{"id":607,"date":"2019-12-19T20:30:48","date_gmt":"2019-12-19T20:30:48","guid":{"rendered":"https:\/\/www.vumichoice.com\/?page_id=607"},"modified":"2025-11-21T18:58:09","modified_gmt":"2025-11-21T18:58:09","slug":"special-vip-choice","status":"publish","type":"page","link":"https:\/\/www.vumichoice.com\/en\/special-vip-choice\/","title":{"rendered":"Special VIP Choice"},"content":{"rendered":"

[vc_row full_width=”stretch_row” css=”.vc_custom_1564073332744{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\/special-1080.jpg?id=336) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-bottom-color: #0096cb !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_1564073309423{margin-bottom: 0px !important;background-color: #0096cb !important;}”][vc_column_inner css=”.vc_custom_1562187317311{margin-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1576787034189{margin-bottom: 0px !important;padding-right: 10px !important;}”]<\/p>\n

SPECIAL <\/span>VIP CHOICE<\/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>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1564073402225{margin-bottom: 0px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 22px !important;background-color: #0096cb !important;}”]<\/p>\n

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_1579552157244{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_1688702921659{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$3,000,000<\/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>\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,\rup to the policy limits<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][vc_column_text]*See list of hospitals.<\/span><\/strong>[\/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$5,000<\/td> <\/tr>\n
Nurse or therapist care at home<\/td>100% UCR, max of 100 days<\/td> <\/tr>\n
Preventive health checkup, no deductible applies (after a 12-month waiting period)<\/td>Options I, II, III & IV: US$ 300, all ages<\/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 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
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$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$1,000,000 per lifetime<\/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<\/p><\/td>

US$2,000<\/td> <\/tr>\n
Congenital and\/or hereditary conditions (including US$20,000 for cochlear implants) <\/td>US$500,000 per lifetime<\/td> <\/tr>\n
Congenital and\/or hereditary conditions (including US$20,000 for cochlear implants) <\/td>US$2,000,000 per lifetime<\/td> <\/tr>\n
Gene therapy<\/td>US$1,000,000<\/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 <\/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
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Maternity and birth complications (option I)<\/td>US$500,000, no deductible applies<\/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 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>Uop to US$500 per ticket<\/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=”1688702479790-9e2ff4ab-9c6c”][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 the covered 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 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 if the deductible was not met in any of the years<\/p><\/td> <\/tr>\n

Elimination of deductible in case of a serious accident (option 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\u00ae<\/td>Access to the medical opinion of internationally renowned experts from around the world regarding a condition, 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
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_1688702699102{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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