Premium Health Coverage for the Life You Were Meant to Live.
* "Soul-adjacent conditions" refers to documented metaphysical ailments including but not limited to: partial soul displacement, residual divine trauma, possession aftermath, and identity fracture syndrome. Evaluation required. ₡ = Dracos. Monthly premium based on single-individual standard-risk profile. Hybrid and multi-species applicants may receive adjusted pricing following assessment. Posthumous continuity clauses subject to species classification and contract terms.
| Coverage Area | Onyx | Crimson | Sovereign |
|---|---|---|---|
| General Medicine | |||
| Unlimited GP visits | ✔ | ✔ | ✔ |
| Emergency & trauma care | ✔ | ✔ | ✔ |
| Hospitalization (inpatient) | Up to 30 days | ✔ Unlimited | ✔ Unlimited |
| Dental & vision | Basic | Comprehensive | ✔ Full |
| Prescription coverage | Standard formulary | Extended formulary | ✔ All formularies |
| Supernatural & Species-Specific | |||
| Werewolf regenerative care | Basic | ✔ | ✔ |
| Vampire-adjacent bloodwork | ✗ | ✔ | ✔ |
| Mana & elemental trauma | 2 events/year | ✔ Unlimited | ✔ Unlimited |
| Hybrid physiology specialists | ✗ | ✔ | ✔ |
| Transformation complication care | ✗ | ✔ | ✔ |
| Soul-adjacent conditions | ✗ | ✗ | ✔ With assessment |
| Anti-curse intervention | ✗ | ✗ | ✔ |
| Mental Health & Wellness | |||
| Therapy & counseling | 12 sessions/year | 40 sessions/year | ✔ Unlimited |
| Trauma & PTSD treatment | ✗ | ✔ | ✔ |
| Virelia Wellness Retreat | ✗ | ✗ | 2 stays/year |
| Advanced & Exclusive | |||
| Deveraux Biotech experimental access | ✗ | ✔ | ✔ |
| Velence Concierge Advisor | ✗ | ✗ | ✔ Dedicated |
| Priority surgical scheduling | ✗ | 72-hour | ✔ 48-hour |
| Posthumous continuity clause | ✗ | ✗ | Available |