VUMI Direct VIP Choice
Type of plan
Direct VIP Choice
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
100% without restrictions of doctors and hospitals
Inpatient Benefits
Standard private hospital room
Within the USA Special Network
• 100%
Outside the USA Special Network
• US$2,000 per day
• 100%
Outside the USA Special Network
• US$2,000 per day
Special benefit for suite
US$2,000 per day within the USA Special Network
Intensive care unit
Within the USA Special Network
• 100%
Outside the USA Special Network
• US$4,000 per day
• 100%
Outside the USA Special Network
• US$4,000 per day
Adult companion accommodation during a hospitalization
100% max. of 21 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
US$5,000 including medications
Outpatient Benefits
Emergency room
Inpatient
• 100% if admitted immediately as an inpatient
Outpatient
• 100% for an emergency physical trauma or serious accident only in Latin America
• 100% if admitted immediately as an inpatient
Outpatient
• 100% for an emergency physical trauma or serious accident only in Latin America
Physician and specialist visits
Outpatient
• US$6,000 for pre-hospitalization consults, up to 10 months following a covered hospitalization
Inpatient
• 100% if admitted immediately as an inpatient
• US$6,000 for pre-hospitalization consults, up to 10 months following a covered hospitalization
Inpatient
• 100% if admitted immediately as an inpatient
Physician and specialist home visits
N/A
Prescribed medications
US$7,000
Complementary therapy
N/A
Nurse care at home
100% following a covered hospitalization
Preventive health checkup
No deductible applies
Options I & II
• 100% per visit, up to 5 visits from 0 to 6 months old
• US$600 from 6 months to 17 years old
• US$600 from 18 years and older
Options III & IV
• US$600 all ages
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures, human papilloma virus (HPV) test and/or vaccinations
Options I & II
• 100% per visit, up to 5 visits from 0 to 6 months old
• US$600 from 6 months to 17 years old
• US$600 from 18 years and older
Options III & IV
• US$600 all ages
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures, human papilloma virus (HPV) test and/or vaccinations
Hearing aids
N/A
Alzheimer’s disease
100%
Autism
Included in the specialized treatments benefit up to US$2,500
Outpatient surgery
100%
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100% if admitted immediately as an inpatient
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
Outpatient
• US$15,000 for pre-surgical testing only, pre-authorization required
• US$10,000 following a covered hospitalization
Inpatient
• 100%
Outpatient
• US$15,000 for pre-surgical testing only, pre-authorization required
• US$10,000 following a covered hospitalization
Inpatient
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Prophylactic surgery to reduce the risk of cancer
US$20,000 if admitted immediately as an inpatient, after a 12-month waiting period
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$1,100,000 per lifetime
• US$1,100,000 per lifetime
Benefits for live donors
US$60,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
100% following a covered hospitalization
Allergy treatments
N/A
Physical therapy and rehabilitation
Inpatient
• 100% during hospitalization
Outpatient
• 100% up of 60 visits, following a covered hospitalization
• 100% during hospitalization
Outpatient
• 100% up of 60 visits, following a covered hospitalization
Specialized treatments
Autism, psychiatrist and occupational therapist
• US$2,500
• US$2,500
Congenital conditions diagnosed before age 18
US$2,000,000 per lifetime, including US$20,000 for cochlear implants (for congenital conditions diagnosed before or after 18 years of age)
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$50,000 if admitted immediately as an inpatient, after a 12-month waiting period
Surgical treatment of symptomatic foot disorders
100% after a after a 24-month waiting period
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
Emergency transportation by air ambulance
100% no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
N/A
Repatriation of mortal remains
US$25,000
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
100% for injuries during the training or practice of non-hazardous professional sports
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
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
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 years
Options III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Options III & IV
• Reduction of up to 50% for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Deductible elimination
Options I & II
• 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
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