{"id":471,"date":"2019-11-19T16:48:08","date_gmt":"2019-11-19T16:48:08","guid":{"rendered":"https:\/\/www.vumichoice.com\/?page_id=471"},"modified":"2025-11-21T19:00:52","modified_gmt":"2025-11-21T19:00:52","slug":"optimum-vip-choice","status":"publish","type":"page","link":"https:\/\/www.vumichoice.com\/en\/optimum-vip-choice\/","title":{"rendered":"Optimum VIP Choice"},"content":{"rendered":"

[vc_row full_width=”stretch_row” css=”.vc_custom_1574184774282{margin-bottom: 0px !important;border-bottom-width: 5px !important;padding-top: 0px !important;background-image: url(https:\/\/www.vumichoice.com\/wp-content\/uploads\/2019\/11\/optimum-1080.jpg?id=489) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-bottom-color: #6bcfeb !important;border-bottom-style: solid !important;}”][vc_column width=”2\/3″ css=”.vc_custom_1562187554050{padding-top: 0px !important;}”][vc_empty_space height=”470px”][\/vc_column][vc_column css_animation=”fadeInUp” width=”1\/3″ css=”.vc_custom_1562187384544{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 css=”.vc_custom_1562187425597{margin-bottom: 0px !important;}”][vc_column_inner][vc_empty_space height=”270px”][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1574183384273{margin-bottom: 0px !important;background-color: #6bcfeb !important;}”][vc_column_inner css=”.vc_custom_1562187317311{margin-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1574182068452{margin-bottom: 0px !important;padding-right: 10px !important;}”]<\/p>\n

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

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Our most innovative and<\/span>
\ncomprehensive plan for all<\/span>
\nyour health needs<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1574183428308{margin-bottom: 0px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 22px !important;background-color: #6bcfeb !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_1574183517125{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

[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=”middle”][vc_column width=”2\/3″ css=”.vc_custom_1562271829297{margin-right: 0px !important;padding-right: 0px !important;}”][vc_column_text css=”.vc_custom_1574183438170{margin-right: 0px !important;margin-bottom: 0px !important;padding-top: 5px !important;padding-right: 0px !important;padding-bottom: 5px !important;padding-left: 22px !important;background-color: #6bcfeb !important;}”]<\/p>\n

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_1562261448330{margin-bottom: 0px !important;padding-bottom: 0px !important;}”][vc_tta_section title=”General Plan Information” tab_id=”1562174748846-972b56e0-c82c6512-e7e9″][vc_column_text css=”.vc_custom_1690329856759{margin-bottom: 0px !important;padding-top: 10px !important;padding-right: 64px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]All benefits described only apply to the medical conditions specified under Covered Conditions)<\/span>[\/vc_column_text][vc_column_text css=”.vc_custom_1575921993577{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$1,000,000<\/td> <\/tr>\n
Maximum age to apply for coverage<\/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>\u2022 100% UCR within the USA Special Network\u00ae
\u2022 Outside the USA Special Network\u00ae, the 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 benefits limits<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Covered Conditions” tab_id=”1562174753022-96410fc9-8b3b6512-e7e9″][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
Neurological diseases (including cerebrovascular accidents)<\/td>US$150,000 per policy year<\/td> <\/tr>\n
Cardiac surgery for revascularization and angioplasty <\/td>US$150,000 per policy year<\/td> <\/tr>\n
Cancer (tests, medication, chemotherapy, radiotherapy, gene therapy, surgery for tumor and reconstructive surgery)<\/td>US$200,000 per policy year<\/td> <\/tr>\n
Polytrauma (including rehabilitation) <\/td>US$200,000 per policy year<\/td> <\/tr>\n
Chronic kidney failure (dialysis or hemodialysis) <\/td>US$150,000 per policy year<\/td> <\/tr>\n
Severe burns (including reconstructive surgery) <\/td>US$300,000 per policy year<\/td> <\/tr>\n
Septicemia<\/td>US$150,000 per policy year<\/td> <\/tr>\n
Organ and tissue transplant<\/td>US$500,000 per insured, per lifetime
Includes US$50,000 benefit for expenses of the live donor<\/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-5f096512-e7e9″][vc_column_text css=”.vc_custom_1690329856759{margin-bottom: 0px !important;padding-top: 10px !important;padding-right: 64px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]All benefits described only apply to the medical conditions specified under Covered Conditions)<\/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
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>100% UCR, max. of 21 nights<\/td> <\/tr>\n
Prescribed medications while hospitalized <\/td>100% UCR for covered conditions<\/td> <\/tr>\n
Physical therapy and rehabilitation<\/td>100% UCR for covered conditions<\/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-c69e2c79-5c776512-e7e9″][vc_column_text css=”.vc_custom_1690329856759{margin-bottom: 0px !important;padding-top: 10px !important;padding-right: 64px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]All benefits described only apply to the medical conditions specified under Covered Conditions)<\/span>[\/vc_column_text][vc_column_text]
\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
Emergency room care<\/td>100% UCR<\/td> <\/tr>\n
Physician and specialist visits<\/td>100% UCR for covered conditions<\/td> <\/tr>\n
Physician and specialist home visits (where available)<\/td>100% UCR for covered conditions<\/td> <\/tr>\n
Outpatient prescription medication<\/td>US$5,000 per policy year for covered conditions<\/td> <\/tr>\n
Nurse or therapist care at home<\/td>US$7,000 per policy year for covered conditions<\/td> <\/tr>\n
Physical therapy and rehabilitation<\/td>US$7,000 per policy year for covered conditions<\/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=”1562174752411-21141c50-e45f6512-e7e9″][vc_column_text]The following benefits offer the same coverage for both inpatient and outpatient procedures<\/span>[\/vc_column_text][vc_column_text css=”.vc_custom_1690329856759{margin-bottom: 0px !important;padding-top: 10px !important;padding-right: 64px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]All benefits described only apply to the medical conditions specified under Covered Conditions)<\/span>[\/vc_column_text][vc_column_text]
\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
Surgeon and anesthesiologist fees<\/td>100% UCR for covered conditions<\/td> <\/tr>\n
Diagnostic study services (laboratory tests, biopsies, X-rays, MRI\/CT\/PET scans) <\/td>100% UCR for covered conditions<\/td> <\/tr>\n
Durable medical equipment<\/td>US$7,000 per policy year for covered conditions<\/td> <\/tr>\n
Congenital and\/or hereditary conditions diagnosed before age 18<\/td>10% UCR of the benefit for covered conditions, per lifetime<\/td> <\/tr>\n
Congenital and\/or hereditary conditions diagnosed after age 18<\/td>50% UCR of the benefit for covered conditions, per lifetime<\/td> <\/tr>\n
Reconstructive surgery after an accident or illness (covered by this plan)<\/td>Up to the maximum benefit<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Medical Evacuation Benefits” tab_id=”1562174753933-abcec223-ef3e6512-e7e9″][vc_column_text css=”.vc_custom_1690329856759{margin-bottom: 0px !important;padding-top: 10px !important;padding-right: 64px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]All benefits described only apply to the medical conditions specified under Covered Conditions)<\/span>[\/vc_column_text][vc_column_text]
\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Emergency transportation by ground ambulance<\/td>100% UCR for covered conditions, no deductible applies<\/td> <\/tr>\n
Emergency transportation by air ambulance <\/td>US$30,000 for covered conditions, no deductible applies<\/td> <\/tr>\n
Repatriation or cremation of mortal remains<\/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=”Other Benefits” tab_id=”1690331585610-e3d90ffe-1e9f”][vc_column_text css=”.vc_custom_1690329856759{margin-bottom: 0px !important;padding-top: 10px !important;padding-right: 64px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]All benefits described only apply to the medical conditions specified under Covered Conditions)<\/span>[\/vc_column_text][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
Treatment for injuries during the training or practice of hazardous hobbies and\/or non-professional sports<\/td>US$100,000 per lifetime for polytrauma or severe burns<\/td> <\/tr>\n
Palliative care<\/td>100% UCR for covered conditions<\/td> <\/tr>\n
Temporary coverage for polytrauma while application is being underwritten<\/td>US$30,000<\/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 <\/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=”1562174754546-ce0305b0-89b26512-e7e9″][vc_column_text]
\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Emergency coverage when traveling abroad<\/td>Up to US$5,000 for emergency medical treatment<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][vc_column_text]*Coverage subject to the purchase of the rider.<\/span>[\/vc_column_text][vc_column_text css=”.vc_custom_1690331931130{margin-bottom: 0px !important;padding-top: 10px !important;padding-right: 64px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]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>[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][vc_row_inner disable_element=”yes”][vc_column_inner][vc_column_text css=”.vc_custom_1562261870087{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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