Brokerfish

VUMI Global - Excellence in Health Care

VUMI Global - Excellence in Health Care

Application

VUMI® Global Services FZ-LLC is a health administration services company that is a part of VUMI® International Health Insurance. They offer exclusive major medical insurance products and VIP medical services to private and corporate clients worldwide. Their products provide unique benefits and extensive global coverage, protect assets and provide peace of mind that you are covered anytime and anywhere. VUMI® Global Services FZ-LLC has operational offices worldwide and employs over 590 multinational professionals. The company is privately owned and is part of an international healthcare group with 35 years of experience in the industry.

VUMI® has partnered with various companies to provide comprehensive healthcare solutions to its clients. These operating partners include:

» The Henner Group, an international company that specializes in the development and management of health insurance solutions for individuals, professionals, and companies.
» Inter Mutuelles Assistance (IMA), which provides evacuation and repatriation assistance in emergency situations where treatment is not readily available.
» Jackson International, a company that connects patients in need of expert treatment for complex medical and surgical care with top-rated health systems in the United States.
» Aetna, one of the largest healthcare benefits companies in the U.S. Founded in 1853, Aetna’s hospital network has more than 1.1 million healthcare professionals and 5,500 hospitals across the U.S
» ProAct, a full-service pharmacy benefit management company that offers innovative, affordable and flexible prescription drug benefit solutions using the latest technology.
» BDO, a leading international consulting, financial advisory, and accounting organization with a global network of 1,328 offices in 151 countries.

Together, these partners help to provide a comprehensive and holistic approach to VUMI® clients’ healthcare needs.
Choosing VUMI® as your healthcare provider is a smart decision that can protect your loved ones, save a life, and bring you peace of mind. With worldwide coverage available, you can be sure that you will have the support you need when you need it most. Healthcare is not an expense but an investment, and VUMI® offers extensive coverage, unique benefits, and the experience and commitment of a company that offers exceptional VIP medical services with a human touch. With VUMI® you can be sure that you are making a decision that will provide you and your loved ones with the protection and support you need in any situation.

The five VUMI plans for individuals and families

GLOBAL FLEX VIP BASIC

Maximum cover per person, per policy year of US$3,000,000 and Age limit for application of up to 74 years
Geographical cover options: worldwide including USA elective treatment, worldwide excluding USA, Africa, Asia and Indian sub-continent with specific area restrictions.

The inpatient benefits include:
» Adult companion accommodation (related to a covered hospitalization of an insured child under age 18) up to policy maximum
» Psychiatric treatment up to policy maximum (maximum of 30 days)
» Standard private room (room and board) 100% UCR, up to policy maximum

Outpatient benefits include:
» Day-care treatment, up to policy maximum
» General practitioner and specialist fees, up to policy maximum (pre and post-operative only, up to 15 days before or after inpatient treatment)
» Nursing care at home, up to policy maximum (maximum of 30 days)
» Outpatient surgery, up to policy maximum
» Prescription drugs, up to policy maximum (pre and post-operative only, up to 15 days before or after inpatient treatment)

Maternity benefits include:
» Maternity and birth complications, up to policy maximum
» New-born cover, up to US$50,000
» Medical evacuation benefits include:

Other general benefits include:
» Congenital conditions after 30 days from birth, up to US$50,000
» Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans), up to policy maximum
» External prostheses, up to US$1,000 per policy year
» HIV-AIDS treatment, up to US$50,000
» Oncology treatments (cancer tests, drugs, and treatment), up to policy maximum
» Organ transplant (per organ/tissue, per lifetime), full refund including US$50,000 for donor costs
» Prescribed physical therapy and rehabilitation, up to policy maximum (maximum of 30 days per medical condition)
» Reconstructive surgery, up to policy maximum
» Renal failure and dialysis, up to policy maximum
» Surgical procedures, up to policy maximum
» Terminal illness/palliative care, up to US$50,000 per lifetime

Other benefits include:
» Emergency dental treatment, up to policy maximum
» Emergency non-elective treatment outside the geographical area of coverage, up to policy maximum for injuries, up to US$50,000 for illnesses, up to US$500 for outpatient hospital visits
» Emergency transportation by ground ambulance, up to policy maximum
» Hospital cash benefit, up to US$250 per night (maximum of 30 nights)
» Passive war and terrorism, up to policy maximum
» Second Medical Opinion VIP (access to medical opinion of internationally renowned experts from around the world)

Note that this is a summary of the coverage options and there may be some other limitations and exclusions, specific details can be obtained by contacting us and speaking with a BrokerFish representative.

GLOBAL FLEX VIP STANDARD

Maximum cover per person, per policy year of US$3,500,000 and Age limit for application of up to 74 years
Geographical cover options: worldwide including USA elective treatment, worldwide excluding USA, Africa, Asia and Indian sub-continent with specific area restrictions.

The inpatient benefits include:
» Adult companion accommodation (related to a covered hospitalization of an insured child under age 18) up to policy maximum
» Psychiatric treatment up to policy maximum (maximum of 30 days)
» Standard private room (room and board) 100% UCR, up to policy maximum

Outpatient benefits include:
» Complementary therapy including physiotherapy, traditional chinese medicine (TCM) and ayurvedic treatment up to policy maximum, pre-authorisation required after 10 sessions
» Day-care treatment, up to policy maximum
» General practitioner and specialist fees, up to policy maximum
» Nursing care at home, up to policy maximum, max. of 60 days
» Outpatient surgery, up to policy maximum
» Prescription drugs, up to policy maximum
» Psychiatric treatment, up to US$2,500
» Travel vaccinations and preventive medication, up to US$150

Maternity benefits include:
» Maternity and birth complications, up to policy maximum
» New-born cover, up to US$75,000

Medical evacuation benefits include:
» Emergency transportation by air ambulance & emergency medical evacuation, up to policy maximum
» Repatriation of mortal remains, up to policy maximum, US$7,500 for burial or cremation costs

Other general benefits include:
» Congenital conditions after 30 days from birth, up to US$75,000
» Congenital conditions from birth up to 30 days, Covered under the newborn benefit
» Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans), up to policy maximum
» External prostheses, up to US$1,500 per policy year
» HIV-AIDS treatment, up to US$50,000
» Oncology treatments (cancer tests, drugs, and treatment), up to policy maximum
» Organ transplant (per organ/tissue, per lifetime), full refund including US$50,000 for donor costs
» Prescribed physical therapy and rehabilitation, up to policy maximum, max. of 60 days per medical condition
» Reconstructive surgery, up to policy maximum
» Renal failure and dialysis, up to policy maximum
» Surgical procedures, up to policy maximum
» Terminal illness/palliative care, up to US$75,000 per lifetime

Other benefits include:
» Emergency dental treatment, up to policy maximum
» Emergency non-elective treatment outside the geographical area of coverage, up to policy maximum for injuries, up to US$50,000 for illnesses, up to US$500 for outpatient hospital visits
» Emergency transportation by ground ambulance, up to policy maximum
» Hospital cash benefit, up to US$300 per night (maximum of 30 nights)
» Passive war and terrorism, up to policy maximum
» Second Medical Opinion VIP (access to medical opinion of internationally renowned experts from around the world)

Note that this is a summary of the coverage options and there may be some other limitations and exclusions, specific details can be obtained by contacting us and speaking with a BrokerFish representative.

GLOBAL FLEX VIP SUPERIOR

Maximum cover per person, per policy year of US$4,000,000 and Age limit for application of up to 74 years
Geographical cover options: worldwide including USA elective treatment, worldwide excluding USA, Africa, Asia and Indian sub-continent with specific area restrictions.

Inpatient benefits include:
» Adult companion accommodation (related to a covered hospitalization of an insured child under age 18) up to policy maximum
» Psychiatric treatment up to policy maximum (maximum of 30 days)
» Standard private room (room and board) 100% UCR, up to policy maximum

Outpatient benefits include:
» Day-care treatment, up to policy maximum
» General practitioner and specialist fees, up to policy maximum (pre and post-operative only, up to 15 days before or after inpatient treatment)
» Nursing care at home, up to policy maximum (maximum of 30 days)
» Outpatient surgery, up to policy maximum
» Prescription drugs, up to policy maximum (pre and post-operative only, up to 15 days before or after inpatient treatment)

Maternity benefits include:
» Maternity and birth complications, up to policy maximum
» New-born cover, up to US$50,000

Medical evacuation benefits include:
» Emergency transportation by ground ambulance, up to policy maximum

Other general benefits include:
» Congenital conditions after 30 days from birth, up to US$50,000
» Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans), up to policy maximum
» External prostheses, up to US$1,000 per policy year
» HIV-AIDS treatment, up to US$50,000
» Oncology treatments (cancer tests, drugs, and treatment), up to policy maximum
» Organ transplant (per organ/tissue, per lifetime), full refund including US$50,000 for donor costs
» Prescribed physical therapy and rehabilitation, up to policy maximum (maximum of 30 days per medical condition)
» Reconstructive surgery, up to policy maximum
» Renal failure and dialysis, up to policy maximum
» Surgical procedures, up to policy maximum
» Terminal illness/palliative care, up to US$50,000 per lifetime

Other benefits include:
» Emergency dental treatment, up to policy maximum
» Emergency non-elective treatment outside the geographical area of coverage, up to policy maximum for injuries, up to US$50,000 for illnesses, up to US$500 for outpatient hospital visits
» Emergency transportation by ground ambulance, up to policy maximum
» Hospital cash benefit, up to US$250 per night (maximum of 30 nights)
» Passive war and terrorism, up to policy maximum
» Second Medical Opinion VIP (access to medical opinion of internationally renowned experts from around the world)

Note that this is a summary of the coverage options and there may be some other limitations and exclusions, specific details can be obtained by contacting us and speaking with a BrokerFish representative.

GLOBAL FLEX VIP ULTRA

Maximum cover per person, per policy year of US$4,500,000 and Age limit for application of up to 74 years
Geographical cover options: worldwide including USA elective treatment, worldwide excluding USA, Africa, Asia and Indian sub-continent with specific area restrictions.

Inpatient benefits include:
» Adult companion accommodation (related to a covered hospitalization of an insured child under age 18) up to policy maximum
» Psychiatric treatment up to policy maximum (maximum of 30 days)
» Standard private room (room and board) 100% UCR, up to policy maximum

Outpatient benefits include:
» Complementary therapy including physiotherapy, traditional chinese medicine (TCM) and ayurvedic treatment, up to policy maximum, pre-authorisation required after 10 sessions
» Day-care treatment, up to policy maximum
» General practitioner and specialist fees, up to policy maximum
» Hormone replacement therapy to relieve the symptoms of menopause, up to US$350
» Nursing care at home, up to policy maximum, maximum of 120 days
» Outpatient surgery, up to policy maximum
» Prescription drugs, up to policy maximum
» Psychiatric treatment, up to US$7,500
» Travel vaccinations and preventive medication, e.g. against malaria, up to US$350

Maternity benefits include:
» Maternity and birth complications, up to policy maximum
» Maternity care, up to US$15,000
» New-born cover, up to US$125,000

Medical evacuation benefits include:
» Emergency transportation by air ambulance & emergency medical evacuation, up to policy maximum
» Repatriation of mortal remains, up to policy maximum, US$15,000 for burial or cremation costs

General benefits (The following benefits offer the same cover for both inpatient and out-patient procedures) include:
» Congenital conditions after 30 days from birth, up to US$125,000
» Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans), up to policy maximum
» External prostheses, up to US$1,500 per policy year
» HIV-AIDS treatment, up to US$75,000
» Oncology treatments (cancer tests, drugs, and treatment), up to policy maximum
» Organ transplant (per organ/tissue, per lifetime), full refund including US$75,000 for donor costs
» Prescribed physical therapy and rehabilitation, up to policy maximum (maximum of 90 days per medical condition)
» Reconstructive surgery, up to policy maximum
» Renal failure and dialysis, up to policy maximum
» Surgical procedures, up to policy maximum
» Terminal illness/palliative care, up to US$75,000 per lifetime

Other benefits include:
» Emergency dental treatment, up to policy maximum
» Emergency non-elective treatment outside the geographical area of coverage, up to policy maximum for injuries, up to US$75,000 for illnesses, up to US$750 for outpatient hospital visits
» Emergency transportation by ground ambulance, up to policy maximum
» Hospital cash benefit, up to US$375 per night (maximum of 90 nights)
» Passive war and terrorism, up to policy maximum
» Second Medical Opinion VIP (access to medical opinion of internationally renowned experts from around the world

Note that this is a summary of the coverage options and there may be some other limitations and exclusions, specific details can be obtained by contacting us and speaking with a BrokerFish representative.

GLOBAL FLEX VIP TOTAL

Maximum cover per person, per policy year of US$3,500,000 and Age limit for application of up to 74 years
Geographical cover options: worldwide including USA elective treatment, worldwide excluding USA, Africa, Asia and Indian sub-continent with specific area restrictions.

Inpatient benefits:
» Adult companion accommodation (related to a covered hospitalization of an insured child under age 18) Up to policy maximum
» Psychiatric treatment Up to policy maximum, max. of 30 days
» Standard private room (room and board) 100% UCR, up to policy maximum

Outpatient benefits:
» Day-care treatment Up to policy maximum
» General practitioner and specialist fees Up to policy maximum (pre and post-operative only, up to 15 days before or after inpatient treatment)
» Nursing care at home Up to policy maximum (maximum of 30 days)
» Outpatient surgery Up to policy maximum
» Prescription drugs Up to policy maximum (pre and post-operative only, up to 15 days before or after inpatient treatment)

Maternity benefits:
» Maternity and birth complications Up to policy maximum
» New-born cover Up to US$50,000

Other general benefits:
» Congenital conditions after 30 days from birth Up to US$50,000
» Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans) Up to policy maximum
» External prostheses Up to US$1,000 per policy year
» HIV-AIDS treatment Up to US$50,000
» Oncology treatments (cancer tests, drugs, and treatment) Up to policy maximum
» Organ transplant (per organ/tissue, per lifetime) full refund including US$50,000 for donor costs
» Prescribed physical therapy and rehabilitation Up to policy maximum (maximum of 30 days per medical condition)
» Reconstructive surgery Up to policy maximum
» Renal failure and dialysis Up to policy maximum
» Surgical procedures Up to policy maximum
» Terminal illness/palliative care Up to US$50,000 per lifetime

Other benefits include:
» Emergency dental treatment Up to policy maximum
» Emergency non-elective treatment outside the geographical area of coverage up to policy maximum for injuries, up to US$50,000 for illnesses, up to US$500 for outpatient hospital visits
» Emergency transportation by ground ambulance Up to policy maximum
» Hospital cash benefit Up to US$250 per night (maximum of 30 nights)
» Passive war and terrorism Up to policy maximum
» Second Medical Opinion VIP (access to medical opinion of internationally renowned experts from around the world) include in policy

Note that this is a summary of the coverage options and there may be some other limitations and exclusions, specific details can be obtained by contacting us and speaking with a BrokerFish representative.

VUMI Global Group plans for companies and organizations

VUMI® Global Services FZ-LLC also offers group insurance plans for companies and organizations looking to provide comprehensive health coverage for their employees. These group plans come with various underwriting options to fit the unique needs of the group.

The group plans have flexible options and can be tailored to suit the specific needs of the group and their employees, providing comprehensive coverage and unique benefits. With VUMI, businesses can choose from a wide range of plans, including GLOBAL FLEX VIP BASIC, which offers a maximum cover per person, per policy year of US$3,000,000 to USD 5,000,000 and age limit for application of up to 74 years.

This plan also offers several other benefits such as worldwide coverage, Inpatient benefits, Outpatient benefits, Maternity benefits, Medical evacuation benefits, Congenital conditions, and Diagnostic study services.

Through VUMI’s partnership with various international healthcare companies such as The Henner Group, Inter Mutuelles Assistance, Jackson International, Aetna, ProAct and BDO, the group plan is able to provide a comprehensive and holistic approach to the group’s healthcare needs.

With VUMI’s group insurance plans, businesses can ensure that their employees have the protection and support they need in any situation, and VUMI’s commitment to providing exceptional VIP medical services with a human touch makes for a smart investment in the health and well-being of the workforce.

Table of Benefits

Policy Wording

Exclusions