{"id":482,"date":"2019-11-19T17:17:55","date_gmt":"2019-11-19T17:17:55","guid":{"rendered":"https:\/\/www.vumigroup.com\/?page_id=482"},"modified":"2021-06-21T22:37:08","modified_gmt":"2021-06-21T22:37:08","slug":"direct-vip","status":"publish","type":"page","link":"https:\/\/www.vumivenezuela.com\/en\/direct-vip\/","title":{"rendered":"Direct VIP"},"content":{"rendered":"

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

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

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

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Offers an annual coverage of US$5 million for hospitalization and essential outpatient treatments.<\/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 <\/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><\/tr>\n<\/thead>\n
<\/td>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
<\/td>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_1581452363720{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

**Excludes Venezuela.<\/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 doctors and hospitals<\/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 up to US$2,000 per day for a standard room and up to US$4,000 per day for intensive care
\u2022 Emergency medical treatment will be covered at 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-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
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Standard private\/semi-private hospital room<\/td>\u2022 100% UCR
\u2022 Outside of the USA Special Network\u00ae: US$2,000 per day<\/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>\u2022 100% UCR
\u2022 Outside of the USA Special Network\u00ae: US$4,000 per day<\/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 expenses of a hospitalized insured under 18 years old<\/td>US$175 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
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<\/td>100% UCR<\/td> <\/tr>\n
Laboratory tests and X-rays<\/td>100% UCR<\/td> <\/tr>\n
Oncology: treatment (chemotherapy and\/or 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 per lifetime
Includes US$60,000 benefit for expenses of the live donor<\/td> <\/tr>\n
HIV\/AIDS treatment<\/td>US$50,000 (if admitted as an inpatient and after a 12-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$10,000 per lifetime (after a 24-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=”Outpatient Benefits” 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
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Emergency room care for an emergency or serious accident only in Latin America<\/td>100% UCR<\/td> <\/tr>\n
Oncology: tests, treatment (chemotherapy and\/or radiotherapy) and medication<\/td>100% UCR<\/td> <\/tr>\n
Diagnostic study services (pathology, X-rays, MRI\/CT\/PET scans, etc.) Pre-surgical testing only. Pre-authorization required<\/td>US$15,000<\/td> <\/tr>\n
Dialysis services<\/td>100% UCR<\/td> <\/tr>\n
Physician visits for pre-hospitalization and as a follow up to a covered hospitalization<\/td>US$6,000 for up to 10 months from the date of discharge<\/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 <\/tbody>\n <\/table>\n \n \n \n<\/div>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Other Benefits” tab_id=”1562174754546-ce0305b0-89b2d437-538c”][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
Description<\/th>Coverage<\/th><\/tr>\n<\/thead>\n
Durable medical equipment<\/td>100% UCR (as follow-up care to a covered hospitalization)<\/td> <\/tr>\n
Surgical treatment of symptomatic foot disorders<\/td>100% UCR (after a 24-month waiting period)<\/td> <\/tr>\n
Gene therapy<\/td>US$1,000,000<\/td> <\/tr>\n
Reconstructive surgery after an accident or illness<\/td>Up to the maximum benefit<\/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 - Ground ambulance<\/td>100% UCR, no deductible applies (if admitted immediately as an inpatient)<\/td> <\/tr>\n
Emergency transportation - 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 or cremation of mortal remains<\/td>US$25,000<\/td> <\/tr>\n
Treatment for injuries during the training or practice of hazardous hobbies and\/or non-professional sports<\/td>100% UCR<\/td> <\/tr>\n
Temporary coverage for accidents while application is being underwritten<\/td>US$30,000<\/td> <\/tr>\n
Elimination\/reduction of the policy deductible for not meeting the deductible during the last 3 years<\/td>Options I & II:
\u2022 Elimination for 1 year after the 3rd year if the deductible was not met in any of the years

Options III, 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<\/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_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

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