VUMI Europe Protect VIP
Type of plan
Protect VIP
Cobertura máxima por segurado
US$5,000,000 per policy year
Idade limite para solicitar cobertura
75
Período de carência
30 days
Cobertura fora dos Estados Unidos
100% worldwide without restrictions of doctors and hospitals
Cobertura dentro dos Estados Unidos
Only if the optional U.S. Coverage Module is acquired
• 100% through the Protect VIP USA Network
• Outside the Protect VIP USA Network coverage will be at 60% with a maximum daily room rate of up to US$700 for a standard room and up to US$1,400 for intensive care room
• Emergency medical treatment will be covered 100% up to the policy limits
The Hospitalization Benefits Module (Base Plan) must be acquired before any other optional module can be added
• 100% through the Protect VIP USA Network
• Outside the Protect VIP USA Network coverage will be at 60% with a maximum daily room rate of up to US$700 for a standard room and up to US$1,400 for intensive care room
• Emergency medical treatment will be covered 100% up to the policy limits
The Hospitalization Benefits Module (Base Plan) must be acquired before any other optional module can be added
Coberturas Hospitalares
Quarto de hospital padrão particular
100% up to the coverage limit
Benefício especial para uma suíte
Only if the optional U.S. Coverage Module is acquired
• US$2,000 per day within the Protect VIP USA Network
• US$2,000 per day within the Protect VIP USA Network
Unidade de cuidados intensivos
100% up to the coverage limit
Acompanhante durante uma hospitalização
Related to a hospitalization of an insured under age 18
• US$175 per night, max. of 30 nights
Related to a hospitalization of an insured 18 years and older
• 100% max. of 21 nights
• US$175 per night, max. of 30 nights
Related to a hospitalization of an insured 18 years and older
• 100% max. of 21 nights
Medicamentos prescritos durante uma internação
100%
Tratamento hospitalar para saúde mental
N/A
Coberturas Ambulatoriais
Sala de emergência
100% if admitted immediately as an inpatient
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Consultas médicas e de especialistas
Outpatient
• 100%
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
• 100%
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Consultas médicas e de especialistas em residência
N/A
Medicamentos prescritos
Outpatient
• US$4,000
Included in the Hospitalization Benefits Module (Base Plan)
• US$3,500 up to 6 months following a covered hospitalization or outpatient surgery
• US$4,000
Included in the Hospitalization Benefits Module (Base Plan)
• US$3,500 up to 6 months following a covered hospitalization or outpatient surgery
Terapias complementares
N/A
Cuidados de enfermagem no domicílio / home care
100% following a covered hospitalization
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Exame médico preventivo (check-up)
N/A
Aparelhos auditivos
N/A
Doença de Alzheimer
N/A
Autismo
100%
Cirurgia ambulatorial
100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
Terapia de reposição hormonal para aliviar os sintomas da menopausa
N/A
Benefícios Gerais
Honorários do cirurgião e do anestesista
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Serviços de estudos diagnósticos
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
Outpatient (if the optional Outpatient Module is acquired)
• 100% for pre-surgical testing only, pre-authorization required
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Outpatient (if the optional Outpatient Module is acquired)
• 100% for pre-surgical testing only, pre-authorization required
Inpatient*
• 100%
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Oncologia: exames de câncer, tratamento (quimioterapia e/ou radioterapia) e medicamentos
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Diálise
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Cirurgia profilática para reduzir o risco de câncer
N/A
Prótese e meios corretivos implantados durante uma cirurgia
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Transplante de órgãos e tecido
Per organ/tissue
• US$1,100,000 per lifetime
Included in the Hospitalization Benefits Module (Base Plan)
• US$1,100,000 per lifetime
Included in the Hospitalization Benefits Module (Base Plan)
Cobertura para o doador vivo
US$60,000 per lifetime, included in the organ transplant benefit
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Equipamento médico-hospitalar
100% following a covered hospitalization
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Tratamento de alergia
Included in the Outpatient Outpatient Module
• 100%
• 100%
Fisioterapia e reabilitação
Inpatient*
• 100% during hospitalization
Outpatient (if the optional Outpatient Module is acquired)
• 100% up of 60 visits, following a covered hospitalization
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
• 100% during hospitalization
Outpatient (if the optional Outpatient Module is acquired)
• 100% up of 60 visits, following a covered hospitalization
A US$500 or US$1,000 deductible applies; the maximum allowable amount for all combined outpatient benefit expenses is US$20,000 per policy year
*Included in the Hospitalization Benefits Module (Base Plan)
Tratamentos especializados
Occupational therapist
• 100% UCR
Speech therapist
• 100% UCR
Sleep apnea and other sleep disorders
• 100% UCR
• 100% UCR
Speech therapist
• 100% UCR
Sleep apnea and other sleep disorders
• 100% UCR
Condições congênitas diagnosticadas antes dos 18 anos
N/A
Condições congênitas diagnosticadas na idade de 18 ou após
N/A
HIV-AIDS
US$50,000 if admitted immediately as an inpatient, after a 12-month waiting period
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
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
N/A
Inclusão de recém-nascido
N/A
Extração e armazenamento de células tronco
N/A
Tratamento de fertilidade
N/A
Unidade de Cuidados Intensivos Neonatais (UCIN)
N/A
Cuidados pré-natais e pós-natais
N/A
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
100% no deductible applies, if admitted immediately as an inpatient
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Transporte de emergência por ambulância aérea
100% no deductible applies
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
N/A
Repatriação de restos mortais
US$25,000
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Outros Benefícios
Lesões durante o treinamento ou na prática de hobbies e/ou esportes perigosos não profissionais
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Lesões durante o treinamento ou na prática de esportes profissionais
N/A
Cobertura dental de emergência
100% for treatment within the first 180 days of the covered accident
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
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
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Cirurgia refrativa ocular
N/A
Cuidados paliativos em casos terminais
100%
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
US$30,000
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
N/A
Cobertura gratuita para dependentes
N/A
Eliminação/redução da franquia por não apresentação de pedidos de reembolso ou não cumprimento da franquia
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 yearsOptions III & IV
• 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
Included in the Hospitalization Benefits Module (Base Plan)
• Elimination for 1 policy year after the end of the 3rd year if the deductible was not met in any of the yearsOptions III & IV
• 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
Included in the Hospitalization Benefits Module (Base Plan)
Eliminação da franquia
N/A
Segunda opinião médica
Included
Included in the Hospitalization Benefits Module (Base Plan)
Included in the Hospitalization Benefits Module (Base Plan)
Prótese de membros
Included in the durable medical equipment benefit of 100% after a covered hospitalization
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
N/A
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
VIP Patient Concierge Services
Assistência de viagem
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)
Benefício hospitalário em dinheiro
N/A
Benefícios adicionais opcionais
Evacuação para o país de escolha do segurado, país de residência ou país de origem
N/A
Evacuação não emergencial
N/A
Exoneração do período de espera para condiciones preexistentes
N/A