VIP Universal Medical Insurance Group, Ltd. (VUMI) is an international insurance company that offers a wide range of products and medical services to individuals and companies worldwide. Born from a dedication to service and with the VIP service concept embedded in the company name, VUMI is committed to treating every client like a VIP.

Headquartered in Dallas, Texas, and with additional offices across the United States and Latin America, VUMI is part of an international healthcare group with more than 30 years of industry experience. All VUMI products are reinsured by PartnerRe, one of the biggest and most well renowned global reinsurance firms. PartnerRe’s strong credit ratings paired with VUMI’s robust experience in the healthcare industry provides you with strength and protection that you can trust.

VUMI’s Expat VIP plans come with the following exclusive advantages:
• Worldwide coverage, including a U.S. network, U.S. out-of-network coverage and free choice outside the U.S.
• Access to 800,000 renowned medical providers and 7,000 hospitals globally
• A wide range of premium products and services
• Guaranteed renewability for life
• A highly dedicated and responsible team that understands your needs
• Wellness benefits, which include preventive care, bariatric surgery and more
• 24/7 VIP customer service in your language of choice

VUMI is uniquely positioned to offer you the health care you deserve, no matter where you are in the world.

VUMI’s comprehensive healthcare coverage is trusted by individuals with a wide array of nationalities residing in more than 150 countries. Serving both locals and expatriates, VUMI provides global citizens the security of a complete healthcare plan accessible from anywhere in the world. With any VUMI plan, you will enjoy the following benefits:
• 24/7 customer service
• Guaranteed lifetime renewal
• Repatriation of mortal remains
• Electronic claims submission
• Emergency transportation by air and ground ambulance
• Healthcare coverage no matter where you are in the world
• A strong global network
• Products reinsured by PartnerRe

Overview of Expat VIP plans:

Expat VIP Platinum is VUMI’s most comprehensive plan for expatriates, giving you access to a U.S. network with thousands of providers, coverage for out-of-network U.S. providers, and free choice of doctors and hospitals abroad. With up to US$7 million in coverage for medical expenses, you can enjoy a full range of coverage for inpatient and outpatient services in addition to routine vision and dental care, acupuncture and massage therapy, bariatric surgery, organ transplants, and more.

Expat VIP Gold is an innovative plan that provides up to US$4 million in coverage in addition to a large U.S. network and free choice of doctors and hospitals abroad. Covered services include emergency dental coverage, treatments for congenital and hereditary conditions, prosthetic limbs, complementary therapy such as physical and occupational therapy, alternative therapy, and more.

At VUMI, every client is a VIP. VUMI’s medical team follows a rigorous VIP protocol that can be activated at any time. This ensures that you receive support every step of the way, anywhere in the world, and have access to the best medical treatments for your health needs.

VUMI offers a wide array of services and benefits, giving you the peace of mind that you are covered anytime, anywhere. VUMI’s multilingual team is also available to help you 24/7.

VUMI offers free choice of doctors and hospitals outside the U.S. This gives you access to more than 800,000 providers and 7,000 hospitals in more than 100 countries around the world, ensuring that you will have the highest quality of care. You also have the option to include U.S. coverage in your plan, which includes access to VUMI’s exclusive Expat VIP Network. Additionally, all Expat VIP plans with U.S. coverage include some out-of-network coverage for certain medical services provided by doctors and hospitals within the U.S.

VUMI is available to guide you 24 hours a day, 365 days a year no matter where you are in the world. VUMI assists with every aspect of your treatment, from coordinating appointments with your doctor to ensuring that you have all the information you need to authorize a medical procedure. In case of an emergency, VUMI communicates with the hospital and provides all the information required so that you can receive treatment as soon as possible. VUMI also offers assistance with finding companion accommodation if required, ensuring that you will have the support of your loved ones during a medical crisis.

As part of an international healthcare group with more than 30 years of experience, VUMI understands every facet of the medical process, from underwriting and claims processing to working with providers on direct billing, authorizations and other issues. VUMI also has extensive experience working with doctors and hospitals both in the U.S. and abroad, within our network and otherwise, so you can focus on your treatment and recovery instead of worrying about dealing with healthcare administrators.

VUMI is committed to ensuring that you and your family can manage your health care in the most convenient way possible. With any VUMI Expat VIP plan, you and your family members will have access to the MyVUMI portal, which allows you to:
• Get a digital copy of your ID card
• Review plan documents
• Extend or cancel your policy
• Submit claims
• Contact VUMI