Maximum Coverage per insured, per policy year


Temporary medical coverage for accidents while application is being underwritten, per policy



Up to the age of 70


Guaranteed for life

Hospital Room & Board- Private/Semi-Private


Intensive Care Unit


Coverage for Companion of Hospitalized Child, per day/max 30 days


Organ Transplant per insured, per diagnosis


Maternity, per pregnancy *deductible and co-insurance waived in country of residence


Maternity Complications, per pregnancy


Newborn, per child, for the first 90 days after birth


Congenital and Hereditary Disorders, per insured/per lifetime
-Manifested before Insured's 18th birthday
-Manifested on or after Insured's 18th birthday


Emergency Air Ambulance transportation, per insured/per policy year


Emergency Ground Ambulance transportation, per insured/per policy year


Out Network Emergency Coverage, per occurrence


Repatriation of Mortal Remains, per insured


Diagnostic Services


Prescribed Drugs while in-patient, after deductible and co-insurance for 6 month period from date first prescribed


Sanus Provider Network: The insured is required to notify prior to receiving any medical care as detailed in the policy documents. This plan requires the Insured to use the Sanus Provider Network when receiving medical care in the United States of America.


  • Cancer Treatment (chemotherapy / radiation) 
  • Hospital Services 
  • Medical and Nursing Fees 
  • Diagnostic Procedure (pathology, laboratory tests, x-rays MRI / CT / PET, ultrasound and endoscopy) 
  • Surgery (including outpatient surgery) 
  • Visits to doctors and specialists 
  • Physiotherapy and Rehabilitation Services 
  • Health Care in (must be pre-approved) home 
  • Dialysis 
  • Custom Care Institution 
  • Disposable Medical Equipment
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