Vumi Global Review – Is It Good International Medical Insurance for Expats?

Vumi Global Review - Is It Good International Medical Insurance for Expats?

If you are looking for a good international health insurance plan specifically made for expats, travelers, and global citizens, Vumi Global may just be the best option for you.

With several different plans and tons of flexibility, Vumi offers various great plans for expats and should certainly be on your radar when searching for international health coverage.

In this review of Vumi Global, I will break down everything you could possibly need to know about the insurance company so that you can make an informed decision when choosing your coverage.

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Key Benefits

  • Excellent for people requiring comprehensive coverage, even from the basic plan
  • Extensive global network of healthcare providers
  • Comprehensive coverage options
  • Emergency evacuation and repatriation coverage
  • Flexible plans tailored to your needs
  • 24/7 customer support in multiple languages

What is Vumi Global?

Vumi Global is an international health insurance provider that offers comprehensive health coverage for expats, digital nomads, travelers, and global citizens.

They have a wide range of plans and a vast global network, ensuring you can find something that fits your needs and budget.

Vumi global logo
Vumi Global has been in the insurance market for more than 3 decades.

While you might not be familiar with their brand, Vumi has actually been in the insurance market for more than 30 years with over 450 employees. Recently, they have become a popular option for expats in Southeast Asia.

Vumi Global has top-notch customer service, providing 24/7 support and a straightforward claims process.

Wherever you go and whatever needs you might have, Vumi Insurance has various options to keep you covered, making it a reliable choice for those on the move.

Who Is Vumi Global Insurance For?

If you’re an expat, you might be having a hard time determining whether or not you need health insurance.

You should consider Vumi Global Insurance if any of the following elements apply to you:

  1. You live and work abroad.
  2. You travel frequently for business or pleasure.
  3. You reside in multiple countries throughout the year or do not have a permanent residence.
  4. You require a high coverage limit. Even with their standard plans, you get an annual limit of USD $3 million. This is three times higher than many providers out there.
  5. You need a comprehensive plan that includes full outpatient coverage, private room, cancer treatment, medical evacuation, and more.

Who Is Vumi Global Insurance NOT For?

Vumi Global Insurance is not a one-size-fits-all solution and might not be suitable for everyone.

Here are some things that may steer you away from Vumi Global:

  1. You permanently reside in one country. In this case, a local insurance provider will likely be easier and more affordable.
  2. You are looking to cut costs. Vumi’s plans are on the pricier end, so I’d recommend a different plan if you are on a tighter budget.
  3. You don’t need comprehensive coverage. If you are in good health and don’t need extensive coverage, Vumi may be a bit over the top for your needs.
  4. You have pre-existing conditions. While Vumi covers certain pre-existing conditions, the specifics can vary. For certain conditions, it would be better to go with a different provider.

Vumi Global Plans Explained

If you’re looking for a comprehensive health insurance solution, chances are that Vumi Global Insurance will meet your needs.

The provider has five well-developed and customizable plans that are sure to cater to all of your health needs.

Here are the primary plans offered by Vumi Global:

  • Global Flex VIP Basic
  • Global Flex VIP Standard
  • Global Flex VIP Superior
  • Global Flex VIP Ultra
  • Global Flex VIP Total

1. Global Flex VIP Basic

While it’s a basic plan, it’s much more comprehensive than other insurance plans you find on the market. Here’s what you get in short:

  • Maximum Coverage: Up to USD $3 million per policy year.
  • Inpatient coverage with a private room
  • Outpatient coverage
  • Cancer coverage
  • Day-care treatment
  • Outpatient surgery
  • Home nurse care
  • Maternity and birth complications
  • Medical evacuations
  • GP and specialist fees, and prescription drugs for up to 15 days before/after inpatient treatment
  • AIDS treatment for up to USD $50,000
  • And more.

2. Global Flex VIP Standard

With Global Flex VIP Standard, you get all the coverage from the previous plan but with more coverage, including:

  • Maximum Coverage: USD $3.5 million per policy year.
  • Full coverage on GP fees, specialist fees, and prescription drugs up to the plan limit
  • Travel vaccinations
  • Preventative medication
  • Higher coverage limits on various treatments

3. Global Flex VIP Superior

  • Maximum Coverage: Up to USD $4 million per policy year.
  • Higher coverage limits on various treatments

4. Global Flex VIP Ultra

  • Maximum Coverage: Up to USD $4.5 million per policy year.
  • Higher coverage limits on various treatments

5. Global Flex VIP Total

  • Maximum Coverage: USD $5 million per person per policy year.
  • Higher coverage limits on various treatments
FeatureVIP TotalVIP UltraVIP SuperiorVIP StandardVIP Basic
Maximum CoverageUSD $5 millionUSD $4.5 millionUSD $4 millionUSD $3.5 millionUSD $3 million
Choice of DeductiblesYesYesYesYesYes
Inpatient CareYesYesYesYesYes
Outpatient CareYesYesYesYesYes
Emergency ServicesYesYesYesYesYes
Maternity Care CoverageYesYesYesYesYes
Emergency EvacuationYesYesYesYesYes
Mental Health ServicesYesYesYesYesYes
Psychiatric Treatment CoverageYesYesYesYesYes
Travel Vaccinations CoverageYesYesYesYesNo
Preventive CareYesYesYesYesNo
Congenital Conditions CoverageUSD $150,000USD $100,000USD $75,000USD $50,000USD $50,000
Prescription Drug CoverageYesYesYesYesYes
Outpatient Surgery CoverageYesYesYesYesYes
Repatriation of Mortal RemainsYesYesYesYesYes
Home Nurse CareYesYesYesYesYes
Surgical Procedures CoverageYesYesYesYesYes
Terminal Illness / Palliative Care CoverageUSD $125,000USD $100,000USD $75,000USD $50,000USD $50,000
Newborn CoverageUSD $125,000USD $100,000USD $75,000USD $50,000USD $50,000
Elective SurgeriesYesYesYesYesYes
Personalized SupportFullFullFullFullFull

Area of Coverage

Vumi offers 5 options for areas of coverage, including:

  1. Worldwide including USA elective treatment
  2. Worldwide excluding USA
  3. Africa only
  4. Asia only (excluding China, Hong Kong, Japan, and South Korea)
  5. Indian subcontinent

To minimize the cost of your health insurance plan, it’s best to choose an area of coverage that covers the country you are currently residing in.

For example, the plan with Worldwide including USA elective treatment is going to be much more expensive than the Asia-only plan.

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If you need medical treatment outside of your chosen coverage area, Vumi still provides the following coverage for their basic plan:

  • Injuries: up to the plan limit
  • Illness: US$50,000
  • Out-patient hospital visit: US$500

Deductible Options for Vumi Global

As mentioned, the deductible you choose for your Vumi plan will have a significant effect on your monthly premiums.

Here are the deductible options with Vumi:

With US CoverageWithout US Coverage
$500$1,000
$2,000$2,000
$3,000$3,000
$5,000$5,000
$10,000$10,000
$20,000$20,000
$50,000$50,000

How to Use Your Vumi Global Insurance

Some health insurance horror stories might have led you to believe that it’s difficult to actually make use of your policy, but when it comes to Vumi Global, the process is actually quite smooth and simple.

The good thing about Vumi Insurance is that their plans are designed with your budget and needs in mind and are easy to access and navigate.

Here’s a quick overview of how you can put your Vumi plan to good use and get the most out of it.

Finding a Provider

  1. Whenever the need arises, simply head over to the website and log in to the Vumi Global portal.
  2. Use the provider search tool to quickly find in-network doctors and facilities. You’ll be able to get the details of all the facilities available in your plan as well.
  3. Schedule an appointment and present your insurance details. It’s that easy!

Pre-authorization

  1. For certain treatments, you might need to get pre-authorization from the company.
  2. Submit all the required medical information through the portal. You can access it online and uploading everything is fast and easy.
  3. Wait for approval before proceeding with the treatment.
  4. Once your approval comes through, you can go to your preferred healthcare provider, present your insurance documentation, and get your treatment without any hassle.

How to Make a Claim with Vumi Global

Once your treatment is complete and you’ve gathered all the receipts and documents, you can go ahead and make a claim.

Unlike some other insurance providers, Vumi Global has a straightforward claims process that can be completed from the comfort of your home, and you can monitor the progress in real-time as well.

Here are the steps for making a claim:

  1. Head over to the Vumi Global portal and sign into your account.
  2. Collect all necessary medical receipts and documentation and prepare them for submission.
  3. Complete the online claim form with accurate information.
  4. Upload your documents and submit the form. Keep track of your claim’s status through the portal.

How to Get a Quote with Vumi Global

The cost of your health insurance with Vumi can vary depending on your desired monthly premium and the copay or deductible options you choose.

To get a quote, visit the our website and fill out the online form with your personal details, including your country of residence, age, coverage needs, and any additional preferences.

If the online form doesn’t suit you, the Vumi team is also ready to offer personalized help via phone. You can get in touch with their customer service team via phone or email for a more personalized consultation.

  • Customer Support Phone Number: +1 855 276 VUMI (8864)
  • Customer Support Email: [email protected]

Once you’ve answered their questions and the information is submitted, you will receive a call or email from the customer support team with your customized quote.

How to Cancel Vumi Global

If you find that your Vumi Insurance plan doesn’t work for you anymore or you simply don’t need it anymore, you can cancel your plan.

To do so, you will have to get in touch with customer service via phone or email, and they will get the process started for you.

All that said, there are a few very important things that you should keep in mind:

  • Keep your policy number on hand: When you talk to the representative about canceling your policy, they will ask for your policy number so they can check your information and file your case. Make sure you have this number when you contact them.
  • Include a statement of intention: Vumi Global requires that you submit a statement of intention if or when you cancel your policy. It must clearly define your intention to cancel the policy, as well as the reasons behind your decision. This is an important part of the cancellation process because, without a statement of intention, the customer support team may reject your cancellation.
  • Thoroughly review the cancellation terms: Vumi Global charges a cancellation fee and has some penalties for terminating the plan. These will be outlined in your policy guidebook, so make sure you review them to get a clear idea of what to expect during the cancellation process.
  • The free look period: If you cancel your policy during the free look period (your welcome guide will contain details about this), you might not have to pay any penalty charges. Policy terms tend to change frequently, so make sure you speak to Vumi customer service to get the latest information.

How to Make the Most Out of Your Vumi Global Plan

It is no secret that health insurance can cost a pretty penny, so what can you do to make sure you are getting your money’s worth?

Use Preventive Services

Your Vumi Insurance plan includes some preventive services like health screenings and vaccinations. If you’re worried about running into bigger health issues down the road or don’t have a very comprehensive plan, I’d strongly recommend utilizing these.

Access Wellness Programs

Many Vumi plans also include access to wellness programs that can seriously boost your overall health and well-being.

I recommend participating in these programs to keep your health in check and even lower your premiums down the road!

Network Providers

Vumi has a massive provider network, ensuring that you can access the coverage you need wherever you go and without any hassles. You should definitely use in-network providers to minimize your out-of-pocket expenses. Also, by using an in-network provider, you’ll have an easier time during claim processing.

Vumi Global vs. Other Expat Health Insurance Providers

Vumi Global is a trusted and well-established insurance provider that caters to expats’ wide variety of needs. However, the market has some other major players as well, which gives Vumi some tough competition. Let’s take a look at some of the other major expat health insurance providers out there and how they stack up against Vumi.

Cigna Global

Cigna Global is a well-established and reputable insurance provider with extensive global coverage. Cigna has some of the best global insurance plans out there, and each plan comes with tons of add-ons and optional “modules” that can make your coverage even more comprehensive.

That said, Cigna can be generally more expensive than Vumi. However, Cigna also has more customization options and might be more affordable than Vumi but come with less coverage.

Key Features

  • Coverage Amount: Up to USD $2 million annually.
  • Deductibles: Options range from USD $0 to USD $10,000.
  • Network: Extensive global network, offering coverage in over 200 countries.
  • Emergency Services: Strong emergency services, including medical evacuation and repatriation, but less extensive in some remote areas compared to Vumi Global.
  • Premiums: Generally higher than IMG Global and William Russell, but competitive given the comprehensive coverage and additional wellness benefits.

William Russell

William Russell is another major player in the insurance industry that serves millions of expats worldwide. Known for its competitive pricing, it offers an attractive option for budget-conscious expats and world travelers. William Russell provides flexible plans but may lack the extensive network and emergency services offered by Vumi Global.

Key Features:

  • Coverage Amount: Up to USD $1.5 – $4 million annually (based on plan)
  • Deductibles: Options range from USD $100 to USD $10,000.
  • Network: Limited, may require out-of-network hospitals during emergencies. Has coverage in over 120 countries
  • Emergency Services: Limited compared to Vumi Global.
  • Premiums: Generally lower than Vumi Global, making it more budget-friendly.

GeoBlue

GeoBlue is a particularly good healthcare provider for U.S.-based healthcare providers, making it a strong choice for expats with ties to the United States.

For those who live and work in the States, GeoBlue offers international coverage and easy access to U.S.-based healthcare providers, which might be more limited with Vumi Global.

While Vumi Global provides extensive coverage overall and across the globe, GeoBlue’s integration with Blue Cross Blue Shield gives it an unbeatable edge in the U.S. market.

Key Features:

  • Coverage Amount: Up to USD $1 million annually (based on plan)
  • Deductibles: Options range from USD $0 to USD $5,000.
  • Network: Extensive coverage in over 190 countries, particularly strong in the United States due to integration with Blue Cross Blue Shield.
  • Emergency Services: Comprehensive emergency services, particularly within the U.S.
  • Premiums: Higher than average due to U.S. coverage.

IMG Global

IMG Global offers a wide range of plans with various coverage options, but Vumi Global often provides more comprehensive customer support and emergency services.

Key Features:

  • Coverage Amount: Up to USD $1 – $8 million lifetime maximum.
  • Deductibles: Options range from USD $100 to USD $25,000.
  • Network: Extensive global network, coverage in 170+ countries.
  • Emergency Services: Good emergency services but less extensive evacuation options compared to Vumi Global.
  • Premiums: Competitive, often more affordable than GeoBlue, but comparable to William Russell.

Online Reviews of Vumi Global

Vumi Global’s online reviews are generally positive and many customers tend to praise the comprehensive coverage and responsive customer service.

Many users appreciate the broad range of coverage options available, which can be tailored to individual needs. This flexibility is also a major benefit for expats with diverse and ever-changing health requirements.

Additionally, the user-friendly online portal and clear communication channels make the insurance experience smooth and straightforward and are frequently praised by clients.

However, some reviews point out a few drawbacks. Some users have reported issues with the claims process, describing it as slow or complex.

Another common point of criticism is the higher premiums. Vumi’s premiums can be higher than some other insurance companies, such as William Russell, which has premiums starting around $1,000 annually, and IMG Global, with premiums between $1,200 and $10,000 annually.

Bottom Line: Is Vumi Global a Good Expat Insurance Plan?

Vumi Global is a solid choice for expats seeking comprehensive international health insurance. With extensive coverage options, a vast network of providers, and exceptional customer support, it caters well to diverse health needs.

While premiums might be higher, the benefits and services provided make it a worthwhile investment for those needing reliable global health coverage. And if you’re someone who enjoys getting VIP treatment, there’s no other place for you than Vumi insurance!

FAQ

Does Vumi Global Cover Pre-existing Conditions?

Coverage for pre-existing conditions depends on the plan you’ve selected. Some plans may offer limited coverage or exclusions, so make sure you review the policy details carefully.

How to Contact Vumi Global?

You can contact Vumi Global via their website, email, or customer service hotline. They offer 24/7 support in multiple languages.

How Long Do Vumi Global Claims Take?

Claims processing times vary but generally take between 10 to 15 business days. If your claim is very complex, processing it may take longer.

Is Vumi Global a Reputable Insurance?

Yes, Vumi Global is known for its reliable and comprehensive coverage, extensive network, and strong customer service, making it a reputable choice for international health insurance.

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Saran Lhawpongwad is a Bangkokian by birth. He loves to share what he learns based on his insights living and running business in Thailand. While not at his desk, he likes to be outdoors exploring the world with his family. You can connect with him on his LinkedIn.

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