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VUMI: Top Thailand Insurance Provider For Expats

As an expatriate looking for comprehensive insurance coverage in Thailand, it won’t be long before you come across VUMI. Along with being internationally recognized in the insurance industry, VUMI is one of Thailand’s leading insurers for expatriates and their families. 

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One of the first things that expats moving to Thailand need to consider is health insurance. Medical costs can quickly add up, especially in Thailand’s private hospitals (which expats tend to prefer). That means you’ll have to pay for the hospital bill out of pocket without a comprehensive plan. 

From the benefits of VUMI health insurance plans and the different ones they offer to eligibility and more, this Pacific Prime article covers one of the top 11 insurance companies in Thailand for expats and travelers to help you narrow down your options. 

Are you ready to buy international health insurance in Thailand? Our plan comparison tool makes it easy to weigh up options for leading insurers like VUMI. We also have a helpful article on the best places to live in Thailand for expats if you’re looking for inspiration on where to call home. 

VUMI: Thailand Insurance Provider Introduced For Expats

Founded in 2012, VUMI (VIP Universal Medical Insurance Group) is an international health insurance provider that offers exclusive health insurance products to expats across the globe. VUMI boasts a wide array of plans that provide its policyholders with a holistic approach to global medical care. 

Couple Strolling Ko Samui, Thailand

VUMI is headquartered in Dallas, Texas, and has offices in key global locations such as the US, Latin America, Canada, and the UAE. The privately owned insurer is part of a global healthcare group with more than 35 years of healthcare management industry experience. 

Key Benefits of VUMI International Health Insurance Plans 

  • Competitively priced and benefit-rich plans
  • A comprehensive network of healthcare providers and domestic/international hospitals with direct billing
  • Unrivaled hospital discounts
  • In-house administration with exceptional service
  • Exclusive second medical opinion service included 
  • Product flexibility (e.g. benefits, multiple risk management options, geographical scope of coverage) 

Why Expats Choose VUMI for Health Insurance in Thailand 

  • Over 35 years of healthcare management industry experience
  • 24/7 worldwide medical assistance service in multiple languages
  • Personal plan management via the online MyVUMI app and portal 
  • Extensive experience in international claims management 

VUMI offers international health insurance with global coverage, including Thailand, and benefits like free second medical opinions. The insurer also stands out as a leading insurance provider for expats in Thailand with its numerous advantages, such as around-the-clock medical assistance.

VUMI Health Insurance In Thailand For Expats

VUMI offers a wide array of flexible health insurance plans tailored to the needs of expatriates and their families. From Global Flex VIP Basic to Global Flex VIP Total, the insurer offers five main individual health plans for coverage in Thailand. 

Pileh Cove Near Phuket, Thailand

Before diving into the benefits of each type of Thailand health insurance plan VUMI has to offer, it’s important to note that the benefits mentioned below are offered on a per insured/per policy year basis in which the selected deductible or outpatient per visit excess or co-insurance applies. 

Global Flex VIP Total

VUMI’s Global Flex VIP Total is a comprehensive plan that offers great benefits and your  choice of medical providers. It provides USD $5 million maximum coverage with 12 deductible options, ranging from USD $0 to 30% outpatient coinsurance up to a maximum out-of-pocket amount of USD $6,000. 

Table of Benefits 

Description

Coverage

Maximum coverage per person, per policy year USD $5 million
Age limit to apply Up to 74 years
Geographical cover options Worldwide including USA elective treatment, Worldwide excluding USA, Asia (including Thailand), Africa, and the Indian sub-continent area

 

Waiting Periods

Description

Coverage
HIV-AIDS 36 months
Maternity and newborn complications 12 months
Maternity care 12 months

Global Flex VIP Ultra

If you’re looking for a robust health insurance plan with superior benefits, as well as free selection of medical providers, VUMI’s Global Flex VIP Ultra could be a good fit. Policyholders get up to USD $4.5 million in coverage, with a range of deductible options for you to choose from. 

Table of Benefits 

Description

Coverage

Maximum coverage per person, per policy year USD $4.5 million
Age limit to apply Up to 74 years
Geographical cover options Worldwide including USA elective treatment, Worldwide excluding USA, Asia (including Thailand), Africa, and the Indian sub-continent area

 

Waiting Periods

Description

Coverage
Dental 9 months
HIV-AIDS 36 months
Maternity and newborn complications 12 months
Maternity care 12 months

Global Flex VIP Superior

Those seeking a well-rounded health insurance plan with excellent benefits and a wide selection of healthcare providers can opt for VUMI’s Global Flex VIP Superior plan. This plan offers up to USD $4 million in coverage and many deductible options ranging from USD $0 to USD $6,000 out-of-pocket maximum. 

Table of Benefits 

Description

Coverage

Maximum coverage per person, per policy year USD $4 million
Age limit to apply Up to 74 years
Geographical cover options Worldwide including USA elective treatment, Worldwide excluding USA, Asia (including Thailand), Africa, and the Indian sub-continent area

 

Waiting Periods

Description

Coverage
HIV-AIDS 36 months
Maternity and newborn complications 12 months
Maternity care 12 months

Global Flex VIP Standard

Offering up to USD $3.5 million in coverage, VUMI’s Global Flex VIP Standard plan comes with plenty of benefits. Plus, policyholders can go to their medical provider of choice. There are 12 deductible options to choose from, including up to 30% outpatient coinsurance. 

Table of Benefits 

Description

Coverage

Maximum coverage per person, per policy year USD $3.5 million
Age limit to apply Up to 74 years
Geographical cover options Worldwide including USA elective treatment, Worldwide excluding USA, Asia (including Thailand), Africa, and the Indian sub-continent area

 

Waiting Periods

Description

Coverage
HIV-AIDS 36 months
Maternity and newborn complications 12 months

Global Flex VIP Basic

If basic coverage is all you’re after, VUMI’s Global Flex VIP Basic plan could suffice. This plan offers a maximum coverage of USD $3 million per person per policy year. It also gives you several deductible options to choose from, ranging from USD $0 to USD $20,000. 

Table of Benefits 

Description

Coverage

Maximum coverage per person, per policy year USD $3 million
Age limit to apply Up to 74 years
Geographical cover options Worldwide including USA elective treatment, Worldwide excluding USA, Asia (including Thailand), Africa, and the Indian sub-continent area

 

Waiting Periods

Description

Coverage
HIV-AIDS 36 months
Maternity and newborn complications 12 months

Why You Should Buy Insurance Through A Broker

With so many insurance plans and providers to choose from, narrowing down your options can be daunting and time-consuming without the help of an insurance broker. While you can buy a plan straight from an insurer or an agent, a reputable broker gives impartial advice for optimal plan selection. 

Riverboat Ride, Daytime In Thailand

Working with an insurance broker specialized in Thailand, such as Pacific Prime Thailand, brings unique advantages that are ideal for the needs of expats, including local expertise, tailored advice, and ongoing support. 

Local expertise and plan customization 

Insurance brokers know the ins and outs of local regulations, coverage options, and insurance providers. They provide personalized advice based on factors such as your age, health status, and lifestyle to ensure you get suitable coverage without paying more than you need to. 

Simple process and a broad range of options

The last thing you want to worry about when relocating to Thailand is dreaded paperwork. Fortunately, working with an insurance broker takes the overwhelming amount of insurance paperwork – and the stress that comes with it – out of your hands as they take care of all the administrative work. 

Ongoing support 

An expat’s life often involves change, which means your insurance needs may also evolve over time. Insurance brokers can offer assistance whenever you need it, whether you need help with adjusting your policy, making claims, and more. The ongoing support brokers provide ensures you stay protected. 

By providing expertise, plan customization, plenty of options, and ongoing support, insurance brokers essentially make the entire insurance plan selection and management that much easier. That’s why many expats turn to Pacific Prime whether they’re headed to Thailand or anywhere else in the world. 

Tips For Selecting VUMI Health Insurance As An Expat In Thailand 

From evaluating your needs to plan flexibility and more, there are several things to keep in mind when considering VUMI as your insurer. Buying health insurance as an expat in Thailand is an imperative step to ensure optimal health and well-being, as well as give you peace of mind.

Ratchaprasong District, Bangkok Center

  • Evaluate your medical needs: Different policies provide different levels of coverage, so opt for one that best aligns with your unique requirements. 
  • Network of providers: Make sure the plan you choose covers the hospitals that you prefer to use, especially in the areas of Thailand you’ll spend the most time in. 
  • Plan flexibility: Carefully review the benefits, deductibles, and exclusions for each plan’s benefits to find the optimal plan for your needs. 
  • Claim process: Become familiar with VUMI’s claim submission process or, better yet, work with an insurance broker who takes care of claims procedures for you. 
  • Global coverage: If you travel often or plan to visit home on a regular basis, the VUMI plan you choose should provide international coverage. 
  • Get advice: It’s helpful to read reviews and testimonials from expats who have taken out a VUMI health insurance plan in Thailand. An insurance broker can also offer impartial advice and offer valuable insights. 

Frequently Asked Questions

How much does health insurance for expats cost in Thailand? 

In Thailand, expat health insurance costs approximately USD $2,000 per year while family health insurance costs around USD $10,000. Note that this is just the average and factors like age and pre-existing conditions can make your policy price higher or lower than these estimates. 

Can foreigners buy health insurance in Thailand? 

Expats can buy international health insurance for Thailand, otherwise known as expat medical insurance, from a reputable insurance broker like Pacific Prime. While you can also buy health insurance in Thailand through an insurance provider or agent, only a broker will compare all your options. 

Is health insurance necessary when staying in Thailand? 

Some visas, such as the long-stay non-immigrant O-A visa, require foreigners to show evidence of a health insurance policy. The coverage amount and exact requirements depend on the type of Thai visa. Regardless of whether it’s a short or long stay, health insurance in Thailand is highly advisable. 

How much does a doctor’s visit cost in Thailand? 

A GP consultation in a private medical facility in Thailand can cost anywhere from USD $22 to USD $47. The cost of visiting a doctor in Thailand varies according to the type of healthcare facility you choose – with private hospitals and clinics costing more than their public counterpart. 

Conclusion

VUMI stands out as one of the best choices for expats looking for comprehensive insurance coverage in Thailand. The insurer offers a broad selection of health insurance plans catered to the needs of expats and their families so they can access quality medical care globally. 

VUMI’s benefits, such as competitive pricing, an extensive network of healthcare providers, and outstanding service, make them an insurer of choice for many expats in Thailand. If you’re looking to secure a VUMI health insurance plan, our free plan comparison tool makes it easy to weigh your options. 

To make the health insurance plan comparison process even easier, check out our online quotation tool tutorial so you can get started right away. Navigating the complexities of insurance plans and providers can be both overwhelming and tedious, which is why many expats turn to our broker expertise. 

Through personalized advice, streamlined processes, and ongoing support, a reputable insurance broker like ours makes the entire insurance journey as smooth and stress-free as possible for expats. 

Whether you’re comparing plans from VUMI, AXA PPP, AIA, or other insurers, Pacific Prime can help you get the coverage you need without the hassle. Contact us today for impartial insurance advice and find out why we are the insurance broker of choice for expats in Thailand and around the world. 

Not sure if VUMI is the right fit for you? Fret not! Check out this article on the top 11 insurance companies in Thailand for expats and travelers for an overview of your options. 

Senior Copywriter at Pacific Prime
Jantra Jacobs is a Senior Copywriter at Pacific Prime with over 10 years of writing and editing experience. She writes and edits a diverse variety of online and offline copy, including sales and marketing materials ranging from articles and advertising copy to reports, guides, RFPs, and more.

Jantra curates and reports on the results of Pacific Prime’s monthly newsletters, as well as manages Pacific Prime’s Deputy Global CEO’s LinkedIn posts. Complemented by her background in business writing, Jantra’s passion for health, insurance, and employee benefits helps her create engaging content - no matter how complex the subject is.

Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.
Jantra Jacobs