VUMI Global Flex VIP Basic
Type of plan
Global Flex VIP Basic
Cobertura máxima por asegurado
US$3,000,000 per policy year
Edad límite para solicitar cobertura
74
Período de espera
N/A
Cobertura fuera de Estados Unidos
100% without restrictions of doctors and hospitals subject to one the following geographical areas of coverage chosen at the time of the
application:
• Worldwide excluding USA
• Africa area of cover restriction
For insureds residing in Africa, the area of cover will be restricted to: Africa, India, Pakistan, Sri Lanka, Bangladesh, Jordan, Lebanon, Mainland China, and the Philippines.
• S.E. Asia area of cover restriction
For insureds residing in Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Thailand,Timor-Leste (East Timor) and Vietnam, the S.E. area of cover restriction will include Singapore but exclude Mainland China, Hong Kong, Japan and South Korea
Any treatment received outside the geographic area of coverage is limited to the emergency non-elective treatment benefit
application:
• Worldwide excluding USA
• Africa area of cover restriction
For insureds residing in Africa, the area of cover will be restricted to: Africa, India, Pakistan, Sri Lanka, Bangladesh, Jordan, Lebanon, Mainland China, and the Philippines.
• S.E. Asia area of cover restriction
For insureds residing in Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Thailand,Timor-Leste (East Timor) and Vietnam, the S.E. area of cover restriction will include Singapore but exclude Mainland China, Hong Kong, Japan and South Korea
Any treatment received outside the geographic area of coverage is limited to the emergency non-elective treatment benefit
Cobertura dentro de Estados Unidos
100% without restrictions of doctors and hospitals subject to the following geographical area of coverage chosen at the time of the
application:
• Worldwide including USA elective treatment, US$3,000,000 within USA, optional additional coverage
application:
• Worldwide including USA elective treatment, US$3,000,000 within USA, optional additional coverage
Beneficios hospitalarios
Habitación hospitalaria privada estándar
100%
Beneficio especial para suite
N/A
Unidad de cuidados intensivos
100%
Acompañante adulto durante una hospitalización
Related to a hospitalization of an insured under age 18
• 100%
• 100%
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
100% up to 30 days
Beneficios ambulatorios
Sala de emergencia
Within the geographical area of coverage
• 100%
Emergency non-elective treatment outside the geographical area of coverage
• 100% for injuries resulting from accidents, which require hospitalization
• US$50,000 for emergencies due to sudden illnesses, which require hospitalization, manifested during planned trips up to thirty 30 days of duration
• US$500 for outpatient emergency room hospital visits as a result
of an accident
• 100%
Emergency non-elective treatment outside the geographical area of coverage
• 100% for injuries resulting from accidents, which require hospitalization
• US$50,000 for emergencies due to sudden illnesses, which require hospitalization, manifested during planned trips up to thirty 30 days of duration
• US$500 for outpatient emergency room hospital visits as a result
of an accident
Visitas de médicos y especialistas
Pre and post-operative only, up to 15 days before
or after in-patient treatment
• 100%
or after in-patient treatment
• 100%
Visitas de médicos y especialistas en el hogar
N/A
Medicamentos prescritos
Pre and post-operative only, up to 15 days before
or after in-patient treatment
• 100%
or after in-patient treatment
• 100%
Terapias complementarias
N/A
Cuidados de enfermero(a) en el hogar
100% up to 30 days
Chequeo médico preventivo
N/A
Aparatos auditivos
N/A
Enfermedad de Alzheimer
N/A
Autismo
N/A
Cirugía ambulatoria
100%
Terapia de reemplazo hormonal para aliviar los síntomas de la menopausia
N/A
Beneficios generales
Honorarios del cirujano y del anestesiólogo
100%
Servicios de estudios diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
100%
Diálisis
100%
Cirugía de reducción de riesgo de cáncer o cirugía profiláctica
N/A
Prótesis y medios correctivos implantados durante una cirugía
N/A
Trasplante de órganos y tejidos
Per organ/tissue
• 100%
• 100%
Beneficios para el donante vivo
US$50,000 per lifetime, included in the organ transplant benefit
Equipo médico durable
100%
Tratamiento de alergias
N/A
Terapia física y de rehabilitación
100% up to 30 days, per medical condition
Tratamientos especializados
N/A
Condiciones congénitas diagnosticadas antes de los 18 años
Congenital Conditions after 30 days from birth
• US$50,000
Congenital Conditions from birth up to 30 days
• Covered under the newborn coverage benefit
• US$50,000
Congenital Conditions from birth up to 30 days
• Covered under the newborn coverage benefit
Condiciones congénitas diagnosticadas después de los 18 años
Included in the congenital conditions diagnosed before age 18 benefit
VIH-SIDA
US$50,000 after a 36-month waiting period
Tratamiento quirúrgico de trastornos sintomáticos de los pies
N/A
Psicología
N/A
Medicamentos prescritos para la salud mental
N/A
Beneficios de maternidad
Maternidad
N/A
Complicaciones de la maternidad y del recién nacido
After a 12-month waiting period
• 100%
• 100%
Inclusión del recién nacido
Subject to underwriting
Extracción y almacenamiento de células madres
N/A
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
Included in the maternity and newborn coverage benefit
Atención prenatal y postnatal
• Included in the maternity benefit
Newborn coverage benefit
• US$50,000 for medical expenses for injury or illness of the newborn, such as respiratory distress, prematurity, hypoglycaemia, congenital and hereditary disorders, low birth weight and birth trauma, which were diagnosed within the first 30 days of life, the newborn must be added to the policy within the first 90 days of life
Newborn coverage benefit
• US$50,000 for medical expenses for injury or illness of the newborn, such as respiratory distress, prematurity, hypoglycaemia, congenital and hereditary disorders, low birth weight and birth trauma, which were diagnosed within the first 30 days of life, the newborn must be added to the policy within the first 90 days of life
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100%
Transportación de emergencia por ambulancia aérea
• 100%
• US$300 per day for reasonable travel costs to and from the hospital for the insured and companion, and non-hospital accommodation, only for immediate pre and post-hospital admission periods provided that the Insured is under the care of a specialist
• US$300 per day for reasonable travel costs to and from the hospital for the insured and companion, and non-hospital accommodation, only for immediate pre and post-hospital admission periods provided that the Insured is under the care of a specialist
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
Included in the emergency transportation by air ambulance benefit
• 100% for economy class tickets, provided that it is performed within the thirty (30) days of discharge and it is coordinated by the Company
• 100% for economy class tickets, provided that it is performed within the thirty (30) days of discharge and it is coordinated by the Company
Repatriación de restos mortales
US$5,000 for burial or cremation costs
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
N/A
Lesiones durante el entrenamiento o la práctica de deportes profesionales
N/A
Cobertura dental de emergencia
100% within 30 days of accident
Cirugía correctiva o reconstructiva en caso de enfermedad o accidente
100% if medically necessary and as a result of a medical condition covered by the policy
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
US$50,000 per lifetime
Cobertura provisional para accidentes mientras se procesa la solicitud
N/A
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
2 years if occurs from a covered event and after the last payment period of the policy
Cobertura gratuita para dependientes
N/A
Eliminación/reducción del deducible por no presentar reclamos
N/A
Eliminación del deducible
N/A
Segunda opinión médica
Included
Prótesis externas
US$1,000
Tratamiento dental mayor o de rutina
N/A
Reembolso por viaje para tratamientos en la red de centros de excelencia de Latinoamérica
N/A
Guerra y terrorismo
100% for passive war and terrorism
Seguro de vida a término
N/A
Condiciones preexistentes declaradas
Covered when disclosed in the application, benefit will be previously evaluated
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
N/A
Condiciones catastróficas y raras
N/A
Emergencia médica
100%
Enfermedad o lesión en aeronave privada
N/A
Tratamientos anticonceptivos
N/A
Servicios de consultoría para pacientes
N/A
Asistencia de viaje
N/A
Beneficio hospitalario en dinero en efectivo
No deductible applies
• US$250 per night, max. of 30 nights when an Insured person is admitted for inpatient treatment and is receiving free-of-charge treatment that would have otherwise been eligible for coverage under this policy
• US$250 per night, max. of 30 nights when an Insured person is admitted for inpatient treatment and is receiving free-of-charge treatment that would have otherwise been eligible for coverage under this policy
Beneficios adicionales opcionales
Evacuación al país de elección, de residencia o domiciliar del asegurado
100%
Evacuación que no sea de emergencia
US$2,000
Exoneración del período de espera para condiciones preexistentes
N/A