VUMI Europe Protect VIP
Type of plan
Protect VIP
Maximum coverage per insured
US$5,000,000 per policy year
Age limit to apply
75
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
Only if the optional U.S. Coverage Module is acquired
• 100% through the Protect VIP USA Network
• Outside the Protect VIP USA Network coverage will be at 60% with a maximum daily room rate of up to US$700 for a standard room and up to US$1,400 for intensive care room
• Emergency medical treatment will be covered 100% up to the policy limits
The Hospitalization Benefits Module (Base Plan) must be acquired before any other optional module can be added
• 100% through the Protect VIP USA Network
• Outside the Protect VIP USA Network coverage will be at 60% with a maximum daily room rate of up to US$700 for a standard room and up to US$1,400 for intensive care room
• Emergency medical treatment will be covered 100% up to the policy limits
The Hospitalization Benefits Module (Base Plan) must be acquired before any other optional module can be added
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit
Special benefit for suite
Only if the optional U.S. Coverage Module is acquired
• US$2,000 per day within the Protect VIP USA Network
• US$2,000 per day within the Protect VIP USA Network
Intensive care unit
100% up to the coverage limit
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• US$175 per night, max. of 30 nights
Related to a hospitalization of an insured 18 years and older
• 100% max. of 21 nights
• US$175 per night, max. of 30 nights
Related to a hospitalization of an insured 18 years and older
• 100% max. of 21 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100% if admitted immediately as an inpatient
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Physician and specialist visits
Outpatient
• 100%
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
• 100%
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Physician and specialist home visits
N/A
Prescribed medications
Outpatient
• US$4,000
Included in the Hospitalization Benefits Module (Base Plan)
• US$3,500 up to 6 months following a covered hospitalization or outpatient surgery
• US$4,000
Included in the Hospitalization Benefits Module (Base Plan)
• US$3,500 up to 6 months following a covered hospitalization or outpatient surgery
Complementary therapy
N/A
Nurse care at home
100% following a covered hospitalization
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Preventive health checkup
N/A
Hearing aids
N/A
Alzheimer’s disease
N/A
Autism
100%
Outpatient surgery
100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
Outpatient (if the optional Outpatient Module is acquired)
• 100% for pre-surgical testing only, pre-authorization required
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Outpatient (if the optional Outpatient Module is acquired)
• 100% for pre-surgical testing only, pre-authorization required
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Dialysis
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Prophylactic surgery to reduce the risk of cancer
N/A
Prostheses and medical appliances implanted during surgery
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Organ and tissue transplant
Per organ/tissue
• US$1,100,000 per lifetime
Included in the Hospitalization Benefits Module (Base Plan)
• US$1,100,000 per lifetime
Included in the Hospitalization Benefits Module (Base Plan)
Benefits for live donors
US$60,000 per lifetime, included in the organ transplant benefit
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Durable medical equipment
100% following a covered hospitalization
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Allergy treatments
Included in the Outpatient Outpatient Module
• 100%
• 100%
Physical therapy and rehabilitation
Inpatient*
• 100% during hospitalization
Outpatient (if the optional Outpatient Module is acquired)
• 100% up of 60 visits, following a covered hospitalization
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
• 100% during hospitalization
Outpatient (if the optional Outpatient Module is acquired)
• 100% up of 60 visits, following a covered hospitalization
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Specialized treatments
Occupational therapist
• 100% UCR
Speech therapist
• 100% UCR
Sleep apnea and other sleep disorders
• 100% UCR
• 100% UCR
Speech therapist
• 100% UCR
Sleep apnea and other sleep disorders
• 100% UCR
Congenital conditions diagnosed before age 18
N/A
Congenital conditions diagnosed after age 18
N/A
HIV-AIDS
US$50,000 if admitted immediately as an inpatient, after a 12-month waiting period
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Surgical treatment of symptomatic foot disorders
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
N/A
Maternity and birth complications
N/A
Inclusion of the newborn
N/A
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
N/A
Pre-natal and post-natal care
N/A
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies, if admitted immediately as an inpatient
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Emergency transportation by air ambulance
100% no deductible applies
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
US$25,000
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
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
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Reconstructive surgery after an accident or illness
100% if medically necessary and as a result of a medical condition covered by the policy
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Refractive eye surgery
N/A
Palliative care for terminal cases
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Temporary coverage for accidents while application is being underwritten
US$30,000
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
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
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 yearsOptions III & IV
• 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
Included in the Hospitalization Benefits Module (Base Plan)
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the yearsOptions III & IV
• 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
Included in the Hospitalization Benefits Module (Base Plan)
Deductible elimination
N/A
Second medical opinion
Included
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Prosthetic limbs
Included in the durable medical equipment benefit of 100% after a covered hospitalization
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, 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
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)
Hospital cash benefit
N/A
Optional additional benefits
Evacuation to country of choice, country of residence or home country
N/A
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A