What VUMI Group does

VUMI Group (legal entity VUMI Group, I.I.; operating brand VIP Universal Medical Insurance Group) is a privately held international private medical insurance (IPMI) provider headquartered in the United States with its principal operating office in Dallas, Texas and a US headquarters listed in Miami. The group offers multi-tiered individual, family, expatriate, corporate, and senior health and life insurance plans, with annual coverage limits ranging from US$1 million up to unlimited on the Absolute VIP plan, distributed through six core plans (Absolute VIP, Universal VIP, Special VIP, Special VIP Plus, Access VIP, Access VIP Plus), specialty plans (Optimum VIP, Senior VIP, Direct VIP, Prime VIP, Travel VIP), corporate health and group term life plans, an individual Term Life VIP product, and optional riders for maternity, organ transplant, and travel. Supporting services include the Telemedicine VIP platform (24/7 multi-language virtual consultations), Second Medical Opinion VIP via MediGuide, a 60,000+ US pharmacy network through VerusRx, and an exclusive International Patient Reception Center at Jackson Health System in Miami.

The technology stack centers on the MyVUMI insured portal and mobile app (iOS/Android), the Agent Central App and agent portal, the VUMI(Lab) agent e-learning platform, a website-based quote engine, and integration with regional administrators and provider networks including Aetna (1.1M+ US providers, 5,500 hospitals), AP Companies (37,700+ direct providers across 185 countries), Savitar Group, IMS, NHSI, and MediGuide. No public API or developer SDK is disclosed. VUMI markets through a global independent agent network described as 'the heart of the business,' supplemented by direct online quote flows, multilingual content (blog, Facebook, Instagram, LinkedIn, YouTube), and a consistent stream of Stevie, Hermes, Marcom, and Digital Health Awards.

VUMI generates revenue through annual recurring insurance premiums on subscription contracts, priced by plan tier, deductible (US$1,000–US$20,000), coverage limit, age, and geography. The group serves customers in 100+ countries through wholly-owned subsidiaries (NHSI cost containment, IMS PPO network, Assured Benefits Administrators, Dallas Risk Management, VerusRx, Epic Health Solutions, VUMILATINA Ecuador, VUMI Global Services FZ-LLC UAE) and joint regional partners (VUMI Canada with Humania Assurance, VUMI Panama with La Regional de Seguros). The group employs 425+ staff of multiple nationalities across global offices and has no disclosed external institutional investors or private equity backing.

Name

VUMI Group

Legal name

VUMI Group, I.I.

Website

https://vumigroup.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

251–500 employees

Short description

VUMI Group is a private international health and life insurer selling multi-tier IPMI plans, telemedicine, and second-opinion services to individuals, families, expatriates, and corporate clients across 100+ countries through a global independent agent network and regional operating subsidiaries.

Ownership category

akta.pro rank

Product category

International Private Medical Insurance (IPMI)

NAICS

Health and Welfare Funds (525120), Health Care and Social Assistance (62)

SIC

Services-Health Services (8000), Hospital & Medical Service Plans (6324)

akta.pro primary industry

General Medical Virtual Primary Care (Payer-Branded) (HLALACAA)

akta.pro secondary industries

Primary Care & General Medicine Virtual Care (HLALAAAA), Chronic Condition Virtual Care & Disease Management (Payer-Sponsored) (HLALACAE), Chronic Condition Management & Remote Monitoring (e.g., diabetes, HTN) (HLALADAD)

Keywords

• International health insurance
• Private medical insurance
• VIP health plans
• Group life insurance
• Travel medical insurance

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. International Private Medical Insurance (IPMI) Premiums: VUMI generates revenue primarily through annual insurance premiums charged to individuals, families, and corporate clients for international health insurance coverage. Plans include various deductible options and coverage levels ranging from $1 million to $7 million annual coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

VUMI Group provides international private medical insurance (IPMI) products and complementary services to individuals, families, and corporate clients across more than 100 countries. Core offerings include a tiered portfolio of VIP health plans (Absolute VIP, Universal VIP, Special VIP, Access VIP and Plus variants) with annual coverage from US$2M to unlimited, specialty plans for seniors, chronic conditions and travelers, corporate group health and term life plans, and value-added services such as Telemedicine VIP, Second Medical Opinion VIP through MediGuide, emergency evacuation and repatriation, pharmacy access via the VerusRx network of 60,000+ US pharmacies, and digital tools including the MyVUMI portal and mobile app.

Product overview

VUMI Group operates as an international private medical insurance (IPMI) provider offering a multi-tiered portfolio of health and life insurance products. Its core product line consists of six core health plans — Absolute VIP (unlimited coverage), Universal VIP (US$5M annual), Special VIP (US$3M annual), Access VIP (US$2M annual), and their Plus variants — supplemented by specialty plans including Optimum VIP (chronic conditions), Senior VIP (seniors), Direct VIP, Prime VIP, and Travel VIP (digital-first travel insurance with telemedicine as first clinical contact). Corporate group health and life plans serve business clients. The product ecosystem is reinforced by digital platforms (MyVUMI insured portal and mobile app for iOS/Android), value-added services (Telemedicine VIP, Second Medical Opinion VIP with MediGuide, Convenience Clinics, Pharmacy Search via VerusRx network of 60,000+ US pharmacies), and optional riders for maternity, organ transplant, and travel coverage. The company emphasizes VIP service quality, proprietary provider networks, and digital-first engagement across its product suite.

Differentiator

Problem solved

Functional benefit

Brands

• Travel VIP: Travel insurance product with telemedicine as first point of clinical contact, covering medical emergencies during travel
• Absolute VIP
• Universal VIP
• Special VIP
• Special VIP Plus
• Access VIP
• Access VIP Plus
• Optimum VIP
• Senior VIP
• Direct VIP
• Prime VIP
• MyVUMI
• VUMI(Lab)
• Agent Central App

Products and services

• Absolute VIP Most innovative VUMI health plan offering unlimited annual coverage for all health needs, with worldwide coverage and free choice of physicians and hospitals. Built for high-net-worth individuals and families seeking maximum protection.
• Universal VIP Most comprehensive core health plan with US$5M annual coverage, worldwide coverage with free choice of physicians and hospitals, VIP service benefits, and multiple deductible option tiers (Options I–V). For individuals and families seeking comprehensive international coverage.
• Special VIP Core health plan covering essential health needs with US$3M annual coverage, including hospital, outpatient, and preventive care benefits with deductible options ranging from US$1,000 to US$20,000. Consolidates the Special VIP Plus enhanced variant for the same essential coverage category.
• Access VIP Complementary entry-level international health insurance plan with US$2M annual coverage, providing fundamental VIP health benefits. Consolidates the Access VIP Plus enhanced variant.
• Optimum VIP Specialty health plan offering protection for specific chronic conditions with annual coverage up to US$1M. Designed for individuals with or at risk of chronic health conditions who need ongoing management.
• Senior VIP Specialty health plan offering extensive lifetime coverage of US$3M for seniors, with benefits tailored to age-related healthcare needs.
• Direct VIP Specialty health plan offering US$5M annual coverage for hospitalization and essential outpatient treatments, providing direct access to medical care for individuals seeking focused hospital-grade protection.
• Prime VIP Specialty health plan offering a wide range of benefits with US$5M lifetime coverage across multiple benefit categories, designed for individuals seeking comprehensive long-term protection.
• Travel VIP Digital-first travel insurance product centered on telemedicine as the first point of clinical contact, offering virtual medical consultations, prescription capabilities, and self-service tools for travelers. Demonstrated a 22% reduction in total claims cost and 20% improvement in loss ratio in 2025 vs. 2024.
• Term Life VIP Term life insurance plan providing financial protection for family members in case of the insured's death, available to individuals aged 25–65 with an active VUMI health insurance policy. Maximum renewal age is 74; medical exams may be required based on age and coverage requested.
• Corporate Health Plans Group health insurance plans offered to corporate clients providing international health coverage for employees with the same VIP service benefits as individual plans. Includes group plan structuring, billing, and dedicated account management.
• Group Term Life VIP Corporate group term life insurance offering coverage for employees under a group policy structure, allowing employers to provide life insurance benefits alongside group health benefits.
• Telemedicine VIP Service Virtual medical consultation service available via phone or video conference, accessible 24/7 worldwide in multiple languages with no deductible. Doctors contact insureds within 15 minutes to 1 hour. Prescription medications available for US-based consultations.
• Second Medical Opinion VIP Medical second opinion service delivered through a partnership with MediGuide. A panel of world-class experts reviews complex cases to confirm or revise diagnoses and treatment plans. Proven outcomes include 15% major change to original diagnosis, 86% recommendation for significant treatment change, 35% avoidance of surgery, and 99% patient recommendation rate.
• MyVUMI Insured Portal and Mobile App Secured 24/7 digital platform providing insureds access to policy information, documents (membership cards, certificates of coverage), medical notifications, and claims submission. Available as a mobile app on iOS and Android and as a web portal, serving as the primary digital engagement channel for all VUMI policyholders.
• Pharmacy Search (VerusRx Network) Pharmacy locator tool powered by VerusRx, an affiliated pharmacy benefit management company with a network of over 60,000 pharmacies across the United States. Allows insureds to find nearby in-network pharmacies for prescription medications.
• Convenience Clinics Walk-in urgent care clinics available in the VUMI provider network for treating minor medical conditions such as infections, allergies, and minor injuries. Included on all medical plans with no deductible and extended service hours.
• Riders (Coverage Add-ons) Optional additional coverage riders including the Maternity Complications and Newborn Rider (for Prime VIP), Organ Transplant Rider (for Special VIP and Prime VIP), and Organ Transplant Rider (for Senior VIP). Available as optional enhancements to select base plans.

Quantifiable outcome

• 22% reduction in total claims cost and 20% improvement in loss ratio for Travel VIP model (2025 vs 2024)
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Savitar GroupcoreStrategic or Co-development PartnerInternational medical assistance company with extensive experience in Europe and Asia providing assistance services to VUMI policyholders.
• AP CompaniescoreStrategic or Co-development PartnerLargest independent medical assistance company with vast network of medical providers in 185 countries and more than 37,700 direct providers.
• AetnacoreTechnology or IntegrationOne of the largest US health benefits companies founded in 1853. Aetna's hospital network includes more than 1.1 million healthcare professionals and 5,500 hospitals across the US.
• BDOminorImplementation/ SI/ Consulting PartnerInternational leading consulting organization providing financial advisory and accounting services. Has a global network of 1,328 offices in 151 countries.
• National Healthcare Solutions, Inc. (NHSI)coreStrategic or Co-development PartnerInternational cost containment company serving many of the world's largest health insurance companies.
• Independent Medical Systems (IMS)coreTechnology or IntegrationUS Preferred Provider Organization (PPO) network that also provides PPO administration services.
• Jackson International / Jackson Health SystemcoreStrategic or Co-development PartnerConnects patients needing specialized treatments with one of the most prestigious US health systems. VUMI formed partnership for International Patient Reception Center at Jackson Memorial Hospital in Miami, offering exclusive VIP services, first-class hospital services, luxury waiting rooms, and 24/7 hospitality coordinators.
• MediGuide InternationalcoreTechnology or IntegrationUS-based provider of world-class medical second opinions. VUMI offers Second Medical Opinion VIP service in partnership with MediGuide.
• WA GlobalityminorImplementation/ SI/ Consulting PartnerExternal administrator in Brazil providing local administrative services.
• Assured Benefits AdministratorsminorImplementation/ SI/ Consulting PartnerThird-party administrator providing healthcare administrative services to small and medium companies in the US.
• Dallas Risk ManagementminorImplementation/ SI/ Consulting PartnerFull-service managing general administrator of loss evaluation assessments for coverage containment for employers.
• La Regional de SeguroscoreChannel Partner/ Reseller/ DistributorStrategic alliance in Panama providing local and international medical coverage to individuals and companies.
• Humania AssurancecoreChannel Partner/ Reseller/ DistributorPartnership for VUMI Canada offering worldwide medical coverage to expand healthcare options for Canadians.
• VerusRxcoreTechnology or IntegrationPharmacy benefit management company with network of over 60,000 affiliated pharmacies across the US. Integrates pharmacy data with medical management process for clinically appropriate therapies.
• Epic Health SolutionscoreStrategic or Co-development PartnerProvides unique integrated network solutions, healthcare management administration and medical assistance for international customers in the Americas.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Cigna Global Health: Cigna Global Health is one of the world's largest international private medical insurance providers, offering expatriate and global employee health coverage in 200+ countries. Directly comparable to VUMI as a full-line IPMI carrier for individuals, families, and corporate clients, but with substantially deeper capital, broader provider networks, and brand recognition.
• Bupa Global: Bupa Global is a leading IPMI carrier serving expatriates and international travelers across multiple regions, with comprehensive plans and value-added health services. Comparable to VUMI as an established multi-region health insurer with premium positioning, but larger and more globally diversified.
• Allianz Care: Allianz Care provides international health, life, and disability insurance for individuals, families, and corporate groups, with strong presence in Europe, Middle East, and Latin America. Comparable to VUMI's multi-regional IPMI offering and corporate client focus, but backed by the broader Allianz Group balance sheet.
• Aetna International: Aetna International is the global health benefits arm of CVS Health, serving expatriate employees and multinationals in 200+ countries. Comparable to VUMI in customer segment and global reach, and notably a partner of VUMI's, but materially larger and backed by a US-domestic health insurance giant.

Direct peers

• GeoBlue: GeoBlue provides international health and travel insurance primarily for expatriates, frequent travelers, and globally mobile individuals, with extensive Blue Cross Blue Shield network access in the US. Directly comparable to VUMI in target customer (expatriates and travelers), VIP service model, and international coverage scope, with similar focus on second-opinion and telemedicine services.
• International Medical Group (IMG): IMG offers international private medical insurance and travel insurance products to individuals, families, and groups across more than 190 countries. Directly comparable to VUMI in product structure (multi-tiered health plans), target customer (expatriates and globally mobile individuals), and global distribution model.
• Now Health International: Now Health International provides international health insurance for individuals, families, and SMEs across Asia Pacific, the Middle East, Europe, and the Americas. Comparable to VUMI in tiered plan structure, multi-region service model, and focus on digital customer engagement (app-based claims and policy management).
• William Russell: William Russell offers international health, life, and income protection insurance for expatriates and globally mobile individuals in 160+ countries. Directly comparable to VUMI in customer segment, multi-tier plan structure, and emphasis on premium service quality and global provider choice.
• Globality Health: Globality Health is an international health insurer serving expatriates, individuals, and corporate clients with multi-region coverage and digital service platforms. Comparable to VUMI in product structure and target customer, with similar focus on premium service and digital-first engagement.
• Integra Global: Integra Global provides international private medical and life insurance for expatriates, individuals, and groups in 180+ countries. Comparable to VUMI in customer segment, multi-tier plan design, and emphasis on high-net-worth service standards.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/VUMIGroup
• Facebookfacebook.com/VUMIGroup
• LinkedInlinkedin.com/company/vumi-group-ltd-/mycompany/verification
• Instagraminstagram.com/vumi_group
• Xx.com/vumigroup

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about VUMI Group