VUMI Global Flex VIP Basic
Type of plan
Global Flex VIP Basic
Cobertura máxima por segurado
US$3,000,000 per policy year
Idade limite para solicitar cobertura
74
Período de carência
N/A
Cobertura fora dos Estados Unidos
100% without restrictions of doctors and hospitals subject to one the following geographical areas of coverage chosen at the time of the
application:
• Worldwide excluding USA
• Africa area of cover restriction
For insureds residing in Africa, the area of cover will be restricted to: Africa, India, Pakistan, Sri Lanka, Bangladesh, Jordan, Lebanon, Mainland China, and the Philippines.
• S.E. Asia area of cover restriction
For insureds residing in Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Thailand,Timor-Leste (East Timor) and Vietnam, the S.E. area of cover restriction will include Singapore but exclude Mainland China, Hong Kong, Japan and South Korea
Any treatment received outside the geographic area of coverage is limited to the emergency non-elective treatment benefit
application:
• Worldwide excluding USA
• Africa area of cover restriction
For insureds residing in Africa, the area of cover will be restricted to: Africa, India, Pakistan, Sri Lanka, Bangladesh, Jordan, Lebanon, Mainland China, and the Philippines.
• S.E. Asia area of cover restriction
For insureds residing in Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Thailand,Timor-Leste (East Timor) and Vietnam, the S.E. area of cover restriction will include Singapore but exclude Mainland China, Hong Kong, Japan and South Korea
Any treatment received outside the geographic area of coverage is limited to the emergency non-elective treatment benefit
Cobertura dentro dos Estados Unidos
100% without restrictions of doctors and hospitals subject to the following geographical area of coverage chosen at the time of the
application:
• Worldwide including USA elective treatment, US$3,000,000 within USA, optional additional coverage
application:
• Worldwide including USA elective treatment, US$3,000,000 within USA, optional additional coverage
Coberturas Hospitalares
Quarto de hospital padrão particular
100%
Benefício especial para uma suíte
N/A
Unidade de cuidados intensivos
100%
Acompanhante durante uma hospitalização
Related to a hospitalization of an insured under age 18
• 100%
• 100%
Medicamentos prescritos durante uma internação
100%
Tratamento hospitalar para saúde mental
100% up to 30 days
Coberturas Ambulatoriais
Sala de emergência
Within the geographical area of coverage
• 100%
Emergency non-elective treatment outside the geographical area of coverage
• 100% for injuries resulting from accidents, which require hospitalization
• US$50,000 for emergencies due to sudden illnesses, which require hospitalization, manifested during planned trips up to thirty 30 days of duration
• US$500 for outpatient emergency room hospital visits as a result
of an accident
• 100%
Emergency non-elective treatment outside the geographical area of coverage
• 100% for injuries resulting from accidents, which require hospitalization
• US$50,000 for emergencies due to sudden illnesses, which require hospitalization, manifested during planned trips up to thirty 30 days of duration
• US$500 for outpatient emergency room hospital visits as a result
of an accident
Consultas médicas e de especialistas
Pre and post-operative only, up to 15 days before
or after in-patient treatment
• 100%
or after in-patient treatment
• 100%
Consultas médicas e de especialistas em residência
N/A
Medicamentos prescritos
Pre and post-operative only, up to 15 days before
or after in-patient treatment
• 100%
or after in-patient treatment
• 100%
Terapias complementares
N/A
Cuidados de enfermagem no domicílio / home care
100% up to 30 days
Exame médico preventivo (check-up)
N/A
Aparelhos auditivos
N/A
Doença de Alzheimer
N/A
Autismo
N/A
Cirurgia ambulatorial
100%
Terapia de reposição hormonal para aliviar os sintomas da menopausa
N/A
Benefícios Gerais
Honorários do cirurgião e do anestesista
100%
Serviços de estudos diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncologia: exames de câncer, tratamento (quimioterapia e/ou radioterapia) e medicamentos
100%
Diálise
100%
Cirurgia para reduzir o risco de câncer ou cirurgia profilática
N/A
Prótese e meios corretivos implantados durante uma cirurgia
N/A
Transplante de órgãos e tecido
Per organ/tissue
• 100%
• 100%
Cobertura para o doador vivo
US$50,000 per lifetime, included in the organ transplant benefit
Equipamento médico-hospitalar
100%
Tratamento de alergia
N/A
Fisioterapia e reabilitação
100% up to 30 days, per medical condition
Tratamentos especializados
N/A
Condições congênitas diagnosticadas antes dos 18 anos
Congenital Conditions after 30 days from birth
• US$50,000
Congenital Conditions from birth up to 30 days
• Covered under the newborn coverage benefit
• US$50,000
Congenital Conditions from birth up to 30 days
• Covered under the newborn coverage benefit
Condições congênitas diagnosticadas na idade de 18 ou após
Included in the congenital conditions diagnosed before age 18 benefit
HIV-AIDS
US$50,000 after a 36-month waiting period
Tratamento cirúrgico de distúrbios sintomáticos do pé
N/A
Psicoterapia
N/A
Medicamentos prescritos para saúde mental
N/A
Benefícios de Maternidade
Maternidade
N/A
Complicações de maternidade e do nascimento
After a 12-month waiting period
• 100%
• 100%
Inclusão de recém-nascido
Subject to underwriting
Extração e armazenamento de células tronco
N/A
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (UCIN)
Included in the maternity and newborn coverage benefit
Cuidados pré-natais e pós-natais
• Included in the maternity benefit
Newborn coverage benefit
• US$50,000 for medical expenses for injury or illness of the newborn, such as respiratory distress, prematurity, hypoglycaemia, congenital and hereditary disorders, low birth weight and birth trauma, which were diagnosed within the first 30 days of life, the newborn must be added to the policy within the first 90 days of life
Newborn coverage benefit
• US$50,000 for medical expenses for injury or illness of the newborn, such as respiratory distress, prematurity, hypoglycaemia, congenital and hereditary disorders, low birth weight and birth trauma, which were diagnosed within the first 30 days of life, the newborn must be added to the policy within the first 90 days of life
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
100%
Transporte de emergência por ambulância aérea
• 100%
• US$300 per day for reasonable travel costs to and from the hospital for the insured and companion, and non-hospital accommodation, only for immediate pre and post-hospital admission periods provided that the Insured is under the care of a specialist
• US$300 per day for reasonable travel costs to and from the hospital for the insured and companion, and non-hospital accommodation, only for immediate pre and post-hospital admission periods provided that the Insured is under the care of a specialist
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
Included in the emergency transportation by air ambulance benefit
• 100% for economy class tickets, provided that it is performed within the thirty (30) days of discharge and it is coordinated by the Company
• 100% for economy class tickets, provided that it is performed within the thirty (30) days of discharge and it is coordinated by the Company
Repatriação de restos mortais
US$5,000 for burial or cremation costs
Outros Benefícios
Lesões durante o treinamento ou na prática de hobbies e/ou esportes perigosos não profissionais
N/A
Lesões durante o treinamento ou na prática de esportes profissionais
N/A
Cobertura dental de emergência
100% within 30 days of accident
Cirurgia corretiva ou reconstrutiva em caso de doença ou acidente
100% if medically necessary and as a result of a medical condition covered by the policy
Cirurgia refrativa ocular
N/A
Cuidados paliativos em casos terminais
US$50,000 per lifetime
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
N/A
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
2 years if occurs from a covered event and after the last payment period of the policy
Cobertura gratuita para dependentes
N/A
Eliminação / redução da franquia por não apresentar reembolsos
N/A
Eliminação da franquia
N/A
Segunda opinião médica
Included
Prótese de membros
US$1,000
Tratamento odontológico maior ou de rotina
N/A
Reembolso de viagens para tratamentos na rede de centros de excelência da América Latina
N/A
Guerra e Terrorismo
100% for passive war and terrorism
Seguro de vida temporário
N/A
Condições pré-existentes declaradas
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
Serviços de concierge para pacientes
N/A
Assistência de viagem
N/A
Benefício hospitalário em dinheiro
No deductible applies
• US$250 per night, max. of 30 nights when an Insured person is admitted for inpatient treatment and is receiving free-of-charge treatment that would have otherwise been eligible for coverage under this policy
• US$250 per night, max. of 30 nights when an Insured person is admitted for inpatient treatment and is receiving free-of-charge treatment that would have otherwise been eligible for coverage under this policy
Benefícios adicionais opcionais
Evacuação para o país de escolha do segurado, país de residência ou país de origem
100%
Evacuação não emergencial
US$2,000
Exoneração do período de espera para condiciones preexistentes
N/A