Health Plan


 Absolute VIP

Absolute VIP is VUMI’s most unique plan.  It provides unparalleled coverage and a VIP service that we are confident will exceed your expectations.

Among some innovative and outstanding benefits are:

  • Deductible elimination after the third year without claims.
  • Deductible elimination in a case of a serious accident.
  • Adult companion accommodation for a hospitalized child.
  • Podiatry treatments coverage (feet).
  • The most complete coverage for maternity, nurse care at home, physical therapy and rehabilitation.
  • 100% air ambulance coverage, without deductible, and the most extensive coverage for congenital conditions.
  • Open election of doctors and hospitals worldwide.
  • Support and recommendation for the best institutional programs with the best group of specialists around the world for your diagnosis and treatment.
  • Complementary therapies (chiropractic, psychiatric, speech therapy, etc).
  • Specialized treatments (autism, Alzheimer’s, sleep apnea, etc.)
  • Annual preventive health check-up without deductible.
  • Bariatric surgery coverage.
  • Complementary therapies (Podiatry, Chiropractic, Psychiatric, etc.).
  • Annual preventive health checkup without deductible.
  • Bariatic surgery coverage.
Maximum coverage per person per Policy Year
  • Unlimited
Age limit to apply
  • 75
Waiting period
  • 30 days
Geographical coverage
  • Worldwide without restrictions of Doctors and Hospitals
Standard Private Hospital Room
  • 100%
Special benefit for Suite**
  • Up to US$3,000 per day
Intensive care unit
  • 100%
Adult companion accommodation (related to a hospitalization of a child under age 18)
  • 100%
Surgeon and Anesthetists fees
  • 100%
Prescribed Medications while in a Hospital
  • 100%
Laboratory tests and X-rays
  • 100%
Cancer tests, Medication and Treatment
  • 100%
Cancer treatment (chemotherapy and radiotherapy)
  • 100%
Surgery to reduce the risk of cancer or prophylactic surgery (per Lifetime)
  • US$ 30,000 (after a 12-month Waiting Period)
  • 100%
Prostheses and medical appliances implanted during surgery
  • 100%
Organ Transplant (per organ/tissue, per Lifetime)
  • US$ 2,100,000
Benefits for Live Donors
  • US$80,000
Physicians and specialist visits
  • 100%
Outpatient Prescription Medication
  • 100%
Diagnostic study services (pathology, X-rays, MRI/CT/PET scans, etc.)
  • 100%
Physical therapy and rehabilitation
  • 100%
Nurse care at home
  • 100%
Durable Medical Equipment
  • 100%
Hearing aids (per Lifetime)
  • US$ 3,000
Emergency transportation by Air Ambulance
  • 100%, no Deductible applies
Emergency transportation by Ground Ambulance
  • 100%, no Deductible applies
Congenital Conditions diagnosed before age 18 (per Lifetime)
  • US$ 2,000,000
Congenital Conditions diagnosed after age 18
  • 100%
Hazardous Hobbies and Professional Sports
  • 100%
Emergency dental coverage
  • 100% per the first 180 days
Preventive Health Check-up per Insured (options I & II) – no Deductible
  • US$ 300 up to 6 visits from 0 to 12 months of age
  • US$ 400 from 12 months of age and older
HIV-AIDS (per Lifetime)
  • US$ 1,000,000 (after a 24-month Waiting Period)
Sexually transmitted diseases and its complications with the exception of the Human Papiloma Virus (HPV) and Genital Herpes
  • 100%
Repatriation of mortal remains
  • 100%
Palliative care for terminal cases
  • 100%
Complementary Therapy: chiropractor, psychologist, psychiatrist
  • 100% up to 20 visits
Specialized treatments (autism, Alzheimer’s, sleep apnea and other sleep disorders)
  • US$ 4,000 per Policy Year
Temporary coverage for Accidents while Application is being underwritten
  • US$50,000
Free extended coverage for eligible dependents after Policyholder’s death
  • 2 years
Surgical treatment of symptomatic foot disorders
  • 100% (after 24-month Waiting Period)
Bariatic Surgery (per Lifetime)
  • US$15,000 (after a 24-month Waiting Period within special network)
Maternity (options I, II & III)
  • 100% normal delivery in a Hospital within the Special Maternity Network, no Deductible applies.
  • US$8,000 for normal delivery in Hospitals outside the Special Maternity Network, no Deductible applies.
  • US$10,000 for cesarean delivery whether or not the Hospital is within the Special Maternity Network, no Deductible applies.
Extraction and storage of Stem Cells (options I, II & III)
  • US$ 2,000 per covered pregnancy, no Deductible applies
Maternity and Newborn Complications

(options I, II & III)

  • US$1,000,000 (per Lifetime)
Inclusion of the Newborn (options I, II & III)
  • Without underwriting if born from a Covered Maternity
Free coverage for Dependents
  • Up to 10 years old, max. 2 children per Policy
Deductible elimination / reduction for

no claims made

  • Elimination for 1 year, after the 3rd year without claims (options I, II & III)
  • Reduction of up to US$ 3,000 for 1 year after the 3rd year without claims (options IV, V & VI)
Second medical opinion VIP
  • Access to the medical opinion of more than 50,000 renowned experts worldwide regarding a medical condition, without Deductible.

Effective July 2015

** When Insured selects a Hospital from the ‘USA Special Network’

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