VUMILATINA Absolute VIP
Type of plan
Absolute VIP
Cobertura máxima por asegurado
Unlimited
Edad límite para solicitar cobertura
Unlimited
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
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 16 or older than 75
• US$500 per night, max. of 25 nights
• In Ecuador coverage from the 26th night will be US$50 per night
• US$500 per night, max. of 25 nights
• In Ecuador coverage from the 26th night will be US$50 per night
Medicamentos prescritos durante una hospitalización
100%
Tratamientos psiquiátricos
N/A
Beneficios ambulatorios
Sala de emergencia
100%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
N/A
Medicamentos prescritos
100%
Terapias complementarias
Ancestral and alternative medicine
• US$6,000
• US$6,000
Cuidados de enfermero(a) en el hogar
100%
Chequeo médico preventivo
Zero rate coverage
• US$300
• US$300
Aparatos auditivos
US$3,000 per lifetime
Enfermedad de Alzheimer
100%
Autismo
• 100% if the insured was born under a covered maternity
• US$10,000 for insured not born under a covered maternity who develop the condition while they are insured
• US$10,000 for insured not born under a covered maternity who develop the condition while they are insured
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 profiláctica para reducir el riesgo de cáncer
US$30,000 per lifetime, after a 90-day waiting period
Prótesis y medios correctivos implantados durante una cirugía
100%
Trasplante de órganos y tejidos
Per organ/tissue
• US$3,000,000 per lifetime
• US$3,000,000 per lifetime
Beneficios para el donante vivo
US$80,000 per lifetime, included in the organ transplant benefit
Equipo médico durable
100%
Tratamiento de alergias
100%
Terapia física y de rehabilitación
100% including cardiac rehabilitation therapy, respiratory therapy, and speech therapy
Tratamientos especializados
Psychiatrist and occupational therapy
• US$4,000
Sleep apnea and other sleep disorders
• US$4,000
• US$4,000
Sleep apnea and other sleep disorders
• US$4,000
Condiciones congénitas diagnosticadas antes de los 18 años
US$2,000,000 per lifetime
Condiciones congénitas diagnosticadas después de los 18 años
100%
VIH-SIDA
US$1,000,000 per lifetime, only in case of pre-existence a 24-month waiting period will apply
Tratamiento quirúrgico de trastornos sintomáticos de los pies
100%
Psicología
US$6,000
Medicamentos prescritos para la salud mental
US$200 for health conditions resulting from actions and/or illnesses due to drug use, narcotics, drunkenness, alcoholism and injuries due to mental health disorders, states of dementia including those resulting from suicide attempt
Beneficios de maternidad
Maternidad
No deductible applies, after a 60-day waiting period
Option I
Inside the Special Maternity Network
• 100% per pregnancy for normal delivery
• US$10,000 per pregnancy for cesarean delivery
Outside the Special Maternity Network
• US$8,000 per pregnancy for normal delivery
• US$10,000 per pregnancy for cesarean delivery
Option I
Inside the Special Maternity Network
• 100% per pregnancy for normal delivery
• US$10,000 per pregnancy for cesarean delivery
Outside the Special Maternity Network
• US$8,000 per pregnancy for normal delivery
• US$10,000 per pregnancy for cesarean delivery
Complicaciones de la maternidad y del recién nacido
No deductible applies, after a 60-day waiting period
Option I
• US$1,000,000 per covered pregnancy, up to 6 months after birth, per lifetime
Option I
• US$1,000,000 per covered pregnancy, up to 6 months after birth, per lifetime
Inclusión del recién nacido
Option I
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Intra-uterine Inclusion, within the Ecuadorian territory
After a 60-day waiting period
• US$8,000 no deductible, closed network
• 100% open network
Notification period from 20 to 32 weeks of gestation
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Intra-uterine Inclusion, within the Ecuadorian territory
After a 60-day waiting period
• US$8,000 no deductible, closed network
• 100% open network
Notification period from 20 to 32 weeks of gestation
Extracción y almacenamiento de células madres
No deductible applies, after a 60-day waiting period
Option I
• US$2,000 per covered pregnancy for extraction and storage for 1 year
Option I
• US$2,000 per covered pregnancy for extraction and storage for 1 year
Tratamiento de fertilidad
N/A
Unidad de Cuidados Intensivos Neonatales (UCIN)
Option I
• Included in the maternity and newborn complications benefit up to US$1,000,000
• Included in the maternity and newborn complications benefit up to US$1,000,000
Atención prenatal y postnatal
Does not apply to dependent daughters
Pre-natal care
• US$40 per visit, only applies for non-covered maternities
Post-natal care
• US$50
Pre-natal care
• US$40 per visit, only applies for non-covered maternities
Post-natal care
• US$50
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100% no deductible applies
Transportación de emergencia por ambulancia aérea
100% no deductible applies
Transportación de emergencia por ambulancia fluvial
100% no deductible applies
Pasaje aéreo de regreso del asegurado y del acompañante después de una evacuación por ambulancia aérea
US$2,000 per person
Repatriación de restos mortales
100%
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%
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
Option I
• US$500 per eye, per lifetime, after a 60-day waiting period
• US$500 per eye, per lifetime, after a 60-day waiting period
Cuidados paliativos en casos terminales
US$50,000 per lifetime
Cobertura provisional para accidentes mientras se procesa la solicitud
US$30,000
Cobertura gratuita extendida a dependientes elegibles después de la muerte del contratante
• 2 years if occurs from a covered event
• 1 year if occurs from a non-covered event
• 1 year if occurs from a non-covered event
Cobertura gratuita para dependientes
N/A
Eliminación/reducción del deducible por no presentar reclamos o no haber alcanzado el deducible
Options I & IV
• Elimination for 1 policy year after the end of the 3rd year without claims
Options V & VI
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
• Elimination for 1 policy year after the end of the 3rd year without claims
Options V & VI
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
Eliminación del deducible
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 at 100%
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
Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 24-month waiting period
Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Disability
• Up to 20 Ecuadorian base salaries for all pre-existing conditions in a policy year, after a 3-month waiting period
Enfermedades catastróficas y crónicas sobrevinientes a la contratación
All conditions not related to the use of psychotropic substances, undeclared pre-existing conditions and exclusions of this plan are covered
Condiciones catastróficas y raras
• US$200
• US$200 additional medications prescribed during treatment with growth stimulants
• US$200 additional medications prescribed during treatment with growth stimulants
Emergencia médica
100% after a 24-hour waiting period
Enfermedad o lesión en aeronave privada
N/A
Tratamientos anticonceptivos
N/A
Servicios de consultoría para pacientes
VIP Patient Concierge Services
Asistencia de viaje
N/A
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