{"id":330,"date":"2019-07-25T15:43:15","date_gmt":"2019-07-25T15:43:15","guid":{"rendered":"https:\/\/www.vumigroup.com\/?page_id=330"},"modified":"2021-06-21T22:46:02","modified_gmt":"2021-06-21T22:46:02","slug":"universal-vip","status":"publish","type":"page","link":"https:\/\/www.vumivenezuela.com\/en\/universal-vip\/","title":{"rendered":"Universal VIP"},"content":{"rendered":"

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

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The most comprehensive<\/span>
\nplan with annual coverage<\/span>
\nof US$5 million<\/span><\/p>\n

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

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The most comprehensive plan with annual coverage of US$5 million<\/span><\/p>\n

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

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\n \n \n \n \n \n \n \n \n \n \n <\/colgroup>\n \n\n \n\n \n \n
<\/th>Option I<\/th>Option II<\/th>Option III<\/th>Option IV<\/th>Option V<\/th>Option VI<\/th>Option VII<\/th><\/tr>\n<\/thead>\n
<\/td>US$500<\/td>US$2,000<\/td>US$3,000<\/td>US$5,000<\/td>US$10,000<\/td>US$20,000<\/td>US$50,000<\/td> <\/tr>\n
<\/td>US$1,000<\/td>US$2,000<\/td>US$3,000<\/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_1593469841282{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 policy\u2019s Conditions of Coverage.<\/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
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\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\/semi-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
Adult companion accommodation expenses of a hospitalized insured under 18 years old<\/td>US$350 per night, max. of 30 nights<\/td> <\/tr>\n
Adult companion accommodation expenses 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 <\/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
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: chiropractor, psychologist, psychiatrist, osteopath and\/or acupuncturist<\/td>US$3,500<\/td> <\/tr>\n
Nurse or therapist care at home<\/td>100% UCR<\/td> <\/tr>\n
Preventive health checkup, no deductible applies (after a 10-month waiting period)<\/td>
Options I, II & III:<br>
\u2022 US$200 up to 17 years old<br>
\u2022 US$350 at 18 years and older<br><br>
Options IV, V & VI:<br>
\u2022 US$200, all ages<br><br>
Preventive care benefits (options I, II, III & IV):<br>
\u2022 Colon cancer screening (at 45 years and older): US$1,200 every 10 years<br>
\u2022 Mammogram (at 40 years and older): US$400<br>
\u2022 Pap smear (from 21 to 65 years of age): US$150 every 3 years<br>
\u2022 Prostate cancer screening (at 50 years and older): US$300<br><\/div><\/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 <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”General Benefits” tab_id=”1562174752411-21141c50-e45f”][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
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\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$30,000 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 lifetimeIncludes 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: autism, sleep apnea and other sleep disorders
Specialized therapies: occupational and speech<\/td>		US$3,000<\/td> <\/tr>\n
Congenital and\/or hereditary conditions (including US$30,000 for cochlear implants) - diagnosed before age 18<\/td>US$2,000,000 per lifetime<\/td> <\/tr>\n
Congenital and\/or hereditary conditions (including US$30,000 for cochlear implants) - diagnosed after age 18<\/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 procedurefor weight loss, its complications or treatments, and\/or weight lossmedication<\/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<\/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” tab_id=”1562174753022-96410fc9-8b3b”][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
Maternity (options I, II & III)<\/td>

US$7,000
Includes deliveries for pregnancies that are a result of any type of fertility treatments<\/p><\/td> <\/tr>\n

Extension of the maternity coverage*<\/td>US$1,500<\/td> <\/tr>\n
Extraction and storage of newborn stem cells (options I, II & III)<\/td>US$1,000 per covered delivery<\/td> <\/tr>\n
Maternity and bitrth complications (options I, II & III)<\/td>US$1,000,000 per lifetime<\/td> <\/tr>\n
Inclusion of the newborn within 90 days after the birth (options I, II & III)<\/td>Without underwriting, if born from a covered maternity<\/td> <\/tr>\n
Free coverage for dependents up to 5 years old (options I & II) **<\/td>

• Max. of 2 children born from a covered maternity
(options I & II only), if both parents are insured in the policy
• Max. of 1 child born from a covered maternity (options I & II only),
if only the mother is insured in the policy<\/p><\/td> <\/tr>\n <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Medical Evacuation” 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 - Ground ambulance<\/td>100% UCR, no deductible applies<\/td> <\/tr>\n
Emergency transportation - 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$2,000 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=”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
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’s
death as a result of a covered accident or condition<\/p><\/td>

2 years<\/td> <\/tr>\n

Elimination\/reduction of the policy deductible for not meeting the deductible during the
last 3 years<\/p><\/td>

Options I, II, III & IV:
• Elimination for 1 year after the 3rd year if the deductible was not met in any of the years<\/p>


Options V & VI:
• 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

Elimination of deductible in case of a serious accident (all options)<\/td>

Elimination of the annual deductible for the first hospital urgent
treatment that requires a hospitalization within the first 24 hours after
the serious accident<\/p><\/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<\/p><\/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;}”]<\/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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