Health Plan

Special VIP

VUMI is pleased to present our Special VIP plan.

Among some innovative and outstanding benefits are:

  • Deductible elimination after the third year without claims.
  • Deductible elimination in case of a serious accident.
  • Adult companion accommodation for a hospitalized child.
  • Podiatric treatments coverage (feet).
  • The most complete coverage for maternity, nurse care at home, physical therapy and rehabilitation.
  • Extensive coverage for air ambulance and congenital conditions.
  • A broad network of hospitals worldwide with first class institutions.
  • Support and recommendation for the best institutional program with the best group of specialists around the world for your diagnosis and treatment.
  • The most extensive coverage for prescribed medications.
DESCRIPTION COVERAGE
Maximum coverage per person per Policy Year.
  • US$2,000,000
Age limit to apply
  • 75
Waiting Period
  • 30 days
Coverage outside USA
  • 100% with free choice of Hospitals and Doctors
Coverage inside USA
  • 100% through the ‘USA Special Network’
  • Outside the ‘USA Special Network’ the coverage will be at 60%, with a maximum daily room rate of US$700 for a Standard Room and US$1,400 for intensive care.
  • Emergency medical treatment will be covered 100% up to the Policy limits
Adult companion accommodation (related to a hospitalization of a child under age 18)
  • US$150 per night, max. 30 nights
Surgeon and Anesthesiologist Fees
  • 100%
Prescribed Medications while in a Hospital
  • 100%
Laboratory tests and X-rays
  • 100%
Cancer tests, Medication and Treatment
  • 100%
Cancer treatment (chemotherapy and radiotherapy)
  • 100%
Surgery to reduce the risk of cancer or prophylactic surgery (per Lifetime)
  • US$ 20,000 (after a 12-month Waiting Period)
Dialysis
  • 100%
Prostheses and medical appliances implanted during surgery
  • 100%
Organ Transplant (per Lifetime)
  • US$500,000 (with Rider)
Benefits for live donors
  • US$30,000 (with rider)
Physicians and Specialist visits
  • 100%
Outpatient Prescription Medication
  • US$7,500
Diagnostic study services

(pathology, X-rays, MRI/CT/PET scans, etc.)

  • 100%
Physical therapy and rehabilitation
  • US$10,000
Nurse care at home
  • US$7,000
Durable Medical Equipment
  • US$7,000
Hearing aids (per Lifetime)
  • US$1,000
Emergency transportation by Air Ambulance
  • US$60,000, no Deductible applies
Emergency transportation by Ground Ambulance
  • 100%, no Deductible applies
Congenital Conditions diagnosed before age 18 (per Lifetime)
  • US$300,000
Congenital Conditions diagnosed after age 18 (per Lifetime)
  • US$1,000,000
Hazardous Hobbies and Sports (non-professional)
  • US$250,000
Emergency Dental coverage
  • 100% for the first 90 days
Preventive Health Check-up per Insured (options I & II) – no Deductible
  • US$ 100 up to 17 years old
  • US$ 150 at 18 years and older (after a 10-month Waiting Period)
HIV-AIDS (per Lifetime)
  • US$ 250,000 (after a 48-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
  • US$20,000
Palliative Care for terminal cases
  • 100%
Specialized treatments (autism, Alzheimer’s, sleep apnea and other sleep disorders)
  • US$ 2,000 per Policy year
Temporary coverage for Accidents while Application is being underwritten
  • US$30,000
Free extended coverage for eligible Dependents after Policyholder’s death
  • 1 year
Surgical treatment of symptomatic foot disorders
  • US$10,000 (after 24-month Waiting Period)
Maternity (options I & II)
  • US$4,000
Maternity and Birth Complications
  • US$500,000 (with Rider)
Inclusion of the newborn (options I & II)
  • Without underwriting if born from a Covered Maternity
Deductible elimination/reduction for no claims made
  • Elimination for 1 year, after the 3rd year without claims (options I & II)
  • Reduction of up to US$ 2,000 for 1 year after the 3rd year without claims (options III, IV & V)
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

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