Why we like it:
An excellent Senior Expatriate Medical Insurance option, Vumi is good for those ages 60-90 looking for a full-featured, comprehensive international health insurance plan. We like its high maximum lifetime benefit of $3,000,000USD, the fact that both U.S. and non-U.S. can sign up for this plan, as well as its network, including Aetna in the USA.
Note: The portal and application is available in English, Spanish and Portuguese. If you are a non-U.S. citizen, you can select “Exclude coverage in USA” to save even more on the rate.
Good For
- U.S. and non-U.S. between 60 to 90 years young
- Up to $3 million in long-term international health insurance
- Three deductible options
- Emergency medical evacuation benefit up to $30,000
Plan Details
For both U.S. and non-U.S. citizens worldwide. If non-U.S. you can choose to “Exclude coverage in USA” to lower your rate.
Coverage outside the United States (excluding Brazil) – 100% with free choice of Doctors and Hospitals
Coverage in the United States – 100% with exclusive coverage in Hospitals in the “USA Special Network”
• Emergencies: 100% coverage without restriction of hospitals
Medical, in-patient, hospitalization,…
Outpatient surgery (everything included)
Cancer treatment (chemotherapy and radiotherapy)
Physical therapy and rehabilitation (inpatient or outpatient)
Emergency transportation by ground ambulance
Emergency transportation by Air Ambulance
Emergency dental coverage
Repatriation of mortal remains
Palliative Care for terminal cases
Preventive Medical Check-up
Home health care and private nurse
Second Medical Opinion
– VIP Access to the medical opinion of internationally renowned experts from around the world regarding a condition, without Deductible All benefits with 100% coverage are up to the policy limit.
See brochure for a complete list of medical and travel benefits
Waiting period – 30 days
Maximum lifetime benefit – $3,000,000USD
Deductible Options:
Option 1- Outside USA US $3,000, Inside the USA US $5,000
Option 2 – US $10,000
Option 3 – US $20,000
Eligibility
When applying for coverage, the Applicant and his/her Spouse must be at least sixty (60) and no more than ninety (90) years old.
There is no maximum age for the renewal of this Policy by the Policyholder, his/her Spouse or Domestic Partner.
FAQs and Answers
Emergency medical evacuation
- Emergency medical insurance up to $30,000 without deductible, per insured, per policy year.
- The following requirements must be met
- The medical condition must be covered by this policy and the treatment required cannot be provided, or is not available in any manner in the area or place where the insured finds himself/herself at that moment.
- The transportation will be authorized to the closest location where the insured can receive treatment by qualified entities.
- The transportation is to be provided by the entity licensed for such purposes.
- The air-ambulance transportation must be pre-authorized and coordinated in advance with the Company.
How many months does a policyholder have in the U.S. each policy year?
- The insured may spend up to 180 days out of the 365 days period in the United States or any of its territories.
- If the policyholder spends more than what is stated above the policy will be cancelled.
- This is due to the rules of the Affordable Care Act (ACA) where an international / expatriate medical insurance may not take the place of an ACA medical insurance policy here in the United States.
Policyholders can use their Special Network in the U.S. or Aetna’s network
- You may use their network or…
- You may also use the Aetna network here in the U.S.
Non-U.S. citizens can also use this policy
“Is this expatriate medical insurance policy only for U.S. citizens residing outside the U.S. or for non-U.S. residents / citizens reside outside their home country?”
This expatriate medical insurance may be used for
- U.S. citizens residing outside the U.S.
- Non-U.S. citizens residing outside their country of citizenship
- Non-U.S. citizens residing in their own country of citizenship.
Must be between the ages of 60 – 90 years young to apply.
If I have U.S. Medicare insurance and are in the U.S. for medical care does the Vumi Senior VIP policy pay first or is it secondary?
- When the insured has other insurance coverage, it must be disclosed to the Company when submitting the claim.
- The coverage under this Policy will act as secondary to any other Policy or healthcare plan.
- The company will provide benefits after the claims have been submitted to the primary insurance plan first and only when benefits payable under the primary Policy has been satisfied.
- Please ask our agents for more information.
Are rates based on where I will live?
- Yes, the premium is not only based on your age and deductible choice but also based on the location you will be residing.
- Please ask our agents for more information.
Here at Good Neighbor Insurance it is very important for us to connect with you.
As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!