VUMI Canada Prestige VIP Individual Plan
Type of plan
Prestige VIP Individual Plan
Maximum coverage per insured
• CA$5,000,000 up to 75 years old
• CA$1,000,000 from 75 years and older
• CA$1,000,000 from 75 years and older
Age limit to apply
75
Waiting period
N/A
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
100% without restrictions of doctors and hospitals
Inpatient Benefits
Standard private hospital room
100%
Special benefit for suite
N/A
Intensive care unit
100%
Adult companion accommodation during a hospitalization
N/A
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
N/A
Prescribed medications
• CA$5,000 up to 60 days
Following a covered hospitalization
• CA$25,000
Following a covered hospitalization
• CA$25,000
Complementary therapy
N/A
Nurse care at home
Included in the physical therapy and rehabilitation benefit
Preventive health checkup
N/A
Hearing aids
N/A
Alzheimer’s disease
N/A
Autism
N/A
Outpatient surgery
100%
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
Surgeon
• 100%
Anesthesiologist
• 30%
• 100%
Anesthesiologist
• 30%
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
CA$25,000
Prostheses and medical appliances implanted during surgery
N/A
Organ and tissue transplant
CA$1,000,000 per lifetime
Benefits for live donors
CA$30,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
CA$5,000
Allergy treatments
N/A
Physical therapy and rehabilitation
CA$10,000, up to CA$150 per visit
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
CA$150,000 per lifetime
Congenital conditions diagnosed after age 18
CA$1,000,000 per lifetime
HIV-AIDS
N/A
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
• 50% of the first CA$100,000 of eligible expenses
• CA$250,000 after the first CA$100,000
• CA$250,000 after the first CA$100,000
Maternity and birth complications
Included in the maternity benefit
Inclusion of the newborn
Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Included in the maternity benefit
Pre-natal and post-natal care
• Included in the maternity benefit
Newborn coverage
• Included in the maternity benefit, medical expenses for injury or illness of the newborn, such as respiratory distress, prematurity, hypoglycemia, low birth weight and birth trauma, which were diagnosed within the first 30 days of life, the newborn must have been born from a covered maternity and must be added to the policy within the first 90 days of life
Newborn coverage
• Included in the maternity benefit, medical expenses for injury or illness of the newborn, such as respiratory distress, prematurity, hypoglycemia, low birth weight and birth trauma, which were diagnosed within the first 30 days of life, the newborn must have been born from a covered maternity and must be added to the policy within the first 90 days of life
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100%
Emergency transportation by air ambulance
CA$50,000 per lifetime, no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
CA$25,000
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
N/A
Injuries during the training or practice of professional sports
N/A
Emergency dental coverage
100% for treatment within the first 180 days of the covered accident
Reconstructive surgery after an accident or illness
100% if medically necessary and as a result of a medical condition covered by the policy within the first 180 days
Refractive eye surgery
N/A
Palliative care for terminal cases
N/A
Temporary coverage for accidents while application is being underwritten
N/A
Free extended coverage for eligible dependents after policyholder’s death
N/A
Free coverage for dependents
N/A
Elimination/reduction of deductible for no claims made or not having met the deductible
N/A
Deductible elimination
N/A
Second medical opinion
Included
Prosthetic limbs
Included in the durable medical equipment benefit
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
N/A
Declared pre-existing conditions
Covered when disclosed in the application after a 24-month waiting period, benefit will be previously evaluated
Catastrophic and chronic illnesses that survive the contracting of the service
N/A
Catastrophic and unusual conditions
N/A
Medical emergency
100%
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
VIP Patient Concierge Services
Travel assistance
N/A
Hospital cash benefit
N/A
Optional additional benefits
Evacuation to country of choice, country of residence or home country
Reintroduction into Canada
• Coordination with Canadian health care providers for the ongoing treatment and management of the Insured’s condition after receiving care abroad
• Coordination with Canadian health care providers for the ongoing treatment and management of the Insured’s condition after receiving care abroad
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A