VUMI Global Flex VIP Basic
Type of plan
Global Flex VIP Basic
Maximum coverage per insured
US$3,000,000 per policy year
Age limit to apply
74
Waiting period
N/A
Coverage outside USA
100% without restrictions of doctors and hospitals subject to one the following geographical areas of coverage chosen at the time of the
application:
• Worldwide excluding USA
• Africa area of cover restriction
For insureds residing in Africa, the area of cover will be restricted to: Africa, India, Pakistan, Sri Lanka, Bangladesh, Jordan, Lebanon, Mainland China, and the Philippines.
• S.E. Asia area of cover restriction
For insureds residing in Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Thailand,Timor-Leste (East Timor) and Vietnam, the S.E. area of cover restriction will include Singapore but exclude Mainland China, Hong Kong, Japan and South Korea
Any treatment received outside the geographic area of coverage is limited to the emergency non-elective treatment benefit
application:
• Worldwide excluding USA
• Africa area of cover restriction
For insureds residing in Africa, the area of cover will be restricted to: Africa, India, Pakistan, Sri Lanka, Bangladesh, Jordan, Lebanon, Mainland China, and the Philippines.
• S.E. Asia area of cover restriction
For insureds residing in Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Thailand,Timor-Leste (East Timor) and Vietnam, the S.E. area of cover restriction will include Singapore but exclude Mainland China, Hong Kong, Japan and South Korea
Any treatment received outside the geographic area of coverage is limited to the emergency non-elective treatment benefit
Coverage inside USA
100% without restrictions of doctors and hospitals subject to the following geographical area of coverage chosen at the time of the
application:
• Worldwide including USA elective treatment, US$3,000,000 within USA, optional additional coverage
application:
• Worldwide including USA elective treatment, US$3,000,000 within USA, optional additional coverage
Inpatient Benefits
Standard private hospital room
100%
Special benefit for suite
N/A
Intensive care unit
100%
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• 100%
• 100%
Prescribed medications while hospitalized
100%
Psychiatric treatments
100% up to 30 days
Outpatient Benefits
Emergency room
Within the geographical area of coverage
• 100%
Emergency non-elective treatment outside the geographical area of coverage
• 100% for injuries resulting from accidents, which require hospitalization
• US$50,000 for emergencies due to sudden illnesses, which require hospitalization, manifested during planned trips up to thirty 30 days of duration
• US$500 for outpatient emergency room hospital visits as a result
of an accident
• 100%
Emergency non-elective treatment outside the geographical area of coverage
• 100% for injuries resulting from accidents, which require hospitalization
• US$50,000 for emergencies due to sudden illnesses, which require hospitalization, manifested during planned trips up to thirty 30 days of duration
• US$500 for outpatient emergency room hospital visits as a result
of an accident
Physician and specialist visits
Pre and post-operative only, up to 15 days before
or after in-patient treatment
• 100%
or after in-patient treatment
• 100%
Physician and specialist home visits
N/A
Prescribed medications
Pre and post-operative only, up to 15 days before
or after in-patient treatment
• 100%
or after in-patient treatment
• 100%
Complementary therapy
N/A
Nurse care at home
100% up to 30 days
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
100%
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%
Surgery to reduce the risk of cancer or prophylactic surgery
N/A
Prostheses and medical appliances implanted during surgery
N/A
Organ and tissue transplant
Per organ/tissue
• 100%
• 100%
Benefits for live donors
US$50,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
100%
Allergy treatments
N/A
Physical therapy and rehabilitation
100% up to 30 days, per medical condition
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
Congenital Conditions after 30 days from birth
• US$50,000
Congenital Conditions from birth up to 30 days
• Covered under the newborn coverage benefit
• US$50,000
Congenital Conditions from birth up to 30 days
• Covered under the newborn coverage benefit
Congenital conditions diagnosed after age 18
Included in the congenital conditions diagnosed before age 18 benefit
HIV-AIDS
US$50,000 after a 36-month waiting period
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
N/A
Maternity and newborn complications
After a 12-month waiting period
• 100%
• 100%
Inclusion of the newborn
Subject to underwriting
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Included in the maternity and newborn coverage benefit
Pre-natal and post-natal care
• Included in the maternity benefit
Newborn coverage benefit
• US$50,000 for medical expenses for injury or illness of the newborn, such as respiratory distress, prematurity, hypoglycaemia, congenital and hereditary disorders, low birth weight and birth trauma, which were diagnosed within the first 30 days of life, the newborn must be added to the policy within the first 90 days of life
Newborn coverage benefit
• US$50,000 for medical expenses for injury or illness of the newborn, such as respiratory distress, prematurity, hypoglycaemia, congenital and hereditary disorders, low birth weight and birth trauma, which were diagnosed within the first 30 days of life, the newborn 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
• 100%
• US$300 per day for reasonable travel costs to and from the hospital for the insured and companion, and non-hospital accommodation, only for immediate pre and post-hospital admission periods provided that the Insured is under the care of a specialist
• US$300 per day for reasonable travel costs to and from the hospital for the insured and companion, and non-hospital accommodation, only for immediate pre and post-hospital admission periods provided that the Insured is under the care of a specialist
Insured’s and companion’s return ticket after an evacuation by air ambulance
Included in the emergency transportation by air ambulance benefit
• 100% for economy class tickets, provided that it is performed within the thirty (30) days of discharge and it is coordinated by the Company
• 100% for economy class tickets, provided that it is performed within the thirty (30) days of discharge and it is coordinated by the Company
Repatriation of mortal remains
US$5,000 for burial or cremation costs
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% within 30 days of accident
Reconstructive surgery after an accident or illness
100% if medically necessary and as a result of a medical condition covered by the policy
Refractive eye surgery
N/A
Palliative care for terminal cases
US$50,000 per lifetime
Temporary coverage for accidents while application is being underwritten
N/A
Free extended coverage for eligible dependents after policyholder’s death
2 years if occurs from a covered event and after the last payment period of the policy
Free coverage for dependents
N/A
Deductible elimination/reduction for no claims made
N/A
Deductible elimination
N/A
Second medical opinion
Included
Prosthetic limbs
US$1,000
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
100% for passive war and terrorism
Term life insurance
N/A
Declared pre-existing conditions
Covered when disclosed in the application, 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
N/A
Travel assistance
N/A
Hospital cash benefit
No deductible applies
• US$250 per night, max. of 30 nights when an Insured person is admitted for inpatient treatment and is receiving free-of-charge treatment that would have otherwise been eligible for coverage under this policy
• US$250 per night, max. of 30 nights when an Insured person is admitted for inpatient treatment and is receiving free-of-charge treatment that would have otherwise been eligible for coverage under this policy
Optional additional benefits
Evacuation to country of choice, country of residence or home country
100%
Non-emergency evacuation
US$2,000
Pre-existing conditions waiting period waiver
N/A