Overview
VIP Universal Medical Insurance Group (VUMI®) has provided exclusive major medical insurance and VIP medical services to over 50 million individuals worldwide since its founding, with 35+ years of healthcare management industry experience. As a specialist in international private medical insurance, VUMI combines comprehensive global coverage with local expertise through offices in Dallas, Miami, Denver, Dubai, and key locations across Latin America. Their plans feature direct billing agreements with 800,000+ healthcare providers and 7,000+ hospitals across 100+ countries, enabling cashless treatment at premier medical facilities internationally.
VUMI offers flexible coverage designed to treat every client like a VIP – from long-term expatriates and families to digital nomads, corporate groups, and senior citizens. Coverage areas range from worldwide (including/excluding USA) to region-specific, with annual maximums from $1.5 million to $7 million and deductible options from $0 to $25,000.
Your guide to VUMI
Brochures
Key benefits & coverage
Core medical coverage
Comprehensive inpatient and outpatient benefits including hospitalization (private room, ICU, surgery at 100% after deductible), emergency services, prescription drugs, and mental health support. Pre-existing conditions covered after waiting periods, with specialized plans available for chronic conditions. Coverage includes congenital and hereditary conditions, prosthetic limbs, and complementary therapies.
Additional protection
Medical evacuation coverage up to $1 million, repatriation services, Second Medical Opinion VIP® service with top medical experts, and Global Telemedicine consultations. VIP Patient Concierge Services provide 24/7 multilingual support in English, Spanish, and Portuguese. Optional riders available for maternity, dental, vision, and adventure sports coverage. Compare plan options →
Digital services
The MyVUMI member portal and mobile app provide instant provider search, online claim submission and tracking, digital ID cards, and secure access to policy documents. Direct billing eliminates upfront payments at network providers worldwide. 24/7 multilingual customer support with real service professionals, not chatbots. Download/Signup for VUMI →
Plans & pricing
Expat VIP Series – Designed for expatriates requiring comprehensive annual coverage with three tiers (Bronze: $1.5M, Gold: $4M, Platinum: $7M) and options to include or exclude USA coverage.
Global Flex VIP Plans – Flexible modular coverage with five tiers (Basic to Total) offering $3M-$5M in annual benefits, with 12+ deductible options for customized coverage.
Senior VIP & Optimum VIP – Specialized coverage for seniors aged 60-90 and individuals with chronic conditions, addressing populations typically underserved by insurance.
VUMI offers age-banded pricing with enrollment available up to age 74, guaranteed lifetime renewal regardless of age, and group discounts starting from 10+ employees. Excluding USA coverage can reduce premiums by up to 40%. Get a quote →
Important information
Waiting Periods: Maternity coverage (10-12 months), dental work (varies by plan), pre-existing conditions (12-24 months, varies by condition). Full medical underwriting required.
Service Standards: Claims processed within 5-7 business days, $219 million in claims processed annually ($600,000 daily average), 94% customer satisfaction rate, and dedicated VIP protocol for all clients.
Regulatory: VUMI is registered in Turks & Caicos Islands under UK common law, reinsured by PartnerRe (rated A+ by S&P and Fitch), and authorized to operate in multiple jurisdictions worldwide.
Additional Resources
- About
- Portal
- FAQs
- Blog
There are several brochures for VUMI: - Direct VIP
- Prime VIP
- Absolute VIP
- Access VIP
- Optimum VIP
- Senior VIP
- Universal VIP