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Insurance background

VUMI® (VIP Universal Medical Insurance)

Data updated: 2025-09-08

Website

Description

VUMI® positions itself as a premium global health provider delivering ‘VIP’ user experience: unlimited lifetime benefits, flexible deductible options, second-opinion services, and worldwide provider choice, all tailored for affluent expats and retirees.

Overview

LTR-friendly O-A visa accepted O-X visa accepted Cashless in-network Worldwide options
Hospital network
Network published
Coverage areas
Worldwide / configurable (incl/excl USA), Worldwide
Plan types
comprehensive
Example premiums
Quoted online; varies by age/benefits
Inpatient (IPD) Outpatient (OPD) Maternity Dental Mental health Medical evacuation

Plans (summary)

Global Flex VIP Basic
comprehensive Worldwide / configurable (incl/excl USA) Annual limit: ฿105000000
IPD OPD Mental Evacuation
Eligibility: up to 74
USD 3M overall annual limit; deductibles available in USD (0, 1k, 2k, 5k, 10k, 15k, 20k).
Global Flex VIP Standard
comprehensive Worldwide / configurable (incl/excl USA) Annual limit: ฿122500000
IPD OPD Mental Evacuation
Eligibility: up to 74
USD 3.5M overall annual limit.
Global Flex VIP Superior
comprehensive Worldwide / configurable (incl/excl USA) Annual limit: ฿140000000
IPD OPD Mental Evacuation
Eligibility: up to 74
USD 4M overall annual limit.
Global Flex VIP Ultra
comprehensive Worldwide / configurable (incl/excl USA) Annual limit: ฿157500000
IPD OPD Mental Evacuation
Eligibility: up to 74
USD 4.5M overall annual limit.
Global Flex VIP Total
comprehensive Worldwide / configurable (incl/excl USA) Annual limit: ฿175000000
IPD OPD Maternity Dental Mental Evacuation
Eligibility: up to 74
USD 5M overall annual limit; closest to Universal VIP Choice feature set.
Universal VIP Choice
comprehensive Worldwide Annual limit: ฿175000000
IPD OPD Maternity Dental Mental Evacuation
Eligibility: up to 74
USD 5M annual; lifetime aggregate noted in some materials; official dedicated page varies by region—verify specific brochure with distributor.

FAQ

Is VUMI® (VIP Universal Medical Insurance) accepted for Thai visas?
Yes, this insurer typically offers plans that meet visa requirements O-A O-X LTR.
Do they have cashless direct billing in Thailand hospitals?
Yes — members can use direct billing within the insurer’s network in Thailand.
Can foreigners/expats apply and what are the age limits?
Typical eligibility: · up to 74 .
Are pre‑existing conditions covered?
Coverage for pre-existing conditions depends on underwriting; some plans apply exclusions or waiting periods.
How do I get a quote?

Updated 2025-09-08