{"id":335,"date":"2019-07-25T16:48:55","date_gmt":"2019-07-25T16:48:55","guid":{"rendered":"https:\/\/www.vumigroup.com\/?page_id=335"},"modified":"2021-06-21T22:44:47","modified_gmt":"2021-06-21T22:44:47","slug":"special-vip","status":"publish","type":"page","link":"https:\/\/www.vumivenezuela.com\/en\/special-vip\/","title":{"rendered":"Special VIP"},"content":{"rendered":"

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

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

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Covers all your essential health needs with an annual coverage of US$3 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 <\/colgroup>\n \n\n \n\n \n \n
Option I<\/th>Option II<\/th>Option III<\/th>Option IV<\/th>Option V<\/th>Option VI<\/th><\/tr>\n<\/thead>\n
US$500<\/td>US$2,000<\/td>US$5,000<\/td>US$10,000<\/td>US$20,000<\/td>US$50,000<\/td> <\/tr>\n
US$1,000<\/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_1593469248695{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 \n
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Maximum coverage per person, per policy year<\/td>US$5,000,000<\/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>100% UCR with free choice of hospitals and doctors<\/td> <\/tr>\n
Coverage inside USA<\/td>\u2022 100% UCR within the USA Special Network\u00ae\u2022 Outside the USA Special Network\u00ae, the 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, up to the policy limits<\/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 hospital room<\/td>100% UCR<\/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$150 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
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 \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$30,000<\/td> <\/tr>\n
Nurse or therapist care at home<\/td>US$10,000<\/td> <\/tr>\n

Preventive health checkup per insured, no deductible applies
(after a 10-month waiting period)<\/p><\/td>

Options I & II:
• US$100 up to 17 years old
• US$150 at 18 years and older<\/p>


Option III:
• US$150, all ages<\/p><\/td> <\/tr>\n

Hearing aids<\/td>US$1,000 per lifetime<\/td> <\/tr>\n
Treatment for Alzheimer\u2019s disease<\/td>100% UCR<\/td> <\/tr>\n
Allergy treatment<\/td>100% UCR<\/td> <\/tr>\n
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” 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
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$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
Durable medical equipment<\/td>US$10,000<\/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$20,000 for cochlear implants) - diagnosed before age 18<\/td>US$500,000 per lifetime<\/td> <\/tr>\n
Congenital and\/or hereditary conditions (including US$20,000 for cochlear implants) - diagnosed after age 18<\/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
Gastric bypass bariatric surgery and any type of surgical procedure for weight loss, its complications or treatments, and\/or weight loss medication<\/td>US$5,000 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
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Maternity (options I & II)<\/td>

• US$4,000
• Includes extraction and storage of umbilical cord blood stem cells<\/p>


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

Maternity and birth complications (options I & II)<\/td>US$500,000<\/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 <\/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>US$60,000, 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$500 per ticket<\/td> <\/tr>\n
Repatriation or cremation of mortal remains<\/td>US$40,000<\/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=”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
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Treatment for injuries during the training or practice of hazardous hobbies and\/or professional low-risk 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
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 & III:
\u2022 Elimination for 1 year after the 3rd year if the deductible was not met in any of the years

Options IV & V:
\u2022 Reduction of 50% of the deductible for 1 year after the 3rd year if the deductible was not met in any of the years<\/td> <\/tr>\n
Elimination of deductible in case of a serious accident (options I, II & III)<\/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<\/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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