VUMI Absolute VIP
Type of plan
Absolute VIP
Maximum coverage per insured
Unlimited
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
100%
Special benefit for suite
US$3,000 per day within the USA Special Network
Intensive care unit
100%
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• 100%
Related to a hospitalization of an insured 18 years and older
• 100% max. of 21 nights
• 100%
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
100%
Complementary therapy
Chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture
• US$6,000 all therapies combined
• US$6,000 all therapies combined
Nurse care at home
100%
Preventive health checkup
No deductible applies and without waiting period
Options I, II, III, IV, V & VI
• US$300 per visit, up to 6 visits from 0 to 12 months old
• US$500 from 12 months and older, including up to US$75 for preventive dental checkup in options I, II & III
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures, human papilloma virus (HPV) test and/or vaccinations
Options I, II, III & IV
• Colon cancer screening, US$1,200 from 45 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Options I, II, III, IV, V & VI
• US$300 per visit, up to 6 visits from 0 to 12 months old
• US$500 from 12 months and older, including up to US$75 for preventive dental checkup in options I, II & III
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures, human papilloma virus (HPV) test and/or vaccinations
Options I, II, III & IV
• Colon cancer screening, US$1,200 from 45 years and older, every 10 years
• Mammogram, US$400 from 40 years and older
• Pap Smear, US$150 from 21 to 65 years old, every 3 years
• Prostate cancer screening, US$300 from 50 years and older
Hearing aids
US$3,000 per lifetime
Alzheimer’s disease
100%
Autism
• 100% if the insured was born under a covered maternity
• US$10,000 for insureds not born under a covered maternity who develop the condition while they are insured
• US$10,000 for insureds not born under a covered maternity who develop the condition while they are insured
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%
Prophylactic surgery to reduce the risk of cancer
US$30,000 per lifetime, after a 12-month waiting period
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$3,000,000 per lifetime
• US$3,000,000 per lifetime
Benefits for live donors
US$80,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
100%
Allergy treatments
100%
Physical therapy and rehabilitation
100%
Specialized treatments
Occupational therapist, speech therapist, sleep apnea and other sleep disorders
• US$5,000 for outpatient and inpatient treatments
• US$5,000 for outpatient and inpatient treatments
Congenital conditions diagnosed before age 18
US$2,000,000 per lifetime, including US$40,000 for cochlear implants (for congenital conditions diagnosed before or after 18 years of age)
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$1,000,000 per lifetime, after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
100% after a 24-month waiting period
Psychology
Included in the complementary therapy benefit of US$6,000, outpatient only
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options I, II & III
Inside the Special Maternity Network
• 100% per pregnancy for normal delivery
• US$10,000 per pregnancy for cesarean delivery
Outside the Special Maternity Network
• US$8,000 per pregnancy for normal delivery
• US$10,000 per pregnancy for cesarean delivery
Includes deliveries of pregnancies resulting from any type of fertility treatment
Options I, II & III
Inside the Special Maternity Network
• 100% per pregnancy for normal delivery
• US$10,000 per pregnancy for cesarean delivery
Outside the Special Maternity Network
• US$8,000 per pregnancy for normal delivery
• US$10,000 per pregnancy for cesarean delivery
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 & III
• US$1,000,000 per covered pregnancy, per lifetime
Options I, II & III
• US$1,000,000 per covered pregnancy, per lifetime
Inclusion of the newborn
Options I, II & III
• 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
• 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
Options I, II & III
• US$2,000 per covered pregnancy for extraction and storage for 1 year
• US$2,000 per covered pregnancy for extraction and storage for 1 year
Fertility treatment
After a 24-month waiting period
Options I & II
• US$5,000 per lifetime
Options I & II
• US$5,000 per lifetime
Neonatal Intensive Care Unit (NICU)
Options I, II & III
• Included in the maternity and newborn complications benefit up to US$1,000,000
• Included in the maternity and newborn complications benefit up to US$1,000,000
Pre-natal and post-natal care
Options I, II & III
• Included in the maternity benefit, up to US$8,000 combined
• Included in the maternity benefit, up to US$8,000 combined
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
100% no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$2,000 per ticket
Repatriation of mortal remains
100%
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%
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
US$800 per eye, per lifetime, after a 24-month waiting period
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
2 years if occurs from a covered event
Free coverage for dependents
Options I & II, up to 10 years old for children born from a covered maternity
• 2 children if both parents are covered
• 1 child if only the mother is covered
• 2 children if both parents are covered
• 1 child if only the mother is covered
Elimination/reduction of deductible for no claims made or not having met the deductible
Options I, II, III & IV
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Options V & VI
• 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
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the years
Options V & VI
• 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
Deductible elimination
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 of 100%
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
Term Life VIP optional plan
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)
Free benefit only for Argentina, Chile, Colombia, Paraguay, Peru and Uruguay
• US$5,000 for emergency medical treatment abroad (with optional rider)
Free benefit only for Argentina, Chile, Colombia, Paraguay, Peru and Uruguay
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