{"id":583,"date":"2019-12-17T17:07:20","date_gmt":"2019-12-17T17:07:20","guid":{"rendered":"https:\/\/www.vumichoice.com\/?page_id=583"},"modified":"2025-11-21T18:56:58","modified_gmt":"2025-11-21T18:56:58","slug":"universal-vip-choice","status":"publish","type":"page","link":"https:\/\/www.vumichoice.com\/en\/universal-vip-choice\/","title":{"rendered":"Universal VIP Choice"},"content":{"rendered":"

[vc_row full_width=”stretch_row” css=”.vc_custom_1564072125170{margin-bottom: 0px !important;border-bottom-width: 5px !important;padding-top: 0px !important;background-image: url(https:\/\/www.vumichoice.com\/wp-content\/uploads\/2019\/07\/universal-1080.jpg?id=333) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-bottom-color: #0f2e57 !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_1564069286457{margin-bottom: 0px !important;background-color: #0f2e57 !important;}”][vc_column_inner css=”.vc_custom_1562187317311{margin-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1576603666298{margin-bottom: 0px !important;padding-right: 10px !important;}”]<\/p>\n

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

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The most comprehensive<\/span>
\nplan with annual coverage<\/span>
\nof US$5 million<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1564070408960{margin-bottom: 0px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 22px !important;background-color: #0f2e57 !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_1579550846613{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>\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-c82c”][vc_column_text css=”.vc_custom_1688695627486{margin-bottom: 0px !important;padding-bottom: 0px !important;}”]

\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$7,000,000<\/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-5f09″][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
Standard private 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>100% UCR, max. of 21 nights<\/td> <\/tr>\n
Prescribed medications while hospitalized<\/td>100% UCR<\/td> <\/tr>\n
Inpatient mental health treatment and medication<\/td>100% UCR max. of 30 days<\/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 \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>100% UCR <\/td> <\/tr>\n

Complementary therapy: chiropractic, psychiatry, speech, occupational,
osteopathy, acupuncture, psychology and\/or outpatient mental health
prescription medication<\/p><\/td>

US$7,500, all therapies combined<\/td> <\/tr>\n
Nurse or therapist care at home<\/td>100% UCR<\/td> <\/tr>\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 months to 17 years of age\u2022 US$600 per policy year for insureds from 18 years of age and olderOptions III & IV:\u2022 US$600 per policy year for all agesPreventive care benefit (options I, II, III & IV): \u2022 Colon cancer screening (at 45 years and older): US$1,200 every 10 years (after a 12-month waiting period)<\/td> <\/tr>\n
Hearing aids <\/td>US$2,000 per lifetime<\/td> <\/tr>\n
Treatment for Alzheimer\u2019s disease<\/td>100% UCR<\/td> <\/tr>\n
Allergy treatment<\/td>100% UCR<\/td> <\/tr>\n
Autism treatment<\/td>US$5,000<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”General Benefits for Inpatient and Outpatient Procedures” tab_id=”1562174752411-21141c50-e45f”][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)<\/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$25,000 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 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
Durable medical equipment <\/td>100% UCR<\/td> <\/tr>\n
Physical therapy and rehabilitation<\/td>100% UCR<\/td> <\/tr>\n
Specialized treatments: sleep apnea and other sleep disorders<\/td>US$3,000<\/td> <\/tr>\n
Congenital conditions diagnosed before age 18 (including US$30,000 for cochlear implants) <\/td>US$2,000,000 per lifetime<\/td> <\/tr>\n
Congenital conditions diagnosed after age 18 (including US$30,000 for cochlear implants) <\/td>100% UCR<\/td> <\/tr>\n
Gene therapy<\/td>US$1,000,000<\/td> <\/tr>\n
HIV-AIDS Treatment<\/td>US$1,000,000 per lifetime (after a 24-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
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 maximum benefit<\/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=”1562174753022-96410fc9-8b3b”][vc_column_text]10-month waiting period, no deductible applies.<\/span><\/strong>[\/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<\/td>Option I: US$8,500, no deductible applies Option II: US$8,500, after deductible

Includes deliveries for pregnancies that are a result of any type of fertility treatments<\/em><\/td> <\/tr>\n
Extraction and storage of newborn stem cells (option I)<\/td>US$1,000 per covered delivery<\/td> <\/tr>\n
Maternity and birth complications<\/td>Option I: US$1,000,000 per lifetime, no deductible applies<\/td> <\/tr>\n
Inclusion of the newborn within 90 days after the birth (options I & II)<\/td>Without underwriting, if born from a covered maternity<\/td> <\/tr>\n
Free coverage for dependents up to 5 years old (option I)*<\/td>\u2022 Max. of 2 children born from a covered maternity, if both parents are insured in the policy \u2022 Max. of 1 child born from a covered maternity, if only the mother is insured in the policy<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][vc_column_text css=”.vc_custom_1690329101002{padding-top: 10px !important;padding-right: 62px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]*Included in the policy within 90 days from birth. After 90 days, premium payment will be required.<\/span>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Medical Evacuation Benefits” 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>Up to US$1,000 per ticket<\/td> <\/tr>\n
Repatriation or cremation of mortal remains<\/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=”1688691911881-db3c3d41-ba94″][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 professional sports<\/td>100% UCR<\/td> <\/tr>\n
Emergency dental coverage <\/td>100% UCR for treatment within the first 180 days of the covered accident<\/td> <\/tr>\n
Refractive eye surgery <\/td>US$500 per eye, per lifetime (after a 24-month waiting period)<\/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>2 years<\/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 year if the deductible was not met in any of the years<\/p><\/td> <\/tr>\n

Second Medical Opinion VIP\u00ae<\/td>Access to a second medical opinion of renowned experts from around the world, without deductible<\/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-ce0305b0-89b2″][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 birth complications (option II)<\/td>US$500,000 per lifetime, after deductible<\/td> <\/tr>\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 riders.<\/span>[\/vc_column_text][vc_column_text css=”.vc_custom_1690329022083{padding-top: 10px !important;padding-right: 62px !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.<\/strong><\/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_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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