La Regional | VUMI Universal VIP
Type of plan
Universal VIP
Maximum coverage per insured
US$5,000,000 per policy year
Age limit to apply
75
Waiting period
30 days
Coverage outside USA
100% worldwide without restrictions of doctors and hospitals
Coverage inside USA
100% without restrictions of doctors and hospitals
Inpatient Benefits
Standard private hospital room
100%
Special benefit for suite
US$2,000 per day within the USA Special Network
Intensive care unit
100%
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• US$350 per night, max. of 30 nights
• US$350 per night, max. of 30 nights
Prescribed medications while hospitalized
100%
Psychiatric treatments
N/A
Outpatient Benefits
Emergency room
100%
Physician and specialist visits
100%
Physician and specialist home visits
100%
Prescribed medications
100%
Complementary therapy
Chiropractor, psychologist, psychiatrist, osteopathy and/or acupuncture
• US$2,500 all therapies combined
• US$2,500 all therapies combined
Nurse care at home
100%
Preventive health checkup
No deductible applies, after a 10-month waiting period
Options I & II
• US$150 up 17 years old
• US$350 from 18 years and older
Options III, IV & V
• US$100 all ages
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures and/or vaccinations
Options I & II
• US$150 up 17 years old
• US$350 from 18 years and older
Options III, IV & V
• US$100 all ages
This benefit includes coverage for nutritionist, smoking cessation treatments, physical evaluations, diagnostic procedures and/or vaccinations
Hearing aids
US$2,000 per lifetime
Alzheimer’s disease
US$10,000
Autism
Included in the specialized treatments benefit
Outpatient surgery
100%
Hormone replacement therapy to relieve the symptoms of menopause
N/A
General Benefits
Surgeon and anesthesiologist fees
100%
Diagnostic study services
Laboratory tests, pathology, X-rays, MRI/CT/PET scans
• 100%
• 100%
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100%
Dialysis
100%
Surgery to reduce the risk of cancer or prophylactic surgery
US$25,000 per lifetime, after a 12-month waiting period
Prostheses and medical appliances implanted during surgery
100%
Organ and tissue transplant
Per organ/tissue
• US$1,100,000 per lifetime
• US$1,100,000 per lifetime
Benefits for live donors
US$60,000 per lifetime, included in the organ transplant benefit
Durable medical equipment
100%
Allergy treatments
N/A
Physical therapy and rehabilitation
100%
Specialized treatments
Autism, occupational therapist, sleep apnea and other sleep disorders
• US$3,000
• US$3,000
Congenital conditions diagnosed before age 18
US$2,000,000 per lifetime
Congenital conditions diagnosed after age 18
100%
HIV-AIDS
US$700,000 per lifetime, after a 24-month waiting period
Surgical treatment of symptomatic foot disorders
100% after a 24-month waiting period
Psychology
Included in the complementary therapy benefit, outpatient only
Mental health prescription medication
N/A
Maternity Benefits
Maternity
No deductible applies, after a 10-month waiting period
Options I, II & III
• US$7,000 per pregnancy, outside the Special Maternity Network
• US$8,500 per pregnancy, inside the Special Maternity Network
Options I, II & III
• US$7,000 per pregnancy, outside the Special Maternity Network
• US$8,500 per pregnancy, inside the Special Maternity Network
Maternity and newborn complications
No deductible applies, after a 10-month waiting period
Options I & II
• US$1,000,000 per covered pregnancy, per lifetime
After a 10-month waiting period
Option III
• US$500,000 per covered pregnancy, per lifetime (with optional rider)
Options I & II
• US$1,000,000 per covered pregnancy, per lifetime
After a 10-month waiting period
Option III
• US$500,000 per covered pregnancy, per lifetime (with optional rider)
Inclusion of the newborn
Options I, II & III
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
• Without underwriting if born from a covered maternity as long as the newborn is added to the policy within 90 days of birth
Extraction and storage of umbilical cord blood stem cells
Options I & II
• US$1,000 per covered pregnancy for extraction and storage for 1 year
• US$1,000 per covered pregnancy for extraction and storage for 1 year
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
Options I, II & III
• Included in the maternity and newborn complications benefit
• Included in the maternity and newborn complications benefit
Pre-natal and post-natal care
Options I, II & III
• Included in the maternity benefit, up to US$7,000 combined
• Included in the maternity benefit, up to US$7,000 combined
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% no deductible applies
Emergency transportation by air ambulance
100% no deductible applies
Insured’s and companion’s return ticket after an evacuation by air ambulance
US$1,000
Repatriation of mortal remains
100%
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
100%
Injuries during the training or practice of professional sports
US$500,000
Emergency dental coverage
100% for treatment within the first 180 days of the covered accident
Reconstructive surgery after an accident or illness
100% if medically necessary and as a result of a medical condition covered by the policy
Refractive eye surgery
N/A
Palliative care for terminal cases
100%
Temporary coverage for accidents while application is being underwritten
US$30,000
Free extended coverage for eligible dependents after policyholder’s death
2 years if occurs from a covered event
Free coverage for dependents
Options I & II
• Up to 5 years old, max. of 2 children born from a covered maternity
• Up to 5 years old, max. of 2 children born from a covered maternity
Deductible elimination/reduction for no claims made
Options I, II & III
• Elimination for 1 policy year after the end of the 3rd year without claims
Options IV & V
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
• Elimination for 1 policy year after the end of the 3rd year without claims
Options IV & V
• Reduction of up to 50% for 1 policy year after the end of the 3rd year without claims
Deductible elimination
Elimination of deductible for the first medical treatment in an emergency room, hospital or emergency facility within 24 hours after a serious accident
Second medical opinion
Included
Prosthetic limbs
N/A
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
N/A
Declared pre-existing conditions
Covered when disclosed in the application, benefit will be previously evaluated
Catastrophic and chronic illnesses that survive the contracting of the service
N/A
Catastrophic and unusual conditions
N/A
Medical emergency
100%
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
VIP Patient Concierge Services
Travel assistance
N/A
Hospital cash benefit
N/A
Optional additional benefits
Evacuation to country of choice, country of residence or home country
N/A
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A