VUMI Prime VIP

Type of plan
Prime VIP
Maximum coverage per insured
• US$1,500,000 per policy year
• US$5,000,000 per lifetime
• US$500,000 per policy year after 70 years old
Age limit to apply
75
Waiting period
60 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
• 100% within the Prime Network®
• Outside the Prime Network® the coverage will be at 60% with a maximum daily room rate of up to US$500 for a standard room and up to US$1400 for intensive care unit
• Emergencies will be covered at 100% UCR, up to the policy limits
Inpatient Benefits
Standard private hospital room
• 100% within the Prime Network®
• Up to US$500 daily, max. of 180 days outside the Prime Network®
Special benefit for suite
N/A
Intensive care unit
• 100% within the Prime Network®
• Up to US$1,400 daily, max. of 60 days outside the Prime Network®
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• US$150 per night, max. of 100 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
US$80 per visit, up to 30 visits
Physician and specialist home visits
Included in the physician and specialist visits benefit up to US$80 per visit, up to 30 visits
Prescribed medications
Following a hospitalization
• 100% up to 6 months
Outpatient or non-hospitalization prescription medication
• US$3,000
Complementary therapy
N/A
Nurse care at home
US$5,000
Preventive health checkup
No deductible applies, after a 12-month waiting period
Options I & II
• US$100
Hearing aids
N/A
Alzheimer’s disease
N/A
Autism
N/A
Outpatient surgery
US$12,000
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100%
Diagnostic study services
Inpatient
• 100%
Outpatient
• US$600 per exam, per insured; max. of US$1,800
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%, max. of US$125,000 including gene therapy
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
N/A
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$500,000 per lifetime (with optional rider)
Benefits for live donors
US$30,000 included in the organ transplant benefit (with optional rider)
Durable medical equipment
US$1,000
Allergy treatments
N/A
Physical therapy and rehabilitation
US$5,000
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
US$125,000 per lifetime
Congenital conditions diagnosed after age 18
US$500,000 per lifetime
HIV-AIDS
N/A
Surgical treatment of symptomatic foot disorders
N/A
Bariatric surgery
N/A
Psychology
N/A
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options I & II
• US$3,000 per pregnancy

Includes deliveries of pregnancies resulting from any type of fertility treatment
Maternity and birth complications
No deductible applies, after a 10-month waiting period
Options I & II
• US$25,000
• Additional US$25,000 (with optional rider)
Inclusion of the newborn
Options I & II
• 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
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Options I & II
• Included in the maternity and newborn complications benefit up to US$25,000
Pre-natal and post-natal care
Options I & II
• Included in the maternity benefit up to US$3.000
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
US$35,000 no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
100%
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% UCR for treatment within the first 30 days of the covered
accident, max. of US$6,000 per policy year
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$7,500
Temporary coverage for accidents while application is being underwritten
US$30,000
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 up to 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
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)
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