La Regional | VUMI Senior VIP

Type of plan
Senior VIP
Maximum coverage per insured
• US$3,000,000 per lifetime
• US$500,000 per policy year
Age limit to apply
60 - 90
Waiting period
30 days
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
Includes hospitalization services, medication, laboratory exams, imaging studies, diagnostic procedures, specialized nurses and medical/surgical material, among others
• US$2,500 per day for the first 120 days
• US$750 per day for additional days
Special benefit for suite
N/A
Intensive care unit
Includes hospitalization services, medication, laboratory exams, imaging studies, diagnostic procedures, specialized nurses and medical/surgical material, among others
• US$3,250 per day for the first 30 days
• US$1,000 per day for additional days
Adult companion accommodation during a hospitalization
US$100 per night, max. of 20 nights
Prescribed medications while hospitalized
Included in the standard private hospital room benefit
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
US$10,000 per visit, up to 2 visits
Physician and specialist visits
US$100 per consultation, up to 12 consultations
Physician and specialist home visits
Included in the physician and specialist visits benefit of US$100 per consultation, up to 12 consultations
Prescribed medications
US$1,000
Complementary therapy
N/A
Nurse care at home
US$100 per day, up to 30 days
Preventive health checkup
No deductible applies, after a 10-month waiting period
All options
• US$150
Hearing aids
US$1,000 per lifetime
Alzheimer’s disease
N/A
Autism
N/A
Outpatient surgery
US$25,000 per surgery, up to 2 surgeries, everything included
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
US$25,000 per surgery, up to 2 surgeries
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans, echocardiogram, stress tests, etc.
• US$500 per exam, outpatient only

Endoscopic procedures
• US$750 per exam, outpatient only
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
US$150,000
Dialysis
N/A
Prophylactic surgery to reduce the risk of cancer
N/A
Prostheses and medical appliances implanted during surgery
Additional inpatient benefits (operating room and surgical implants)
• US$30,000 per surgery, max. 2 surgeries per policy year
Organ and tissue transplant
Per organ/tissue
• US$500,000 per diagnostic, per lifetime
Benefits for live donors
US$15,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
US$2,000
Allergy treatments
100%
Physical therapy and rehabilitation
US$100 per visit, up to 30 visits
Specialized treatments
N/A
Congenital conditions diagnosed before age 18
N/A
Congenital conditions diagnosed after age 18
N/A
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
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
Emergency transportation by air ambulance
US$30,000 no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
US$7,500
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
US$25,000 per lifetime, for treatment within the first 90 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
US$750 per day, up to 120 days
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$2,000
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