VUMI Direct VIP Choice
Type of plan
Direct VIP Choice
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
100% without restrictions of doctors and hospitals
Beneficios hospitalarios
Habitación hospitalaria privada estándar
Within the USA Special Network
• 100%
Outside the USA Special Network
• US$2,000 per day
• 100%
Outside the USA Special Network
• US$2,000 per day
Beneficio especial para suite
US$2,000 per day within the USA Special Network
Unidad de cuidados intensivos
Within the USA Special Network
• 100%
Outside the USA Special Network
• US$4,000 per day
• 100%
Outside the USA Special Network
• US$4,000 per day
Acompañante adulto durante una hospitalización
100% max. of 21 nights
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
US$5,000 including medications
Beneficios ambulatorios
Sala de emergencia
Inpatient
• 100% if admitted immediately as an inpatient
Outpatient
• 100% for an emergency physical trauma or serious accident only in Latin America
• 100% if admitted immediately as an inpatient
Outpatient
• 100% for an emergency physical trauma or serious accident only in Latin America
Visitas de médicos y especialistas
Outpatient
• US$6,000 for pre-hospitalization consults, up to 10 months following a covered hospitalization
Inpatient
• 100% if admitted immediately as an inpatient
• US$6,000 for pre-hospitalization consults, up to 10 months following a covered hospitalization
Inpatient
• 100% if admitted immediately as an inpatient
Visitas de médicos y especialistas en el hogar
N/A
Medicamentos prescritos
US$7,000
Terapias complementarias
N/A
Cuidados de enfermero(a) en el hogar
100% following a covered hospitalization
Chequeo médico preventivo
No deductible applies
Options I & II
• 100% per visit, up to 5 visits from 0 to 6 months old
• US$600 from 6 months to 17 years old
• US$600 from 18 years and older
Options III & IV
• US$600 all ages
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures, human papilloma virus (HPV) test and/or vaccinations
Options I & II
• 100% per visit, up to 5 visits from 0 to 6 months old
• US$600 from 6 months to 17 years old
• US$600 from 18 years and older
Options III & IV
• US$600 all ages
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures, human papilloma virus (HPV) test and/or vaccinations
Aparatos auditivos
N/A
Enfermedad de Alzheimer
100%
Autismo
Included in the specialized treatments benefit up to US$2,500
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% if admitted immediately as an inpatient
Servicios de estudios diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
Outpatient
• US$15,000 for pre-surgical testing only, pre-authorization required
• US$10,000 following a covered hospitalization
Inpatient
• 100%
Outpatient
• US$15,000 for pre-surgical testing only, pre-authorization required
• US$10,000 following a covered hospitalization
Inpatient
• 100%
Oncología: exámenes de cáncer, tratamiento (quimioterapia y/o radioterapia) y medicamentos
100%
Diálisis
100%
Cirugía profiláctica para reducir el riesgo de cáncer
US$20,000 if admitted immediately as an inpatient, after a 12-month waiting period
Prótesis y medios correctivos implantados durante una cirugía
100%
Trasplante de órganos y tejidos
Per organ/tissue
• US$1,100,000 per lifetime
• US$1,100,000 per lifetime
Beneficios para el donante vivo
US$60,000 per lifetime, included in the organ transplant benefit
Equipo médico durable
100% following a covered hospitalization
Tratamiento de alergias
N/A
Terapia física y de rehabilitación
Inpatient
• 100% during hospitalization
Outpatient
• 100% up of 60 visits, following a covered hospitalization
• 100% during hospitalization
Outpatient
• 100% up of 60 visits, following a covered hospitalization
Tratamientos especializados
Autism, psychiatrist and occupational therapist
• US$2,500
• US$2,500
Condiciones congénitas diagnosticadas antes de los 18 años
US$2,000,000 per lifetime, including US$20,000 for cochlear implants (for congenital conditions diagnosed before or after 18 years of age)
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
US$50,000 if admitted immediately as an inpatient, after a 12-month waiting period
Tratamiento quirúrgico de trastornos sintomáticos de los pies
100% after a after a 24-month waiting period
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
Transportación de emergencia por ambulancia aérea
100% no deductible applies
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
Otros beneficios
Lesiones durante el entrenamiento o la práctica de actividades de alto riesgo y deportes (no profesionales)
100%
Lesiones durante el entrenamiento o la práctica de deportes profesionales
100% for injuries during the training or practice of non-hazardous professional sports
Cobertura dental de emergencia
100% for treatment within the first 180 days of the covered 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
100%
Cobertura provisional para accidentes mientras se procesa la solicitud
US$30,000
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 years
Options III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Options III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Eliminación del deducible
Options I & II
• Elimination of deductible for the first medical treatment in an emergency room, hospital or emergency facility within 24 hours after a serious accident
• Elimination of deductible for the first medical treatment in an emergency room, hospital or emergency facility within 24 hours after a serious accident
Segunda opinión médica
Included
Prótesis externas
Included in the durable medical equipment benefit
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