VUMI Absolute VIP
Type of plan
Absolute VIP
Cobertura máxima por asegurado
Unlimited
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
100%
Beneficio especial para suite
US$3,000 per day within the USA Special Network
Unidad de cuidados intensivos
100%
Acompañante adulto durante una hospitalización
Related to a hospitalization of an insured under age 18
• 100%
Related to a hospitalization of an insured 18 years and older
• 100% max. of 21 nights
• 100%
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%
Visitas de médicos y especialistas
100%
Visitas de médicos y especialistas en el hogar
100%
Medicamentos prescritos
100%
Terapias complementarias
Chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture
• US$6,000 all therapies combined
• US$6,000 all therapies combined
Cuidados de enfermero(a) en el hogar
100%
Chequeo médico preventivo
No deductible applies and without waiting period
Options I, II, III, IV, V & VI
• US$300 per visit, up to 6 visits from 0 to 12 months old
• US$500 from 12 months and older, including up to US$75 for preventive dental checkup in options I, II & III
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures, human papilloma virus (HPV) test and/or vaccinations
Options I, II, III & IV
• Colon cancer screening, US$1,200 from 45 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Options I, II, III, IV, V & VI
• US$300 per visit, up to 6 visits from 0 to 12 months old
• US$500 from 12 months and older, including up to US$75 for preventive dental checkup in options I, II & III
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures, human papilloma virus (HPV) test and/or vaccinations
Options I, II, III & IV
• Colon cancer screening, US$1,200 from 45 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
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 insureds not born under a covered maternity who develop the condition while they are insured
• US$10,000 for insureds 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 12-month 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%
Tratamientos especializados
Occupational therapist, speech therapist, sleep apnea and other sleep disorders
• US$5,000 for outpatient and inpatient treatments
• US$5,000 for outpatient and inpatient treatments
Condiciones congénitas diagnosticadas antes de los 18 años
US$2,000,000 per lifetime, including US$40,000 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$1,000,000 per lifetime, after a 24-month waiting period
Tratamiento quirúrgico de trastornos sintomáticos de los pies
100% after a 24-month waiting period
Psicología
Included in the complementary therapy benefit of US$6,000, outpatient only
Medicamentos prescritos para la salud mental
N/A
Beneficios de maternidad
Maternidad
No deductible applies, after a 10-month waiting period
Options I, II & III
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
Includes deliveries of pregnancies resulting from any type of fertility treatment
Options I, II & III
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
Includes deliveries of pregnancies resulting from any type of fertility treatment
Complicaciones de la maternidad y del recién nacido
No deductible applies, after a 10-month waiting period
Options I, II & III
• US$1,000,000 per covered pregnancy, per lifetime
Options I, II & III
• US$1,000,000 per covered pregnancy, per lifetime
Inclusión del recién nacido
Options I, II & III
• Without underwriting, if born from a covered maternity and the newborn is not the result of a fertility treatment, as long as the newborn is added to the policy within 90 days of birth
• Without underwriting, if born from a covered maternity and the newborn is not the result of a fertility treatment, as long as the newborn is added to the policy within 90 days of birth
Extracción y almacenamiento de células madres
Options I, II & III
• US$2,000 per covered pregnancy for extraction and storage for 1 year
• US$2,000 per covered pregnancy for extraction and storage for 1 year
Tratamiento de fertilidad
After a 24-month waiting period
Options I & II
• US$5,000 per lifetime
Options I & II
• US$5,000 per lifetime
Unidad de Cuidados Intensivos Neonatales (UCIN)
Options I, II & III
• 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
Options I, II & III
• Included in the maternity benefit, up to US$8,000 combined
• Included in the maternity benefit, up to US$8,000 combined
Beneficios de evacuación médica
Transportación de emergencia por ambulancia terrestre
100% no deductible applies
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
US$2,000 per ticket
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
US$800 per eye, per lifetime, after a 24-month waiting period
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
2 years if occurs from a covered event
Cobertura gratuita para dependientes
Options I & II, up to 10 years old for children born from a covered maternity
• 2 children if both parents are covered
• 1 child if only the mother is covered
• 2 children if both parents are covered
• 1 child if only the mother is covered
Eliminación/reducción del deducible por no presentar reclamos o no haber alcanzado el deducible
Options I, II, III & IV
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Options V & VI
• 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
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Options V & VI
• 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
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 of 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
Term Life VIP optional plan
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)
Free benefit only for Argentina, Chile, Colombia, Paraguay, Peru and Uruguay
• US$5,000 for emergency medical treatment abroad (with optional rider)
Free benefit only for Argentina, Chile, Colombia, Paraguay, Peru and Uruguay
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