{"id":627,"date":"2019-12-26T19:44:00","date_gmt":"2019-12-26T19:44:00","guid":{"rendered":"https:\/\/www.vumichoice.com\/?page_id=627"},"modified":"2025-11-21T19:02:18","modified_gmt":"2025-11-21T19:02:18","slug":"senior-vip-choice","status":"publish","type":"page","link":"https:\/\/www.vumichoice.com\/en\/senior-vip-choice\/","title":{"rendered":"Senior VIP Choice"},"content":{"rendered":"

[vc_row full_width=”stretch_row” css=”.vc_custom_1577389805011{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\/senior-1080.jpg?id=491) !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_1577389716327{margin-bottom: 0px !important;background-color: #847775 !important;}”][vc_column_inner css=”.vc_custom_1562187317311{margin-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1577389633880{margin-bottom: 0px !important;padding-right: 10px !important;}”]<\/p>\n

SENIOR <\/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_1577390754395{margin-bottom: 0px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 22px !important;background-color: #847775 !important;}”]<\/p>\n

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

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\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><\/tr>\n<\/thead>\n
US$3,000<\/td>US$5,000<\/td>US$10,000<\/td>US$20,000<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n

 <\/p>\n

*Only one (1) deductible per person, per policy year applies. For family policies, a maximum of two (2) deductibles accumulated per policy, per policy year
\nwill 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
Maximum lifetime coverage per person<\/td>US$4,000,000<\/td> <\/tr>\n
Maximum charges incurred per policy year, per insured<\/td>US$500,000<\/td> <\/tr>\n
Age range to apply for coverage<\/td>60 - 90 years old<\/td> <\/tr>\n
Waiting period<\/td>30 days<\/td> <\/tr>\n
Geographical coverage<\/td>Worldwide without restrictions of hospitals and doctors<\/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 room and hospitalization services (includes medication, laboratory exams, imaging studies, diagnostic procedures, specialized nurses and medical supplies, among others)<\/p><\/td>

Up to US$2,500 per day for the first 120 days; US$750per day for additional days<\/td> <\/tr>\n
Use of intensive care unit (includes medication, laboratory exams, imaging studies, diagnostic procedures, specialized nurses and medical supplies, among others)<\/td>Up to US$3,250 per day for the first 30 days; US$1,000per day for additional days<\/td> <\/tr>\n
Surgeon, assistant surgeon and anesthesiologist fees<\/td>Up to US$25,000 per surgery, max. of 2 surgeries per policy year<\/td> <\/tr>\n
Additional inpatient benefits (operating room and surgical implants)<\/td>Up to US$40,000 per surgery, max. of 2 surgeries per policy year<\/td> <\/tr>\n
Companion accommodation expenses of a hospitalized insured<\/td>US$100 per night, max. of 20 nights<\/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>US$10,000 per visit, max. of 2 visits per policy year<\/td> <\/tr>\n
Outpatient surgery (everything included)<\/td>Up to US$25,000 per surgery, max. of 2 surgeriesper policy year<\/td> <\/tr>\n
Nurse or therapist care at home<\/td>Up to US$100 per day, max. of 30 days per policy year<\/td> <\/tr>\n
Physician and specialist visits (including home visits where available) <\/td>Up to US$100 per consultation, max. of 12 consultations per policy year<\/td> <\/tr>\n
Diagnostic study services (pathology, X-rays, MRI\/CT\/PET scans, echocardiogram, stress tests, etc.)<\/td>Up to US$500 per exam, per insured<\/td> <\/tr>\n
Endoscopic procedures<\/td>Up to US$750 per exam, per insured<\/td> <\/tr>\n
Outpatient prescription medication<\/td>Up to US$1,000 per insured, per policy year<\/td> <\/tr>\n
Durable medical equipment<\/td>Up to US$2,000 per insured, per policy year<\/td> <\/tr>\n
Preventive health check-up, no deductible applies (all options)<\/td>US$300 per insured (after a 10-month waiting period)<\/td> <\/tr>\n
Hearing aids<\/td>Up to US$1,000 per insured, per lifetime<\/td> <\/tr>\n
Allergy treatment<\/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-ce0305b0-89b2″][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
Oncology: cancer treatment , inpatient or outpatient: diagnostic testing, lab tests, office visits, treatment (chemotherapy, radiotherapy and\/or gene therapy) and medication, among other related service<\/td>Up to US$200,000 per insured, per policy year<\/td> <\/tr>\n
Physical therapy and rehabilitation (inpatient or outpatient)<\/td>Up to US$100 per visit, max. of 30 visits per policy year<\/td> <\/tr>\n
Emergency transportation by ground ambulance<\/td>100% UCR, no deductible applies<\/td> <\/tr>\n
Emergency transportation by air ambulance<\/td>US$30,000, no deductible applies<\/td> <\/tr>\n
Emergency dental coverage <\/td>Up to US$25,000 per insured, per lifetime, within the first 90 days of the covered accident<\/td> <\/tr>\n
Organ \/ tissue transplant<\/td>US$175,000 per diagnostic, per lifetime
Includes US$15,000 benefit for expenses of the live donor
Additional US$325,000 with optional rider<\/td> <\/tr>\n
Reconstructive surgery after an accident or illness (covered by this plan)<\/td>Up to the maximum benefit<\/td> <\/tr>\n
Repatriation or cremation of mortal remains<\/td>Up to US$7,500 per insured<\/td> <\/tr>\n
Palliative care <\/td>Up to US$750 per day, max. of 120 days<\/td> <\/tr>\n
Temporary coverage for accident while application is beingunderwritten<\/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=”1695139363199-18526ee1-153d”][vc_column_text]
\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n
Benef\u00edcio<\/th>Cobertura<\/th><\/tr>\n<\/thead>\n
Organ\/tissue transplant<\/td>Additional US$325,000<\/td> <\/tr>\n
Travel VIP Light<\/td>Up to US$5,000 for emergency medical treatment while traveling abroad<\/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;}”]*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.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1563822925921{margin-right: 0px !important;margin-left: 0px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-right: 0px !important;padding-left: 0px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;border-right-color: #e8e8e8 !important;border-right-style: solid !important;border-top-color: #e8e8e8 !important;border-top-style: solid !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}”][vc_column_inner width=”1\/4″][\/vc_column_inner][vc_column_inner width=”1\/2″]