VUMI Europe Protect VIP
Type of plan
Protect VIP
Cobertura máxima por asegurado
US$5,000,000 per policy year
Edad límite para solicitar cobertura
75
Período de espera
30 days
Cobertura fuera de Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro de Estados Unidos
Only if the optional U.S. Coverage Module is acquired
• 100% through the Protect VIP USA Network
• Outside the Protect VIP USA Network coverage will be at 60% with a maximum daily room rate of up to US$700 for a standard room and up to US$1,400 for intensive care room
• Emergency medical treatment will be covered 100% up to the policy limits
The Hospitalization Benefits Module (Base Plan) must be acquired before any other optional module can be added
• 100% through the Protect VIP USA Network
• Outside the Protect VIP USA Network coverage will be at 60% with a maximum daily room rate of up to US$700 for a standard room and up to US$1,400 for intensive care room
• Emergency medical treatment will be covered 100% up to the policy limits
The Hospitalization Benefits Module (Base Plan) must be acquired before any other optional module can be added
Beneficios hospitalarios
Habitación hospitalaria privada estándar
100% up to the coverage limit
Beneficio especial para suite
Only if the optional U.S. Coverage Module is acquired
• US$2,000 per day within the Protect VIP USA Network
• US$2,000 per day within the Protect VIP USA Network
Unidad de cuidados intensivos
100% up to the coverage limit
Acompañante adulto durante una hospitalización
Related to a hospitalization of an insured under age 18
• US$175 per night, max. of 30 nights
Related to a hospitalization of an insured 18 years and older
• 100% max. of 21 nights
• US$175 per night, max. of 30 nights
Related to a hospitalization of an insured 18 years and older
• 100% max. of 21 nights
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
N/A
Beneficios ambulatorios
Sala de emergencia
100% if admitted immediately as an inpatient
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Visitas de médicos y especialistas
Outpatient
• 100%
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
• 100%
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Visitas de médicos y especialistas en el hogar
N/A
Medicamentos prescritos
Outpatient
• US$4,000
Included in the Hospitalization Benefits Module (Base Plan)
• US$3,500 up to 6 months following a covered hospitalization or outpatient surgery
• US$4,000
Included in the Hospitalization Benefits Module (Base Plan)
• US$3,500 up to 6 months following a covered hospitalization or outpatient surgery
Terapias complementarias
N/A
Cuidados de enfermero(a) en el hogar
100% following a covered hospitalization
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Chequeo médico preventivo
N/A
Aparatos auditivos
N/A
Enfermedad de Alzheimer
N/A
Autismo
100%
Cirugía ambulatoria
100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
Terapia de reemplazo hormonal para aliviar los síntomas de la menopausia
N/A
Beneficios generales
Honorarios del cirujano y del anestesiólogo
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Servicios de estudios diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
Outpatient (if the optional Outpatient Module is acquired)
• 100% for pre-surgical testing only, pre-authorization required
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Outpatient (if the optional Outpatient Module is acquired)
• 100% for pre-surgical testing only, pre-authorization required
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Diálisis
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Cirugía profiláctica para reducir el riesgo de cáncer
N/A
Prótesis y medios correctivos implantados durante una cirugía
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Trasplante de órganos y tejidos
Per organ/tissue
• US$1,100,000 per lifetime
Included in the Hospitalization Benefits Module (Base Plan)
• US$1,100,000 per lifetime
Included in the Hospitalization Benefits Module (Base Plan)
Beneficios para el donante vivo
US$60,000 per lifetime, included in the organ transplant benefit
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Equipo médico durable
100% following a covered hospitalization
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Tratamiento de alergias
Included in the Outpatient Outpatient Module
• 100%
• 100%
Terapia física y de rehabilitación
Inpatient*
• 100% during hospitalization
Outpatient (if the optional Outpatient Module is acquired)
• 100% up of 60 visits, following a covered hospitalization
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
• 100% during hospitalization
Outpatient (if the optional Outpatient Module is acquired)
• 100% up of 60 visits, following a covered hospitalization
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Tratamientos especializados
Occupational therapist
• 100% UCR
Speech therapist
• 100% UCR
Sleep apnea and other sleep disorders
• 100% UCR
• 100% UCR
Speech therapist
• 100% UCR
Sleep apnea and other sleep disorders
• 100% UCR
Condiciones congénitas diagnosticadas antes de los 18 años
N/A
Condiciones congénitas diagnosticadas después de los 18 años
N/A
VIH-SIDA
US$50,000 if admitted immediately as an inpatient, after a 12-month waiting period
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
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
N/A
Inclusión del recién nacido
N/A
Extracción y almacenamiento de células madres
N/A
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
N/A
Atención prenatal y postnatal
N/A
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100% no deductible applies, if admitted immediately as an inpatient
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Transportación de emergencia por ambulancia aérea
100% no deductible applies
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
N/A
Repatriación de restos mortales
US$25,000
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Lesiones durante el entrenamiento o la práctica de deportes profesionales
N/A
Cobertura dental de emergencia
100% for treatment within the first 180 days of the covered accident
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
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
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Cirugía refractiva
N/A
Cuidados paliativos en casos terminales
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Cobertura provisional para accidentes mientras se procesa la solicitud
US$30,000
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
N/A
Cobertura gratuita para dependientes
N/A
Eliminación/reducción del deducible por no presentar reclamos o no haber alcanzado el deducible
Options I & II
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the yearsOptions III & IV
• Reduction of 50% for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Included in the Hospitalization Benefits Module (Base Plan)
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the yearsOptions III & IV
• Reduction of 50% for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Included in the Hospitalization Benefits Module (Base Plan)
Eliminación del deducible
N/A
Segunda opinión médica
Included
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Prótesis externas
Included in the durable medical equipment benefit of 100% after a covered hospitalization
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
N/A
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
VIP Patient Concierge Services
Asistencia de viaje
Emergency coverage when traveling abroad
• US$5,000 for emergency medical treatment abroad (with optional rider)
• US$5,000 for emergency medical treatment abroad (with optional rider)
Beneficio hospitalario en dinero en efectivo
N/A
Beneficios adicionales opcionales
Evacuación al país de elección, de residencia o domiciliar del asegurado
N/A
Evacuación que no sea de emergencia
N/A
Exoneración del período de espera para condiciones preexistentes
N/A