{"id":1564,"date":"2020-02-03T15:23:31","date_gmt":"2020-02-03T15:23:31","guid":{"rendered":"https:\/\/www.vumigroup.com\/?page_id=1564"},"modified":"2020-02-03T17:19:36","modified_gmt":"2020-02-03T17:19:36","slug":"protect-vip","status":"publish","type":"page","link":"https:\/\/www.vumivenezuela.com\/en\/protect-vip\/","title":{"rendered":"Protect VIP"},"content":{"rendered":"

[vc_row full_width=”stretch_row” css=”.vc_custom_1580744037684{margin-bottom: 0px !important;border-bottom-width: 5px !important;padding-top: 0px !important;background-image: url(https:\/\/www.vumivenezuela.com\/wp-content\/uploads\/2020\/02\/protect-1080-min.jpg?id=1567) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-bottom-color: #bc887f !important;border-bottom-style: solid !important;}”][vc_column width=”2\/3″ css=”.vc_custom_1580227348260{padding-top: 0px !important;}” offset=”vc_hidden-xs”][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][vc_column_inner offset=”vc_hidden-lg vc_hidden-md vc_hidden-sm”][vc_empty_space height=”140px”][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1562187425597{margin-bottom: 0px !important;}”][vc_column_inner offset=”vc_hidden-xs”][vc_empty_space height=”270px”][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1580743386355{margin-bottom: 0px !important;background-color: #bc887f !important;}”][vc_column_inner css=”.vc_custom_1580227427629{margin-bottom: 0px !important;}” offset=”vc_hidden-xs”][vc_column_text css=”.vc_custom_1580744067751{margin-bottom: 0px !important;padding-right: 10px !important;}”]<\/p>\n

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

[\/vc_column_text][vc_column_text css=”.vc_custom_1580750362029{margin-bottom: 14px !important;padding-right: 10px !important;}”]<\/p>\n

Is a modular plan that provides flexibility to choose the coverage you need<\/span><\/p>\n

[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1580743394635{background-color: #bc887f !important;}”][vc_column offset=”vc_hidden-lg vc_hidden-md vc_hidden-sm” css=”.vc_custom_1580227501955{padding-top: 0px !important;}”][vc_column_text css=”.vc_custom_1580227487085{margin-bottom: 0px !important;padding-right: 10px !important;}”]<\/p>\n

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

[\/vc_column_text][vc_column_text css=”.vc_custom_1580227863446{margin-bottom: 14px !important;padding-right: 10px !important;}”]<\/p>\n

Offers an annual coverage of US$5 million for hospitalization and essential outpatient treatments.<\/span><\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1580744968140{margin-bottom: 0px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 22px !important;background-color: #bc887f !important;}”]<\/p>\n

HOSPITALIZATION MODULE (BASE PLAN) DEDUCTIBLE OPTIONS* <\/span>(INSIDE** OR OUTSIDE THE U.S.)<\/span><\/span><\/p>\n

[\/vc_column_text][vc_row_inner][vc_column_inner][vc_column_text css=”.vc_custom_1580744783768{margin-bottom: 0px !important;}”]

\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$500<\/td>US$1,000<\/td>US$2,000<\/td>US$5,000<\/td>US$10,000<\/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_1580747699489{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

**For coverage in the United States, the U.S. Coverage Module must be acquired.<\/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_1580743521090{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: #bc887f !important;}”]<\/p>\n

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

[\/vc_column_text][\/vc_column][vc_column css_animation=”none” width=”1\/3″ css=”.vc_custom_1580743408072{margin-right: 15px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;background-color: #bc887f !important;}”][vc_column_text css=”.vc_custom_1580749066268{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 100px !important;padding-top: 7px !important;padding-right: 0px !important;padding-bottom: 6px !important;padding-left: 0px !important;}”]<\/p>\n

<\/i> Download PDF<\/a><\/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=”Base Plan General Information” tab_id=”1562174748846-972b56e0-c82cd437-538c”][vc_column_text css=”.vc_custom_1580745087396{margin-bottom: 0px !important;padding-bottom: 0px !important;}”]

\n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Maximum coverage per person, per policy year<\/td>US$5,000,000<\/td> <\/tr>\n
Age limit to apply <\/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 (excluding the U.S., unless the optional U.S. Coverage Module is acquired)<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Hospitalization Benefits Module” 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 \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>100% UCR <\/td> <\/tr>\n
Intensive care unit<\/td>100% UCR<\/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
Adult companion accommodation (Of a hospitalized insured under 18 years old)<\/td>US$175 per night, max. of 30 nights<\/td> <\/tr>\n
Adult companion accommodation (Of a hospitalized insured over 18 years old)<\/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>100% UCR for up to 6 months after discharge, max. of US$3,500 per policy year<\/td> <\/tr>\n
Dialysis services inpatient or outpatient<\/td>100% UCR<\/td> <\/tr>\n
Laboratory tests and X-rays<\/td>100% UCR<\/td> <\/tr>\n
Oncology: inpatient or outpatient cancer treatment (chemotherapy and 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<\/td> <\/tr>\n
Benefits for live donors<\/td>US$60,000 (included in the organ transplant benefit)<\/td> <\/tr>\n
HIV\/AIDS<\/td>US$50,000 (if admitted as an inpatient and after a 12-month waiting period)<\/td> <\/tr>\n
Bariatric surgery <\/td>US$10,000 per lifetime (after a 24-month waiting period)<\/td> <\/tr>\n
Durable medical equipment<\/td>100% UCR (as follow-up care to a covered hospitalization)<\/td> <\/tr>\n
Emergency dental coverage<\/td>100% UCR for treatment within the first 180 days of the covered accident<\/td> <\/tr>\n
Emergency transportation by ground ambulance<\/td>100% UCR, no deductible applies (if admitted immediately as an inpatient)<\/td> <\/tr>\n
Emergency transportation by air ambulance<\/td>100% UCR, no deductible applies<\/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 of mortal remains<\/td>US$25,000 (must be pre-approved and coordinated by the company)<\/td> <\/tr>\n
Temporary coverage for accidents while application is being underwritten<\/td>US$30,000<\/td> <\/tr>\n
Injuries during the training or practice of hazardous hobbies and\/ornon-professional sports<\/td>100% UCR<\/td> <\/tr>\n
Deductible elimination\/reduction for no claims made fir 3 years<\/td>\u2022 Elimination for 1 year after the 3rd year without claims(options II & III)
\u2022 Reduction of up to 50% for 1 year after the 3rd year withoutclaims (options IV & V)<\/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=”Outpatient Benefits Module” 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 \n \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Outpatient benefits additional deductible<\/td>US$500 or US$1,000<\/td> <\/tr>\n
Outpatient benefits maximum coverage per person, per policy year<\/td>US$10,000<\/td> <\/tr>\n
Diagnostic study services (pathology, X-rays, MRI\/CT\/PET scans, etc.) Pre-surgical testing only. Pre-authorization required<\/td>100% UCR <\/td> <\/tr>\n
Prescription medication<\/td>US$4,000<\/td> <\/tr>\n
Physician and specialist visits<\/td>100% UCR<\/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
Speech therapy<\/td>100% UCR<\/td> <\/tr>\n
Occupational therapy<\/td>100% UCR<\/td> <\/tr>\n
Sleep apnea and other sleep disorders<\/td>100% UCR<\/td> <\/tr>\n
Autism treatment<\/td>100% UCR<\/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=”U.S. Coverage Module (Optional)*” tab_id=”1562174754546-ce0305b0-89b2d437-538c”][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
Maximum coverage per person, per policy year within the U.S<\/td>Up to policy limits <\/td> <\/tr>\n
Coverage inside USA<\/td>Inside the Protect VIP USA Network\u00ae:
\u2022 100% UCR
Outside the Protect VIP USA Network\u00ae:
\u2022 60% of the covered expenses (with a maximum daily room rate of up to US$700 for a standard room and up to US$1,400 for intensive care unit)
\u2022 Emergency medical treatment: 100% UCR<\/td> <\/tr>\n
Special benefit for suite<\/td>Up to US$2,000 per day within the Protect VIP USA Network\u00ae.
(no coverage available outside the Protect VIP USA Network\u00ae)<\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][vc_column_text css=”.vc_custom_1580744149958{padding-top: 10px !important;padding-right: 62px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f4f4f4 !important;}”]<\/p>\n

*The Hospitalization Benefits Module (Base Plan) must be chosen before any other optional module can be added.
\n
\nAll benefits with 100% coverage are up to the policy limit.<\/strong><\/p>\n

[\/vc_column_text][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

[\/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\/3″][\/vc_column_inner][vc_column_inner width=”1\/3″]