HOSPITALIZATION
Indy+Plus provides hospitalization coverage for hospital room and board, intensive care, surgery, medical treatment, laboratory tests, x-rays, chemotherapy, anaesthetists fees, emergency room treatment and nursing.

OUTPATIENT
Indy+Plus provides coverage for outpatient services including medical consultations, diagnosis, pathology, radiography, laboratory, x-rays, surgery and chiropractors.

PRESCRIPTION MEDICATION
Inpatient and Outpatient prescription medication is covered.

HUMAN ORGAN/TISSUE TRANSPLANT
Indy+Plus provides up to $500,000 lifetime benefit for Heart, Heart/Lung, Lung, Kidney, Kidney/Pancreas, Liver, and Allogeneic and Autologous Bone Marrow Transplants. The procedure and related services must take place in the Managed Transplant System Network, which presently consists of 22 centers of excellence across the US.

MATERNITY AND NEWBORN BENEFITS
Maternity is covered on the same basis as any other illness, after 10 months of continuous coverage. If the Maternity is covered, the Newborn is covered from the moment of birth. Routine well-baby care for the first 14 days of life is also covered.

EMERGENCY EVACUATION
Indy+Plus provides a $25,000 lifetime benefit for Emergency Evacuation to the nearest qualified medical facility while outside the US. All evacuations must be coordinated by IMG. Emergency Evacuation Benefits terminate at age 65.

MENTAL OR NERVOUS DISORDERS
Indy+Plus includes $10,000 per Policy Year, $20,000 lifetime limit, for treatment of mental or nervous disorders, after 12 months of continuous coverage.

LOCAL AMBULANCE EXPENSE
Indy+Plus includes up to $2,500 lifetime for transportation by ambulance.

WELLNESS BENEFIT
Males over age 40 and Females over age 35 are covered for up to $100 per Policy Year for a Routine Physical Examination, including Pap Smear and Mammogram, after 24 months of continuous coverage. This benefit is not subject to the Deductible or Coinsurance.