{"id":2787,"date":"2024-02-13T16:34:21","date_gmt":"2024-02-13T16:34:21","guid":{"rendered":"https:\/\/www.vumichoice.com\/360-vip-choice\/"},"modified":"2026-07-02T19:02:45","modified_gmt":"2026-07-02T19:02:45","slug":"360-vip-choice","status":"publish","type":"page","link":"https:\/\/www.vumichoice.com\/en\/360-vip-choice\/","title":{"rendered":"360 VIP CHOICE"},"content":{"rendered":"

[vc_row full_width=”stretch_row” css=”.vc_custom_1707770999725{margin-bottom: 0px !important;border-bottom-width: 5px !important;padding-top: 0px !important;background-image: url(https:\/\/www.vumichoice.com\/wp-content\/uploads\/2024\/02\/360-VIP-CHOICE.jpg?id=2749) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-bottom-color: #a71f5e !important;}”][vc_column width=”2\/3″ css=”.vc_custom_1580222828081{padding-top: 0px !important;}” offset=”vc_hidden-xs”][vc_empty_space height=”470px”][\/vc_column][vc_column css_animation=”fadeInUp” width=”1\/3″ css=”.vc_custom_1580224485358{margin-bottom: 0px !important;background-color: rgba(241,145,76,0.01) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;*background-color: rgb(241,145,76) !important;}”][vc_row_inner][vc_column_inner offset=”vc_hidden-lg vc_hidden-md vc_hidden-sm”][vc_empty_space height=”140px”][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1562187425597{margin-bottom: 0px !important;}”][vc_column_inner offset=”vc_hidden-xs”][vc_empty_space height=”270px”][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1707771065952{margin-bottom: 0px !important;background-color: rgba(167,31,94,0.9) !important;*background-color: rgb(167,31,94) !important;}”][vc_column_inner css=”.vc_custom_1580228458811{margin-bottom: 0px !important;}” offset=”vc_hidden-xs”][vc_column_text css=”.vc_custom_1707842239815{margin-bottom: 0px !important;padding-right: 10px !important;}”]<\/p>\n

360 VIP <\/span> CHOICE<\/span><\/span><\/p>\n

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Provides annual coverage of US$5 million for hospital and
\ntreatments worldwide <\/span><\/p>\n

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360 VIP <\/span> CHOICE<\/span><\/span><\/p>\n

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Provides annual coverage of US$5 million for hospital treatments worldwide and 100% <\/span><\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1707842274113{margin-bottom: 0px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 22px !important;background-color: #a71f5e !important;}”]<\/p>\n

DEDUCTIBLE <\/span>OPTIONS*<\/span><\/span><\/p>\n

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\n \n \n \n \n \n \n \n <\/colgroup>\n \n\n \n\n \n
Option I<\/th>Option II<\/th>Option III<\/th>Option IV<\/th>Option V<\/th><\/tr>\n<\/thead>\n
US$2,000<\/td>US$5,000<\/td>US$10,000<\/td>US$20,000<\/td>US$50,000<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text css=”.vc_custom_1707843080582{padding-top: 10px !important;padding-right: 62px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]<\/p>\n

*Only one (1) deductible per person, per policy year applies. For family policies, a maximum of two (2) deductibles accumulated per policy, per policy year will be applied.<\/p>\n

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TABLE OF <\/span>BENEFITS<\/span><\/span><\/p>\n

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<\/i> Download PDF<\/a>\u00a0<\/span><\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column css=”.vc_custom_1562261499423{margin-bottom: 0px !important;}”][vc_tta_tabs style=”modern” shape=”square” spacing=”” active_section=”1″ no_fill_content_area=”true” css=”.vc_custom_1688420667676{margin-bottom: 0px !important;padding-bottom: 0px !important;}”][vc_tta_section title=”GENERAL PLAN INFORMATION” tab_id=”1562174748846-972b56e0-c82c”][vc_column_text css=”.vc_custom_1707850017602{margin-bottom: 0px !important;padding-bottom: 0px !important;}”]

\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n \n \n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Lifetime coverage <\/td>Unlimited<\/td> <\/tr>\n
Maximum coverage per person, per policy year<\/td>US$5,000,000<\/td> <\/tr>\n
Age limit to apply<\/td>Up to 75 years old<\/td> <\/tr>\n
Waiting period<\/td>30 days<\/td> <\/tr>\n
Coverage outside USA <\/td>

• 100% UCR with free choice of hospitals and doctors
<\/td> <\/tr>\n

Coverage inside USA<\/td>

• 100% UCR within the USA Special Network ®
• Outside the USA Special Network®
, coverage will be at 80%, with a
maximum daily room rate of up to US$700 for a standard room and up
to US$1,400 for intensive care
• Emergency medical treatment will be covered 100% UCR,
up to the policy limits<\/p><\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”INPATIENT BENEFITS” tab_id=”1562174752411-21141c50-e45f”][vc_column_text]

\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n \n \n \n \n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Standard hospital room<\/td>100% UCR<\/td> <\/tr>\n
Special benefit for suite accommodation (subject to availability) <\/td>Up to US$2,000 per day within the USA Special Network\u00ae<\/td> <\/tr>\n
Use of intensive care unit <\/td>100% UCR<\/td> <\/tr>\n
Companion accommodation expenses of a hospitalized Insured <\/td>US$300 per night, up to US$3,000 per policy year<\/td> <\/tr>\n
Prescribed medications while hospitalized<\/td>100% UCR<\/td> <\/tr>\n
Physical therapy and rehabilitation <\/td>100% UCR<\/td> <\/tr>\n
Private duty nursing<\/td>100% UCR, max. of 100 days per policy year<\/td> <\/tr>\n
Inpatient mental health treatment (psychiatric hospitalization)<\/td>100% UCR, max. of 30 days per policy year<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”OUTPATIENT BENEFITS” tab_id=”1707772470674-706913d9-f211″][vc_column_text]
\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n \n \n \n \n \n \n \n \n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Emergency room care<\/td>100% UCR<\/td> <\/tr>\n
Physician and specialist visits<\/td>100% UCR<\/td> <\/tr>\n
Physician and specialist home visits (where available) <\/td>100% UCR<\/td> <\/tr>\n

Prescription medication following a hospitalization or outpatient
surgery<\/p><\/td>

100% UCR for up to 6 months<\/td> <\/tr>\n
Outpatient prescription medication <\/td>US$3,000<\/td> <\/tr>\n

Complementary therapy: chiropractic, speech, occupational, osteopathy
and\/or acupuncture<\/p><\/td>

100% UCR, max. of 80 visits combined per policy year<\/td> <\/tr>\n
Nurse or therapist care at home<\/td>100% UCR, max. of 100 days per policy year<\/td> <\/tr>\n
Preventive health checkup (all options)<\/td>

• 100% UCR for insureds from 0 to 6 months of age, up to 5 visits
• US$600 per policy year for insureds from 6 months and older<\/p><\/td> <\/tr>\n

Treatment for Alzheimer\u2019s disease<\/td>100% UCR<\/td> <\/tr>\n
Allergy treatment<\/td>100% UCR<\/td> <\/tr>\n
Physical therapy and rehabilitation<\/td>US$10,000<\/td> <\/tr>\n
Outpatient mental health<\/td>100% UCR, max. of 30 visits<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”GENERAL BENEFITS FOR INPATIENT AND OUTPATIENT PROCEDURES” tab_id=”1707772548568-a820b612-b165″][vc_column_text]The following benefits offer the same coverage for both inpatient and outpatient procedures.<\/span><\/strong>[\/vc_column_text][vc_column_text]
\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Emergency medical services<\/td>100% UCR<\/td> <\/tr>\n
Surgeon and anesthesiologist fees <\/td>100% UCR<\/td> <\/tr>\n

Diagnostic study services (laboratory tests, pathology, X-rays, MRI\/CT\/
PET scans)<\/p><\/td>

100% UCR<\/td> <\/tr>\n
Highly specialized prescription medication<\/td>100% UCR<\/td> <\/tr>\n
Oncology: tests, treatment (chemotherapy and\/or radiotherapy) and medication <\/td>100% UCR<\/td> <\/tr>\n
Surgery to reduce the risk of cancer or prophylactic surgery<\/td>US$30,000 per lifetime (after a 12-month waiting period)<\/td> <\/tr>\n
Dialysis services<\/td>100% UCR<\/td> <\/tr>\n
Prostheses and medical appliances implanted during surgery<\/td>100% UCR<\/td> <\/tr>\n
Organ\/tissue transplant<\/td>

US$750,000 per lifetime
Includes US$40,000 benefit for expenses of the live donor<\/p><\/td> <\/tr>\n

Durable medical equipment <\/td>100% UCR<\/td> <\/tr>\n
Specialized treatments: autism, sleep apnea and other sleep disorders<\/td>US$2,000<\/td> <\/tr>\n

Congenital and\/or hereditary conditions
Diagnosed before age 18 <\/p><\/td>

US$2,000,000 per lifetime<\/td> <\/tr>\n

Congenital and\/or hereditary conditions
Diagnosed after age 18 <\/p><\/td>

100% UCR<\/td> <\/tr>\n
HIV-AIDS treatment <\/td>100% UCR (after a 24-month waiting period)<\/td> <\/tr>\n
HPV treatment and vaccine <\/td>US$5,000 per lifetime<\/td> <\/tr>\n

Gastric bypass bariatric surgery and any type of surgical procedure for
weight loss and its complications or treatments<\/p><\/td>

US$10,000 per lifetime (after a 24-month waiting period)<\/td> <\/tr>\n
Surgical treatment of symptomatic foot disorders<\/td>100% UCR (after a 24-month waiting period)<\/td> <\/tr>\n
Reconstructive surgery after an accident or illness (covered by this plan)<\/td>Up to the benefit limit<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”MATERNITY BENEFITS” tab_id=”1707772565616-d96af130-4b2f”][vc_column_text]10-month Waiting Period.<\/span>[\/vc_column_text][vc_column_text]
\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n \n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Maternity, cesarean or normal birth (options I and II)<\/td>

Option I:
• US$8,500, no deductible applies
Option II:
• US$8,500, after deductible<\/p><\/td> <\/tr>\n

Maternity and newborn complications (options I, II, III and IV)<\/td>US$1,000,000, per lifetime after deductible<\/td> <\/tr>\n
Inclusion of the newborn within 90 days after the birth (options I and II) <\/td>

Without underwriting, if born in the policy, after the 10-month
waiting period<\/p><\/td> <\/tr>\n

Free coverage for dependents (options I and II) <\/td>Up to 5 years old for children born from a covered maternity*<\/td> <\/tr>\n

Provisional coverage for the newborn (born from a covered maternity)
(options I and II)<\/p><\/td>

Option I:
• US$5,000 per pregnancy, max. of 90 days, no deductible applies
Option II:
• US$5,000 per pregnancy, max. of 90 days, after deductible<\/p><\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][vc_column_text]*Included in the policy within 90 days from birth. After 90 days, premium payment will be required.<\/span><\/strong>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”MEDICAL EVACUATION BENEFITS” tab_id=”1707772612823-91c5a22f-693f”][vc_column_text]

\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Emergency transportation Ground ambulance\u00a0<\/td>100% UCR<\/td> <\/tr>\n
Emergency transportation Air ambulance\u00a0<\/td>100% UCR, no deductible applies<\/td> <\/tr>\n

Cost of return ticket for the Insured and one companion after an
evacuation by air ambulance<\/p><\/td>

US$2,000 per person<\/td> <\/tr>\n
Repatriation or cremation of mortal remains<\/td>US$20,000<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”OTHER BENEFITS” tab_id=”1707772642974-a7dc692f-32f8″][vc_column_text]
\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n \n \n \n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Treatment for injuries during the training or practice of hazardous hobbies and\/or non-professional sports <\/td>US$250,000<\/td> <\/tr>\n
Emergency dental coverage<\/td>

100% UCR for treatment within the first 180 days of the
covered accident<\/p><\/td> <\/tr>\n

Palliative care<\/td>100% UCR<\/td> <\/tr>\n
Additional benefit for a covered critical illness <\/td>US$2,500 per person, per lifetime<\/td> <\/tr>\n

Free extended coverage for eligible dependents after the policyholder’s
death as a result of a covered accident or condition<\/p><\/td>

2 years<\/td> <\/tr>\n

Elimination\/reduction of the policy deductible for no claims during the
last 3 years<\/p><\/td>

Options I & II:
• Elimination for 1 year after the 3rd year without claims
• Reduction of 50% of the deductible for 1 year after the 3rd year, if
the deductible was not met in any of the years
Options III & IV:
• Reduction of 50% of the deductible for 1 year after the 3rd year
without claims<\/p><\/td> <\/tr>\n

Second Medical Opinion VIP \u00ae<\/td>

Access to a second medical opinion of renowned experts from around
the world, no deductible applies<\/p><\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”OPTIONAL ADDITIONAL BENEFITS (RIDERS)” tab_id=”1707772658376-abe39384-1e1e”][vc_column_text]

\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Travel VIP Light<\/td>

Up to US$5,000 for emergency medical treatment while
traveling abroad<\/p><\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][vc_row_inner][vc_column_inner][vc_column_text]All benefits with 100% coverage are up to the policy limit. Benefits with established coverage will be up to the limits stated in each of them.<\/span><\/strong>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1563822925921{margin-right: 0px !important;margin-left: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 0px !important;padding-left: 0px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;border-right-color: #e8e8e8 !important;border-right-style: solid !important;border-top-color: #e8e8e8 !important;border-top-style: solid !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}”][vc_column_inner width=”1\/3″][\/vc_column_inner][vc_column_inner width=”1\/3″]