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VIP Universal Medical Insurance Group (VUMI)

VIP Universal Medical Insurance (VUMI) Group offers international health insurance for individuals and corporations as well as travel insurance plans.

VUMI has international health insurance options for expatriates, corporations, and travelers. VUMI’s VIP medical services are available to private and corporate policyholders. The insurance company has more than 35 years of experience offering outstanding customer service.

VUMI Expat, Corporate, & Travel Medical Insurance

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VIP Universal Medical Insurance Group (VUMI) sells international health and life insurance policies for individuals and corporations. VUMI also offers travel insurance policies with comprehensive medical coverage.

Expat health insurance plans through VUMI have options available for maternity, routine dental, and optical coverage. There are five different plans, so expats are free to choose the level of coverage that best suits them.

Life and Health Insurance plans are available for companies with at least 10 full-time employees. Business organizations and corporations will love the custom plans available through VUMI.

VUMI offers single-trip and annual travel insurance policies with comprehensive medical coverage. Additional riders are available for non-medical benefits and trip cancellation.

VUMI Global Flex VIP Plans for Expats

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Vumi offers its Global Flex VIP plans to meet the needs of expats. These Global Flex plans have five different tiers that range from basic to more comprehensive levels of coverage. VUMI is also well-known for its expat maternity insurance, which is included in three of its Global Flex plans.

Some special conditions that expats applying for VUMI will need to know:

  • Applicants must be aged 74 years or younger to be eligible for one of VUMI’s Global Flex VIP plans.
  • Declared pre-existing conditions may be covered with VUMI’s Global Flex VIP plans. This benefit will be evaluated during underwriting.
  • HIV-AIDS may be covered by VUMI’s Global Flex VIP Plans after a 36-month waiting period with a benefit limit of up to USD $50,000.
  • Routine maternity coverage has a 12-month waiting period through VUMI’s applicable Global Flex VIP Plans.
  • Injuries that occur while training or practicing hazardous sports and hobbies are excluded from coverage.

The following table compares the annual benefit limit of each expat health insurance plan available through VUMI.

Comparison of VUMI Global Flex VIP Plans Annual Benefit Limits
Global Flex VIP Plan Annual Benefit Limit (USD)
Basic $3,000,000
Standard $3,500,000
Superior $4,000,000
Ultra $4,500,000
Total $5,000,000

All VUMI Global Flex VIP Plans include the following inpatient benefits:

  • Standard private hospital room fully covered
  • Fully covered intensive care unit stays
  • Accommodations for an adult accompanying an insured child under age 18 during the child’s hospitalization
  • Medications prescribed while in the hospital are fully covered
  • Psychiatric treatments are fully covered for up to 30 days

The following benefits are fully covered with VUMI’s Global Flex Plans whether the services are received inpatient or outpatient:

  • Surgeon and anesthesiologist expenses
  • Diagnostic laboratory tests and pathology
  • Diagnostic imaging: x-rays, MRI, CT & PET scans
  • Oncology services for cancer tests, treatment, and medication
  • Dialysis
  • Organ and tissue transplants
  • Benefits to live organ donors up to USD $50,000 per lifetime
  • Durable medical equipment

The following table compares the optional wellness and optical benefits available with select VUMI Global Flex VIP plans.

Comparison of VUMI Global Flex VIP Plans Wellness and Optical Benefits
Global Flex VIP Plan Wellness and Optical Coverage
Basic Not available
Standard Option I: USD $500 coverage
Option II: USD $1,000 coverage
Superior
Ultra
Total

The table below shows dental coverage availability through VUMI Global Flex VIP plans offer routine and major dental coverage.

Routine and Major Dental Coverage Availability VUMI Global Flex VIP Plans
Global Flex VIP Plan Dental Coverage Availability
Basic Emergency dental coverage only within 30
days of an accident
Standard Emergency dental coverage only within 30
days of an accident
Superior Emergency dental coverage only within 30
days of an accident
Ultra Emergency dental coverage only within 30
days of an accident
Routine and major dental coverage is
available after a 9-month waiting period
Total Emergency dental coverage only within 30
days of an accident
Routine and major dental coverage is available after a 9-month waiting period

VUMI’s Global Flex VIP Basic Plan

The Global Flex VIP Basic Plan through VUMI is the most basic coverage for expats seeking only the minimum benefits. This is great for expats who don’t want to pay for coverage they don’t want or need.

The following table compares VUMI’s Global Flex VIP Basic plan to the other Global Flex VIP plans available.

Global Flex VIP Standard Plan’s Unique Benefit Limits
Coverage Type What’s Covered Benefits
Complementary Therapies Physiotherapy, Traditional Chinese Medicine (TCM), Ayurvedic treatment 100% pre-authorization required after 10 sessions of Psychiatric treatment Limit of USD $2,500
Nurse Care at Home Services 100% coverage Up to 60 days
Preventative Health Travel vaccinations and preventative medications Limit of USD $150
Physical Therapy and Rehabilitation Services 100% covered Up to 60 days per medical condition
Palliative Care Comfort care for terminal cases Lifetime benefit limit of USD $75,000
Hospital Cash Benefit When an insured person receives inpatient treatment free of charge but treatment would have been covered by the policy if needed USD $300 per night with a maximum of 30 nights

VUMI’s Global Flex VIP Superior Plan

VUMI’s Global Flex VIP Superior Plan is a compromise between the most comprehensive coverage and the most basic. Optical and maternity coverage are available on VUMI’s Superior tier, but you’ll need a more comprehensive plan for routine dental coverage.

The following table provides the unique outpatient benefit limits for VUMI’s Global Flex VIP Superior Plan.

Global Flex VIP Superior Plan’s Unique Benefit Limits
Coverage Type What’s Covered Benefits
Complementary Therapies Physiotherapy, Traditional Chinese Medicine (TCM), Ayurvedic treatment 100% pre-authorization required after 10 sessions of Psychiatric treatment Limit of USD $5,000
Nurse Care at Home Services 100% coverage Up to 90 days
Preventative Health Travel vaccinations and preventative medications Limit of USD $250
Physical Therapy and Rehabilitation Services 100% covered Up to 90 days per medical condition
Palliative Care Comfort care for terminal cases Lifetime benefit limit of USD $100,000
Hospital Cash Benefit When an insured person receives inpatient treatment free of charge but treatment would have been covered by the policy if needed USD $350 per night with a maximum of 30 nights

VUMI’s Global Flex VIP Ultra Plan

VUMI’s Global Flex VIP Ultra Plan is the second most comprehensive expat health insurance plan through VIP Universal Medical Insurance Group. This plan has maternity coverage, routine dental coverage, and optional optical coverage.

The table below lists the outpatient benefit limits that are unique to VUMI’s Global Flex VIP Ultra Plan.

Global Flex VIP Ultra Plan’s Unique Benefit Limits
Coverage Type What’s Covered Benefits
Complementary Therapies Physiotherapy, Traditional Chinese Medicine (TCM), Ayurvedic treatment 100% pre-authorization required after 10 sessions of Psychiatric treatment Limit of USD $7,500
Nurse Care at Home Services 100% coverage Up to 120 days
Preventative Health Travel vaccinations and preventative medications Limit of USD $350
Physical Therapy and Rehabilitation Services 100% covered Up to 120 days per medical condition
Palliative Care Comfort care for terminal cases Lifetime benefit limit of USD $125,000
Hospital Cash Benefit When an insured person receives inpatient treatment free of charge but treatment would have been covered by the policy if needed USD $400 per night with a maximum of 30 nights

Dental Benefits through the Global Flex VIP Ultra Plan begin after a 9-month waiting period. Treatments are subject to a 20% coinsurance. The table below lists the annual benefit limits for routine and major dental coverage on the Ultra tier.

Global Flex VIP Ultra Plan’s Dental Benefits
Coverage Type Annual Limit
Routine Dental USD $1,000
Complex Dental USD $2,000

VUMI’s Global Flex VIP Total Plan

The Global Flex VIP Total Plan through VUMI is the most comprehensive expat health insurance plan through this insurer. The plan has the highest benefit limits. The Total tier includes maternity coverage, dental coverage, and optional optical coverage.

The following table lists the unique outpatient benefit limits of VUMI’s Global Flex VIP Total Plan.

Global Flex VIP Total Plan’s Unique Benefit Limits
Coverage Type What’s Covered Benefits
Complementary Therapies Physiotherapy, Traditional Chinese Medicine (TCM), Ayurvedic treatment 100% pre-authorization required after 10 sessions of Psychiatric treatment Limit of USD $10,000
Nurse Care at Home Services 100% coverage Up to 120 days
Preventative Health Travel vaccinations and preventative medications Limit of USD $500
Physical Therapy and Rehabilitation Services 100% covered Up to 120 days per medical condition
Palliative Care Comfort care for terminal cases Lifetime benefit limit of USD $150,000
Hospital Cash Benefit When an insured person receives inpatient treatment free of charge but treatment would have been covered by the policy if needed USD $450 per night with a maximum of 30 nights

Dental Benefits through the Global Flex VIP Total Plan begin after a 9-month waiting period. Treatments are subject to a 20% coinsurance. The table below lists the annual benefit limits for routine and major dental coverage on the Total tier.

Global Flex VIP Total Plan’s Dental Benefits
Coverage Type Annual Limit
Routine Dental USD $1,500
Complex Dental USD $3,000

VUMI Expat Maternity Insurance

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Expats love VUMI’s maternity insurance plans with a waiting period of only 12 months. Maternity insurance through VUMI includes some of the highest limits for routine maternity care when compared to other insurance carriers that offer maternity coverage.

Three of VUMI’s plans include routine maternity care coverage: Global Flex VIP Superior, Global Flex VIP Ultra, and Global Flex VIP Total. The following table compares the maternity benefits of each plan following a 12-month waiting period.

VUMI Global Flex VIP Plans with Routine Maternity Coverage
  Superior Ultra Total
Routine Maternity Limit USD $12,500 USD $15,000 USD $20,000
Prenatal and Postnatal Benefit Limits USD $100,000 USD $125,000 USD $150,000

Note that VUMI’s Global Flex VIP Total has additional coverage available for IVF and infertility treatments after a 24-month waiting period. There’s a 25% coinsurance for fertility treatments and a limit of USD $2,500 per attempt. The lifetime limit for fertility treatment benefits is USD $10,000.

VUMI Global Flex VIP Plans Area of Coverage

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VUMI Global Flex VIP Plans have four options for areas of coverage: Africa, South East Asia, Worldwide including the USA, and worldwide excluding the USA.

The Africa area of coverage is for expats residing in Africa, and coverage includes medical care in the following areas and countries:

  • Africa
  • India
  • Pakistan
  • Sri Lanka
  • Bangladesh
  • Jordan
  • Lebanon
  • Mainland China
  • Philippines

The Southeast Asia area of coverage is available to expats residing in the following areas and countries:

  • Brunei
  • Cambodia
  • Indonesia
  • Laos
  • Malaysia
  • Myanmar
  • Philippines
  • Thailand
  • East Timor
  • Vietnam

Medical coverage for expats on the Southeast Asia plan is not available in Singapore, but coverage is available for medical services received in Mainland China, Hong Kong, Japan, and South Korea.

Why Expats and Travelers Choose VUMI Plans

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Expats and travelers love VUMI’s flexible plans, direct billing options, unrivaled hospital discounts, in-house administration, exclusive proprietary medical network, and outstanding customer service.

VUMI Travel Insurance Plans

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VIP Universal Medical Insurance Group travel insurance can cover you for a single trip or for all of your trips within a year. VUMI’s travel insurance plans offer full medical coverage. Apply for VUMI travel insurance online.

Highlights of the medical coverage available through VUMI travel insurance plans:

  • USD $5,000,000 maximum lifetime benefit per insured person up to age 70
  • Coverage of $500,000 for stable pre-existing conditions
  • Hospitalization is covered at 100%
  • Outpatient & specialist visits are 100% covered
  • 100% coverage for prescription medications

Consult our blog for more policy specifics and insights into VUMI Travel Insurance.

VUMI Single Trip Insurance

VUMI offers full medical coverage for one round trip with single-trip insurance policies. VUMI single-trip policies can be extended as many times as you need for up to 365 consecutive days of coverage.

VUMI Annual Travel Insurance

VUMI annual travel insurance policies cover you for all of your trips in one year. Your trips may be as long as 30, 45, or 90 consecutive days, depending on your policy selection. If any of your trips are longer than your policy allows, you can extend coverage for an additional daily premium.

Annual Trip plans include second medical opinion coverage.

VUMI Travel Insurance Riders

VUMI travel insurance plans have two rider options to include non-medical travel benefits.

Here is the coverage offered with VUMI’s Non-Medical Rider:

  • Baggage delay, loss, theft, or damage
  • Travel delay or missed connection
  • Passport or cash theft
  • Accidental Death & Dismemberment (AD&D)
  • Daily hospital benefit
  • Legal assistance
  • Personal Liability (bodily injury & property damage)

Here is the coverage available with VUMI’s Trip Cancellation Rider:

  • Travel canceled due to an acute illness
  • Travel canceled due to injuries
  • Travel canceled due to death

VUMI VIP Travel Services

All of VUMI’s travel insurance plans come with the following VUMI VIP Services:

  • Emergency assistance 24/7
  • Traveler’s choice of doctors and hospitals worldwide
  • Comprehensive travel medical coverage for minor injuries to repatriation
  • Compassionate emergency visit to an insured person
  • Emergency dental
  • Children under age 2 are eligible for free coverage
  • Coverage for travelers up to 79 years old
  • Return ticket home if your flight is missed due to illness

VUMI Corporate Health & Life Insurance Plans

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VUMI’s corporate health insurance plans are for companies with a minimum of 10 full-time employees. Medical insurance plans are custom-made for the company’s needs. Life insurance, including accident death and dismemberment, is also available for corporations.

Work with Pacific Prime today to explore VUMI’s medical and life insurance benefits for your company. You’ll get expert advice and be able to compare multiple carriers for your benefits.

Using a Broker to Buy VUMI Insurance

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Expats can purchase insurance policies directly from the insurer, but that’s not the best option. The best choice is to purchase an insurance policy through a broker and enjoy additional services and unbiased advice for free.

Here are some of the additional services available through an international health insurance broker:

  • Find and compare quotes from multiple insurance companies simultaneously
  • Pacific Prime has a dedicated claims support team for its clients
  • Brokers are a third party that is familiar with the international insurance market
  • Ask questions and get tailored advice to suit your needs, not the insurance company’s bottom line
  • Help to complete applications and forms

Frequently Asked Questions

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How much does expat medical insurance cost?

Average expat medical insurance costs as low as USD $299.50 monthly for a policy in Thailand to USD $818 monthly for a policy in the United States. Exact prices depend on benefit selections, deductibles, locations of coverage, age, and additional demographics.

What should expats do for health insurance?

Expatriates may be eligible for employer or public healthcare with their residence visa abroad. Expats without employer or public healthcare eligibility purchase private international medical insurance. An international insurance broker helps expats secure appropriate coverage abroad.

What countries accept Medicare from the US?

Medicare is only accepted in the United States and its territories. This includes all fifty states, American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the Virgin Islands.

What does VUMI stand for?

VUMI stands for VIP Universal Medical Insurance Group. VUMI is an international health insurance company that offers corporate plans, individual plans, and travel insurance policies.

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