{"id":482,"date":"2019-11-19T17:17:55","date_gmt":"2019-11-19T17:17:55","guid":{"rendered":"https:\/\/www.vumichoice.com\/?page_id=482"},"modified":"2025-11-21T19:03:10","modified_gmt":"2025-11-21T19:03:10","slug":"direct-vip-choice","status":"publish","type":"page","link":"https:\/\/www.vumichoice.com\/en\/direct-vip-choice\/","title":{"rendered":"Direct VIP Choice"},"content":{"rendered":"

[vc_row full_width=”stretch_row” css=”.vc_custom_1574185145061{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\/direct-1080.jpg?id=494) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-bottom-color: #a49665 !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_1574183801578{margin-bottom: 0px !important;background-color: #a49665 !important;}”][vc_column_inner css=”.vc_custom_1562187317311{margin-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1579539722016{margin-bottom: 0px !important;padding-right: 10px !important;}”]<\/p>\n

DIRECT <\/span>VIP CHOICE<\/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_1574183826158{margin-bottom: 0px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 22px !important;background-color: #a49665 !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_1579540376330{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

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

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

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\n \n \n \n \n <\/colgroup>\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
Maximum age to apply for coverage<\/td>Up to 75 years old<\/td> <\/tr>\n
Waiting period<\/td>30 days<\/td> <\/tr>\n
Geographical coverage<\/td>Worldwide without restrictions of doctors and hospitals<\/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-5f09d437-538c”][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
Standard private\/semi-private hospital room<\/td>\u2022 100% UCR\u2022 Outside of USA Special Network\u00ae : US$2,000 per day<\/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>\u2022 100% UCR\u2022 Outside of USA Special Network\u00ae: US$4,000 per day<\/td> <\/tr>\n
Emergency room care<\/td>100% UCR (if admitted immediately as an inpatient)<\/td> <\/tr>\n
Surgeon and anesthesiologist fees<\/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<\/td> <\/tr>\n
Prescribed medications following a hospitalization or outpatient surgery<\/td>US$7,000 per policy year<\/td> <\/tr>\n
Inpatient mental health treatment and medication<\/td>US$5,000<\/td> <\/tr>\n
Dialysis \/ hemodialysis services<\/td>100% UCR<\/td> <\/tr>\n
Laboratory tests and X-rays<\/td>100% UCR<\/td> <\/tr>\n
Oncology: cancer treatment (chemotherapy and\/or radiotherapy)<\/td>100% UCR<\/td> <\/tr>\n
Physician and specialist visits<\/td>100% UCR<\/td> <\/tr>\n
Physical therapy and rehabilitation<\/td>100% UCR (during a hospitalization)<\/td> <\/tr>\n
Prostheses and medical appliances implanted during surgery<\/td>100% UCR<\/td> <\/tr>\n
Organ transplant (per organ\/tissue)<\/td>US$1,100,000 per lifetime
Includes US$60,000 benefit for expenses of the live donor<\/td> <\/tr>\n
HIV\/AIDS treatment<\/td>US$50,000 per policy year (only if admitted as an inpatient and after a 12-month waiting period)<\/td> <\/tr>\n
Gastric bypass bariatric surgery and any type of surgical procedure for weight loss, its complications or treatments, and\/or weight loss medication<\/td>US$10,000 per lifetime (after a 24-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=”Outpatient Benefits” tab_id=”1562174751188-c69e2c79-5c77d437-538c”][vc_column_text]
\n \n \n \n \n <\/colgroup>\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 for an emergency physical trauma or accident only in latin amerca<\/td>100% UCR <\/td> <\/tr>\n
Oncology: tests, treatment (chemotherapy and\/or radiotherapy) and medication<\/td>100% UCR <\/td> <\/tr>\n
Prophylactic surgery to reduce the risk of cancer <\/td>US$20,000 per lifetime (after a 12-month waiting period)<\/td> <\/tr>\n
Diagnostic study services (pathology, X-rays, MRI\/CT\/PET scans, etc.) Pre-surgical testing only. Pre-authorization required<\/td>US$15,000 per policy year<\/td> <\/tr>\n
Diagnostic study services (pathology, X-rays, MRI\/CT\/PET scans, etc.) following a hospitalization<\/td>US$10,000 per policy year<\/td> <\/tr>\n
Dialysis \/ hemodialysis services<\/td>100% UCR <\/td> <\/tr>\n
Physician visits for pre-hospitalization and as a follow up to a covered hospitalization<\/td>US$6,000 per policy year, up to 10 months from the date of discharge<\/td> <\/tr>\n
Outpatient surgery<\/td>100% UCR<\/td> <\/tr>\n
Physical therapy and rehabilitation<\/td>100% UCR, max. of 60 visits (following a covered hospitalization)<\/td> <\/tr>\n
Treatment for Alzheimer\u2019s disease<\/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=”Other Benefits” tab_id=”1562174754546-ce0305b0-89b2d437-538c”][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 \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Preventive health checkup, no deductible applies<\/td>Options I & II:\u2022 100% UCR for insureds from 0 to 6 months of age,up to 5 visits\u2022 US$600 per policy year for insureds from 6 monthsto 17 years of age\u2022 US$600 per policy year for insureds from 18 years of ageand olderOptions III & IV:\u2022 US$600 per policy year for all ages
<\/td> <\/tr>\n
Congenital and\/or hereditary conditions diagnosed before age 18
(including US$20,000 for cochlear implants) <\/td>		US$2,000,000 per lifetime<\/td> <\/tr>\n
Congenital and\/or hereditary conditions diagnosed after age 18
(including US$20,000 for cochlear implants) <\/td>		100% UCR<\/td> <\/tr>\n
Gene therapy <\/td>US$1,000,000<\/td> <\/tr>\n
Specialized treatments: autism and psychiatry Specialized therapies: occupational<\/td>US$2,500<\/td> <\/tr>\n
Durable medical equipment<\/td>100% UCR (as follow-up care to a covered hospitalization)<\/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
Emergency dental coverage<\/td>100% UCR for treatment within the first 180 days of the\rcovered accident<\/td> <\/tr>\n
Emergency transportation by air ambulance<\/td>100% UCR, no deductible applies<\/td> <\/tr>\n
Emergency transportation by ground ambulance<\/td>100% UCR, no deductible applies \r(if admitted immediately as an inpatient)<\/td> <\/tr>\n
Nurse or therapist care at home<\/td>100% UCR (as follow-up care to a covered hospitalization)<\/td> <\/tr>\n
Palliative care<\/td>100% UCR<\/td> <\/tr>\n
Repatriation or cremation of mortal remains<\/td>US$25,000<\/td> <\/tr>\n
Treatment for injuries during the training or practice of hazardous hobbies and\/or non-professional sports<\/td>100% UCR<\/td> <\/tr>\n
Treatment for injuries during the training or practice of non-hazardous professional sports<\/td>100% UCR<\/td> <\/tr>\n
Temporary coverage for accidents while application is being underwritten<\/td>US$30,000<\/td> <\/tr>\n
Elimination\/reduction of the policy deductible for not meeting the deductible during the last 3 years<\/td>

Options I & II:
• Elimination 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 yea if the deductible was not met in any of the years<\/p><\/td> <\/tr>\n

Elimination of deductible in case of a serious accident (options I & II)<\/td>Elimination of the annual deductible for the first hospital treatment that requires a hospitalization within the first 24 hours after the serious accident<\/td> <\/tr>\n
Second Medical Opinion VIP<\/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=”1690324404162-d5e32b0d-9232″][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_1690324495724{padding-top: 10px !important;padding-right: 62px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]<\/p>\n

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><\/p>\n

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*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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