11-23.pdf|title:EVERMORE|target:_blank”][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

    [vc_row equal_height=”yes”][vc_column width=”1\/3″][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”][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row equal_height=”yes” disable_element=”yes”][vc_column width=”1\/3″][vc_btn title=”EVEREST” shape=”square” color=”blue”…<\/p>\n","protected":false},"author":1,"featured_media":5525,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2756","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/4everinsurance.com\/en\/wp-json\/wp\/v2\/pages\/2756","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/4everinsurance.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/4everinsurance.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/4everinsurance.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/4everinsurance.com\/en\/wp-json\/wp\/v2\/comments?post=2756"}],"version-history":[{"count":13,"href":"https:\/\/4everinsurance.com\/en\/wp-json\/wp\/v2\/pages\/2756\/revisions"}],"predecessor-version":[{"id":6770,"href":"https:\/\/4everinsurance.com\/en\/wp-json\/wp\/v2\/pages\/2756\/revisions\/6770"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/4everinsurance.com\/en\/wp-json\/wp\/v2\/media\/5525"}],"wp:attachment":[{"href":"https:\/\/4everinsurance.com\/en\/wp-json\/wp\/v2\/media?parent=2756"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}