EURO HEALTH VIP
PREMIER PLAN
WHY CHOOSE
PREMIER PLAN
Euro Health VIP Premier Plan delivers our most comprehensive level of cover, designed for individuals and families who value complete peace of mind, flexibility, and first-class medical care. With up to EUR 5.000.000 in annual benefits, it offers protection options across Europe, worldwide (excluding the U.S.), or worldwide with limited emergency cover outside the chosen region.
Enjoy access to an extensive global network of leading hospitals and specialists, 24/7 multilingual assistance, and exclusive VIP Medical Services® such as Global Telemedicine and Second Medical Opinion VIP®. Premier Plan benefits include broad inpatient and outpatient care, advanced treatments such as oncology and gene therapy, preventive health checkups, and both routine and major dental and optical coverage, along with worldwide medical evacuation services.
With multiple deductible options, guaranteed lifetime renewals, and the ability to add maternity cover that includes birth complications, VUMI® Europe’s Premier Plan combines unmatched protection with maximum flexibility − ensuring you and your loved ones receive exceptional care anytime, anywhere in the world.
DEDUCTIBLE OPTIONS*
| OPTION I | OPTION II | OPTION III | OPTION IV |
|---|---|---|---|
| EUR 0 | EUR 2.500 | EUR 5.000 | EUR 10.000 |
*Only one (1) deductible per person, per policy year applies. For family policies, a maximum of two (2) deductibles accumulated per policy, per policy year will be applied. For more information, please refer to the Conditions of Cover of the policy.
TABLE OF BENEFITS
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General plan
Information -
Inpatient
Benefits -
Outpatient
Benefits -
General
Benefits -
Other
Benefits -
Medical
Evacuation Benefits -
Maternity
Benefits Rider -
Waiting
Periods
| Description | Cover |
|---|---|
| Maximum cover per person, per policy year | EUR 5.000.000 |
| Age limit to apply | Up to 75 years of age |
| Geographical cover options | The policyholder can choose geographical area of cover restrictions as follows: Any treatment received outside the geographic area of cover is limited to the emergency non-elective treatment benefit. • Area 1: European Union • Area 2: Worldwide excluding USA • Area 3: Worldwide |
| Payment frequency options | • Annual • Semi-annual • Quarterly |
| Description | Cover |
|---|---|
| Standard private room (room and board) | 100% UCR |
| Adult companion accommodation expenses of a hospitalized insured under 18 years of age | 100% UCR |
| Same-day treatment | 100% UCR |
| Prescription drugs | 100% UCR |
| Psychiatric treatment | 100% UCR max. of 30 days |
| Inpatient prescribed medical rehabilitation | 100% UCR max. of 60 days per medical condition |
| Description | Cover |
|---|---|
| Overall outpatient maximum cover | Up to policy max. |
| Outpatient prescription drugs | 100% UCR |
| Nurse care or therapist services at home | 100% UCR max. of 120 days |
| Outpatient prescribed medical rehabilitation | 100% UCR max. of 60 days per medical condition |
| Physiotherapy, chiropractic and osteopathy treatments, up to | EUR 1.000 max. of 10 sessions |
| Psychotherapy, up to | EUR 1.000 max. of 10 sessions |
| Psychiatric treatment, up to | EUR 7.500 |
| Complementary therapy: homeopathy, Traditional Chinese Medicine (TCM), ayurvedic and acupuncture treatment, up to | EUR 1.000 max. of 10 sessions |
| Routine management of pre-existing conditions | 100% UCR when declared in application |
| Hormone replacement therapy to relieve the symptoms of menopause, up to | EUR 350 |
| Travel vaccinations, up to | EUR 350 |
(THE FOLLOWING BENEFITS OFFER THE SAME COVER FOR BOTH INPATIENT AND OUTPATIENT PROCEDURES)
| Description | Cover |
|---|---|
| Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans) | 100% UCR |
| General practitioner and specialist fees | 100% UCR |
| Surgical procedures | 100% UCR |
| Oncology treatments (cancer tests, drugs and treatment) | 100% UCR |
| Gene therapies, up to | EUR 500.000 |
| Reconstructive surgery | 100% UCR |
| Renal failure and dialysis | 100% UCR |
| Durable medical equipment | 100% UCR |
| External prostheses, up to | EUR 2,000 |
| Organ transplant | 100% UCR Up to EUR 50.000 per organ/tissue, per lifetime for donor costs |
| Congenital and hereditary conditions, up to | EUR 200.000 per lifetime |
| HIV-AIDS treatment, up to | EUR 50.000 |
| Terminal illness / palliative care, up to | EUR 125.000 per lifetime |
| Description | Cover |
|---|---|
| Preventive health check-up, up to | EUR 700, no deductible applies |
| Colon cancer screening, up to | EUR 1.000 every 10 years for insureds 45+ years of age |
| Mammography, up to | EUR 300 for insureds 40+ years of age |
| Pap smear, up to | EUR 200, once every 3 years for insureds 21-65 years of age |
| Prostate cancer screening, up to | EUR 400 for insureds 50+ years of age |
| Emergency dental treatment | 100% UCR |
| Routine dental treatment, up to | EUR 800, 20% coinsurance |
| Major dental treatment, up to | EUR 2.500, 20% coinsurance |
| Optical, up to | EUR 700, 20% coinsurance |
| Emergency non-elective treatment outside the geographical area of cover, up to | • 100% UCR for injuries • EUR 50.000 for illnesses, max. of 30 days • EUR 500 for outpatient hospital visits |
| Hospital cash benefit, up to | EUR 450 per night, max. of 30 nights |
| Passive war and terrorism | 100% UCR |
| USA elective treatment (only available for insureds who chose the Worldwide geographical area of cover), up to | EUR 1.500.000 |
| VIP Medical Services® | • Second Medical Opinion VIP®: access to the medical opinion of internationally renowned experts from around the world regarding a condition (no deductible applies) • Global Telemedicine |
| Description | Cover |
|---|---|
| Emergency transportation by air ambulance & emergency medical evacuation | 100% UCR |
| Emergency transportation by ground ambulance | 100% UCR |
| Non-emergency evacuation, up to | EUR 2.500 |
| Repatriation or cremation of mortal remains | 100% UCR |
(OFFERED AS A SEPARATE ELECTIVE RIDER WITH TWO OPTIONS)
| Description | Cover |
|---|---|
| Option I | • Maternity care: EUR 5.000• Maternity and birth complications: EUR 50.000 |
| Option II | • Maternity care: EUR 9.000• Maternity and birth complications: EUR 90.000 |
*Only available for Deductible Option I (EUR 0) and Option II (EUR 2,500)
| Description | Period |
|---|---|
| Dental | 6 months |
| Optical | 6 months |
| HIV-AIDS | 36 months |
| Maternity benefits (if the rider has been acquired) | 12 months |
KEY DIFFERENCES IN THE PREMIER PLAN
Highest Annual Cover
Up to EUR 5.000.000 per insured
Extensive Benefits
Comprehensive inpatient and outpatient benefits, including advanced therapies and treatments
Wellness and VIP
Medical Services®
Preventive care, optical, and routine and major dental cover, as well as Global Telemedicine and Second Medical Opinion VIP®
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