{"id":335,"date":"2019-07-25T16:48:55","date_gmt":"2019-07-25T16:48:55","guid":{"rendered":"http:\/\/vumi.vumimarketing.com\/?page_id=335"},"modified":"2020-01-15T19:15:57","modified_gmt":"2020-01-15T19:15:57","slug":"special-vip","status":"publish","type":"page","link":"https:\/\/www.vumichoice.com\/en\/special-vip\/","title":{"rendered":"Special VIP"},"content":{"rendered":"

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SPECIAL <\/span>VIP<\/span><\/span><\/p>\n

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Covers all your essential<\/span>
\nhealth needs with an annual<\/span>
\ncoverage of US$3 million<\/span><\/p>\n

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

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\n \n \n \n \n \n \n \n \n <\/colgroup>\n \n\n \n\n \n
<\/th>Option I<\/th>Option II<\/th>Option III<\/th>Option IV<\/th>Option V<\/th><\/tr>\n<\/thead>\n
<\/td>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_1564069808660{padding-top: 10px !important;padding-right: 62px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]<\/p>\n

*Only one Deductible per person, per Policy Year applies. For family Policies, a maximum of two Deductibles accumulated per Policy, per Policy Year will be applied. For more information, please refer to the Conditions of Coverage of the policy.<\/p>\n

**Excludes Venezuela.<\/p>\n

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

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\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$3,000.000<\/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>\u2022 100% UCR with free choice of hospitals and doctors
\u2022 Inside the \u201cBrazil Premium Providers\u201d coverage will be at 50%<\/td> <\/tr>\n
Coverage inside USA<\/td>\u2022 100% UCR within the USA Special Network\u00ae
\u2022 Outside the USA Special Network\u00ae, 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
\u2022 Emergency medical treatment will be covered 100% UCR,up to the policy limits<\/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=”1562174748858-e69f6a5f-5f09″][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
Standard hospital room<\/td>100% UCR<\/td> <\/tr>\n
Use of intensive care unit<\/td>100% UCR<\/td> <\/tr>\n
Companion accommodation expenses of a hospitalized insured <\/td>US$150 per night, max. of 30 nights<\/td> <\/tr>\n
Prescribed medications while hospitalized<\/td>100% UCR<\/td> <\/tr>\n
Physical therapy and rehabilitation<\/td>100% UCR<\/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=”1562174751188-c69e2c79-5c77″][vc_column_text]
\n \n \n \n \n <\/colgroup>\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
Outpatient prescription medication<\/td>US$5,000<\/td> <\/tr>\n
Nurse or therapist care at home<\/td>US$15,000<\/td> <\/tr>\n
Preventive health checkup, no deductible applies (options I & II)<\/td>US$200 per insured (after a 12-month waiting period)<\/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 <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”General 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 \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) <\/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$20,000 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$500,000 per lifetime
Includes US$30,000 benefit for expenses of the live donor<\/td> <\/tr>\n
Durable medical equipment <\/td>US$10,000<\/td> <\/tr>\n
Specialized treatments: autism, sleep apnea and other sleep disorders
Specialized therapies: psychiatric and occupational <\/td>		US$2,000<\/td> <\/tr>\n
Congenital and\/or hereditary conditions diagnosed before age 18 <\/td>US$500,000 per lifetime<\/td> <\/tr>\n
Congenital and\/or hereditary conditions diagnosed after age 18 <\/td>US$2,000,000 per lifetime<\/td> <\/tr>\n
HIV-AIDS treatment<\/td>US$250,000 per lifetime (after a 48-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” tab_id=”1562174753022-96410fc9-8b3b”][vc_column_text]
\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Maternity and newborn complications (option I)<\/td>US$500,000, no deductible applies (After a 10-month waiting period)<\/td> <\/tr>\n
Inclusion of the newborn within 90 days after the birth (option I)<\/td>Without underwriting, if born in the policy, after the 10-month waiting period<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Medical Evacuation” tab_id=”1562174753933-abcec223-ef3e”][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 by ground ambulance<\/td>100% UCR, no deductible applies<\/td> <\/tr>\n
Emergency transportation by air ambulance <\/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<\/td>US$500 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=”1562174754546-ce0305b0-89b2″][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
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 thecovered accident<\/td> <\/tr>\n
Palliative care <\/td>100% UCR<\/td> <\/tr>\n
Temporary coverage for accidents while application is being underwritten <\/td>US$30,000<\/td> <\/tr>\n
Free extended coverage for eligible dependents after the policyholder\u2019s death as a result of a covered accident or condition<\/td>1 year<\/td> <\/tr>\n
Elimination\/reduction of the policy deductible for no claims during the last 3 years<\/td>Options I & II:
\u2022 Elimination for 1 year after the 3rd year without claims
\u2022 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:
\u2022 Reduction of 50% of the deductible for 1 year after the 3rd year without claims<\/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<\/td> <\/tr>\n
Travel VIP Light<\/td>Up to US$5,000 for emergency medical treatment while traveling abroad (with rider)<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][vc_row_inner disable_element=”yes”][vc_column_inner][vc_column_text css=”.vc_custom_1564072363184{margin-top: -38px !important;padding-top: 10px !important;padding-right: 62px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]<\/p>\n

*For existing Policies, the Waiting Period begins on the Renewal Date. All benefits with 100% coverage are up to the Policy limit.<\/p>\n

All contents of this book are for informative purposes only. The benefits are governed by the terms described in the Conditions of Coverage of the Policy. Unless otherwise stated, the benefits are offered on a per Insured \/ per Policy Year basis in which the chosen Deductible applies. All amounts are in US Dollars (USD). The benefits are limited to the medical expenses covered under the Policy and are subject to the Usual, Customary and Reasonable expenses (UCR) for the geographic area where the expenses were incurred.<\/p>\n

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