VUMI Absolute VIP
Type of plan
Absolute VIP
Cobertura máxima por segurado
Unlimited
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
100% without restrictions of doctors and hospitals
Coberturas Hospitalares
Quarto de hospital padrão particular
100%
Benefício especial para uma suíte
US$3,000 per day within the USA Special Network
Unidade de cuidados intensivos
100%
Acompanhante durante uma hospitalização
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
Medicamentos prescritos durante uma internação
100%
Tratamento hospitalar para saúde mental
N/A
Coberturas Ambulatoriais
Sala de emergência
100%
Consultas médicas e de especialistas
100%
Consultas médicas e de especialistas em residência
100%
Medicamentos prescritos
100%
Terapias complementares
Chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture
• US$6,000 all therapies combined
• US$6,000 all therapies combined
Cuidados de enfermagem no domicílio / home care
100%
Exame médico preventivo (check-up)
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
Aparelhos auditivos
US$3,000 per lifetime
Doença de Alzheimer
100%
Autismo
• 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
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 profilática para reduzir o risco de câncer
US$30,000 per lifetime, after a 12-month waiting period
Prótese e meios corretivos implantados durante uma cirurgia
100%
Transplante de órgãos e tecido
Per organ/tissue
• US$3,000,000 per lifetime
• US$3,000,000 per lifetime
Cobertura para o doador vivo
US$80,000 per lifetime, included in the organ transplant benefit
Equipamento médico-hospitalar
100%
Tratamento de alergia
100%
Fisioterapia e reabilitação
100%
Tratamentos especializados
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
Condições congênitas diagnosticadas antes dos 18 anos
US$2,000,000 per lifetime, including US$40,000 for cochlear implants (for congenital conditions diagnosed before or after 18 years of age)
Condições congênitas diagnosticadas na idade de 18 ou após
100%
HIV-AIDS
US$1,000,000 per lifetime, after a 24-month waiting period
Tratamento cirúrgico de distúrbios sintomáticos do pé
100% after a 24-month waiting period
Psicoterapia
Included in the complementary therapy benefit of US$6,000, outpatient only
Medicamentos prescritos para saúde mental
N/A
Benefícios de Maternidade
Maternidade
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
Complicações de maternidade e do nascimento
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
Inclusão de recém-nascido
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
Extração e armazenamento de células tronco
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
Tratamento de fertilidade
After a 24-month waiting period
Options I & II
• US$5,000 per lifetime
Options I & II
• US$5,000 per lifetime
Unidade de Cuidados Intensivos Neonatais (UCIN)
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
Cuidados pré-natais e pós-natais
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
Benefícios de Evacuação Médica
Transporte de emergência por ambulância terrestre
100% no deductible applies
Transporte de emergência por ambulância aérea
100% no deductible applies
Passagem aérea de volta do segurado e acompanhante após uma evacuação por ambulância aérea
US$2,000 per ticket
Repatriação de restos mortais
100%
Outros Benefícios
Lesões durante o treinamento ou na prática de hobbies e/ou esportes perigosos não profissionais
100%
Lesões durante o treinamento ou na prática de esportes profissionais
100%
Cobertura dental de emergência
100% for treatment within the first 180 days of the covered 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
US$800 per eye, per lifetime, after a 24-month waiting period
Cuidados paliativos em casos terminais
100%
Cobertura provisória para acidentes enquanto se processa a solicitação do seguro
US$30,000
Cobertura gratuita prorrogada para dependentes após a morte do titular da apólice
2 years if occurs from a covered event
Cobertura gratuita para dependentes
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
Eliminação/redução da franquia por não apresentação de pedidos de reembolso ou não cumprimento da franquia
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
Eliminação da franquia
Elimination of deductible for the first medical treatment in an emergency room, hospital or emergency facility within 24 hours after a serious accident
Segunda opinião médica
Included
Prótese de membros
Included in the durable medical equipment benefit of 100%
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
Term Life VIP optional plan
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)
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
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