VUMI Access VIP Light (available only for renovations in Venezuela)
Type of plan
Access VIP Light (available only for renovations in Venezuela)
Maximum coverage per insured
US$2,000,000 per policy year
Age limit to apply
75
Waiting period
30 days
Coverage outside USA
100% without restrictions of doctors and hospitals in Latin America (except Brazil)
Coverage inside USA
N/A
Inpatient Benefits
Standard private hospital room
100% up to the coverage limit
Special benefit for suite
N/A
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$150 per night, max. of 30 nights
Related to a hospitalization of an insured 18 years and older
• 100% max. of 21 nights
• US$150 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%
Physician and specialist visits
100%
Physician and specialist home visits
100%
Prescribed medications
US$5,000
Complementary therapy
N/A
Nurse care at home
US$6,000
Preventive health checkup
N/A
Hearing aids
US$500 per lifetime
Alzheimer’s disease
100%
Autism
Included in the specialized treatments benefit up to US$1,500
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
100%
Organ and tissue transplant
Per organ/tissue
• US$300,000 per lifetime
• US$300,000 per lifetime
Benefits for live donors
US$25,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
US$6,000
Allergy treatments
100%
Physical therapy and rehabilitation
Inpatient
• 100%
Outpatient
• US$6,000
• 100%
Outpatient
• US$6,000
Specialized treatments
Autism, occupational therapist, speech therapy, sleep apnea and other sleep disorders
• US$1,500
• US$1,500
Congenital conditions diagnosed before age 18
US$125,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
N/A
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
N/A
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)
N/A
Pre-natal and post-natal care
N/A
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
US$40,000 no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
US$7,000
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
100%
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
Refractive eye surgery
N/A
Palliative care for terminal cases
100%
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
Deductible elimination/reduction for no claims made
Option I
• Elimination for 1 policy year after the end of the 3rd year without claims
• 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
Options II, III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
• Elimination for 1 policy year after the end of the 3rd year without claims
• 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
Options II, III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
Deductible elimination
Options I, II & III
• Elimination of deductible for the first medical treatment in an emergency room, hospital or emergency facility within 24 hours after a serious accident
• Elimination of deductible for the first medical treatment in an emergency room, hospital or emergency facility within 24 hours after a serious accident
Second medical opinion
Included
Prosthetic limbs
Included in the durable medical equipment benefit up to US$6,000
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
N/A
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