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International Health Insurance VUMI


HampiK

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Hello,

I would like to know if anybody know about this Insurance company *VUMI*.

I have Cigna International (Silver plan) right now and was looking for other Insurances like April for example. Then I came to the VUMI, which has according to their website similar benefits as Cigna or April.. but a yearly limit of 3 million US$ (VuMI Global Flex Basic).

They state their are under UK Law, which seems good. But as I not that knowledable in health things (never used a hospital in the last 30 years, but who knows about the future), I wanted to see if maybe someone has any knowledge about them.

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Try Mr Google

 

Reviews and Quotations come up.

 

https://www.vumiglobal.com/

 

Looks like they don't include Thailand

 

Asia area of cover restriction
For insureds residing in Armenia, Azerbaijan, Brunei, Cambodia, Georgia, Indonesia, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Myanmar, Mongolia, the Philippines, Tajikistan, Thailand, Timor-Leste (East Timor), Turkey, Turkmenistan, Uzbekistan and Vietnam, the Asia area of cover restriction will include Singapore but exclude Mainland China, Hong Kong, Japan, and South Korea.

Edited by KannikaP
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31 minutes ago, KannikaP said:

Try Mr Google

 

Reviews and Quotations come up.

 

https://www.vumiglobal.com/

 

Looks like they don't include Thailand

 

Asia area of cover restriction
For insureds residing in Armenia, Azerbaijan, Brunei, Cambodia, Georgia, Indonesia, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Myanmar, Mongolia, the Philippines, Tajikistan, Thailand, Timor-Leste (East Timor), Turkey, Turkmenistan, Uzbekistan and Vietnam, the Asia area of cover restriction will include Singapore but exclude Mainland China, Hong Kong, Japan, and South Korea.

Thailand is included...

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33 minutes ago, richard_smith237 said:

They do.

 

They’re known and as established as any of the other companies such as April. 

 

My Wife and Son have been covered with VUMI for the last two years. 

We were all covered with April before that until they *reneged on preauthorisation for treatment I received (I ended up paying out of pocket). 

 

VUMI have been decent, Wife has received treatment with no issues with the claims (direct settlement at the hospital). 

 

 

*I’d been pre-authorised for treatment to remove a kidney stone.

I’d had a kidney stone ‘pass’ 5 year before that, which was in my medical notes. 

April considered a second kidney stone a pre-existing condition and refused to pay for the treatment.

Thanks for the positive Information. I am still considering. 

- Higher yearly limit, cheaper annual costs (compared to April, Cigna)

- Starting Insurance at age of 75 (maybe interesting for some older guys with no preconditions)
 

 

@richard_smith237 the direct billing, are there many hospitals in the list in Thailand (Bangkok)?

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3 hours ago, richard_smith237 said:

They do.

 

They’re known and as established as any of the other companies such as April. 

 

My Wife and Son have been covered with VUMI for the last two years. 

We were all covered with April before that until they *reneged on preauthorisation for treatment I received (I ended up paying out of pocket). 

 

VUMI have been decent, Wife has received treatment with no issues with the claims (direct settlement at the hospital). 

 

 

 

 

 

*I’d been pre-authorised for treatment to remove a kidney stone.

I’d had a kidney stone ‘pass’ 5 year before that, which was in my medical notes. 

April considered a second kidney stone a pre-existing condition and refused to pay for the treatment.

 

 

 

 

Which April did you have?

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1 hour ago, scubascuba3 said:

Isn't April International the Thai company? rather than April Global (France)

April Int'l UK is underwritten by AXA-XL.

 

1. If your insurance is contracted from outside of the EU/EEA the product is designed, administered and distributed by APRIL International UK and insured by either AXA XL Insurance Company UK Limited or AXA XL Underwriting Agencies Limited.

 

https://uk.april-international.com/en/living-abroad/long-term-international-health-plan

 

April Int'l Thailand:

 

MyHEALTH is underwritten by LMG Insurance Public Company Limited and arranged and administered by APRIL Assistance (Thailand) Co Ltd. Sales are conducted by APRIL Brokerage (Thailand) Co Ltd.

 

https://asia.april-international.com/en/international-health-insurance/myhealth-thailand

 

 

 

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14 minutes ago, jerrymahoney said:

April Int'l UK is underwritten by AXA-XL.

 

1. If your insurance is contracted from outside of the EU/EEA the product is designed, administered and distributed by APRIL International UK and insured by either AXA XL Insurance Company UK Limited or AXA XL Underwriting Agencies Limited.

 

https://uk.april-international.com/en/living-abroad/long-term-international-health-plan

 

April Int'l Thailand:

 

MyHEALTH is underwritten by LMG Insurance Public Company Limited and arranged and administered by APRIL Assistance (Thailand) Co Ltd. Sales are conducted by APRIL Brokerage (Thailand) Co Ltd.

 

https://asia.april-international.com/en/international-health-insurance/myhealth-thailand

 

 

 

That's right. April is an insurance broker, not an insurance company.  One needs to drill down to see who is the insurer in order to determine claims-paying attitude and also insurer security.

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1 hour ago, jerrymahoney said:

April Int'l UK is underwritten by AXA-XL.

 

1. If your insurance is contracted from outside of the EU/EEA the product is designed, administered and distributed by APRIL International UK and insured by either AXA XL Insurance Company UK Limited or AXA XL Underwriting Agencies Limited.

 

https://uk.april-international.com/en/living-abroad/long-term-international-health-plan

 

April Int'l Thailand:

 

MyHEALTH is underwritten by LMG Insurance Public Company Limited and arranged and administered by APRIL Assistance (Thailand) Co Ltd. Sales are conducted by APRIL Brokerage (Thailand) Co Ltd.

 

https://asia.april-international.com/en/international-health-insurance/myhealth-thailand

 

 

 

Many people here seem to have the April Global (France) which you've not mentioned?

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About APRIL  International
APRIL International is the brand which carries the APRIL group’s mobility offerings (international health insurance and travel insurance). APRIL International Care France, an insurance intermediary registered with ORIAS under number 07 008 000, designs, distributes and manages insurance solutions and assistance services for individuals, travellers, expatriates and businesses. 

 

https://fr.april-international.com/en/about-us

 

Article 16. LANGUAGE

 

These statutes are in French. If they are translated into other languages, only the French version is
binding. 

 

https://fr.april-international.com/sites/france/files/2022-12/MyHealth International_General Conditions_2023.pdf

Edited by jerrymahoney
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  • 2 weeks later...
On 12/9/2022 at 1:05 PM, Etaoin Shrdlu said:

That's right. April is an insurance broker, not an insurance company.  One needs to drill down to see who is the insurer in order to determine claims-paying attitude and also insurer security.

On the bottom of the WrLife COVERS page it says: 

FRANCE : WRLIFE, L’assurance Participative SAS, 143 avenue de Kéradennec 29334 Quimper Cedex. Insurance broker ORIAS number 16000457

 

https://www.wrlife.net/pdf_files/SUMMARY OF INSURANCE COVERS ENGLISH.pdf


So who is ORIAS 16000457? 

_____________________ (start verbatim from website)

 

Licensed broker 16000457 · www.orias.fr 

AG SERVICES INSURANCE AGENCY

https://www.ag-service.org/

Contact us today for a quote 

[email protected]


MEDICAL INSURANCE FOR EXPATRIATES

We provide a large range of medical insurance for expatriates (individuals and corporates). 

 

We are specialized in niche market and specific insurance covers : cargo, expatriates, special liabilities, terrorism, kidnapping.

 

We also provide traditional covers


ABOUT US

 

https://www.ag-service.org/about-us

 

image.jpeg.a8bcbe1e63cca9335d60c709900d0b8c.jpeg

 

Meet or call your advisor: Patrick LORENTZ

 

Specialist in medical insurance for expatriates since June 2000. Was expatriated 19 years in Thailand, created 9 brokerages in South East Asia with 5,000 customers, has a 17,000 people database in Asia, lives between Brittany in France, Cambodia and Thailand.

 

Already created 1 product with a major master broker.

Helped a master broker and a major insurance group to review one cover and the rates.

 

Also collaborates with the Lloyd’s of London for big covers.

__________________________ (end verbatim)

Edited by jerrymahoney
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3 minutes ago, jerrymahoney said:

On the bottom of the WrLife COVERS page it says: 

FRANCE : WRLIFE, L’assurance Participative SAS, 143 avenue de Kéradennec 29334 Quimper Cedex. Insurance broker ORIAS number 16000457

 

https://www.wrlife.net/pdf_files/SUMMARY OF INSURANCE COVERS ENGLISH.pdf


So who is ORIAS 16000457? 

_____________________ (start verbatim from website)

 

Licensed broker 16000457 · www.orias.fr 

AG SERVICES INSURANCE AGENCY

https://www.ag-service.org/

Contact us today for a quote 

[email protected]


MEDICAL INSURANCE FOR EXPATRIATES

We provide a large range of medical insurance for expatriates (individuals and corporates). 

 

We are specialized in niche market and specific insurance covers : cargo, expatriates, special liabilities, terrorism, kidnapping.

 

We also provide traditional covers

 

https://www.ag-service.org/about-us

 

image.jpeg.a8bcbe1e63cca9335d60c709900d0b8c.jpeg

 

Meet or call your advisor: Patrick LORENTZ

 

Specialist in medical insurance for expatriates since June 2000. Was expatriated 19 years in Thailand, created 9 brokerages in South East Asia with 5,000 customers, has a 17,000 people database in Asia, lives between Brittany in France, Cambodia and Thailand.

 

Already created 1 product with a major master broker.

Helped a master broker and a major insurance group to review one cover and the rates.

 

Also collaborates with the Lloyd’s of London for big covers.

__________________________ (end verbatim)

The following is not very reassuring:

 

https://www.wrlife.net/pdf_files/PARTICIPATIVE POLICY ENGLISH.pdf

 

 

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22 minutes ago, jerrymahoney said:

 


So who is ORIAS 16000457? 

_____________________ (start verbatim from website)

 

 

 

 

This is the registration number given by the ORIAS, the French registrar of insurance brokers, banks and other financial intermediaries. To me, this indicates that WR Life is registered in France with ORIAS as an insurance broker. 

 

https://www.orias.fr

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I went on VUMI website and filed in my details for a quote. A WEEK LATER, I got a call from Pacific Prime Brokers in Bangkok who subsequently emailed me premiums for VUMI and other policies. VUMI was far too expensive, for me anyway.

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4 minutes ago, KannikaP said:

I went on VUMI website and filed in my details for a quote. A WEEK LATER, I got a call from Pacific Prime Brokers in Bangkok who subsequently emailed me premiums for VUMI and other policies. VUMI was far too expensive, for me anyway.

That would lead me to believe that VUMI has some sort of agreement with Pacific Prime to act on their behalf for clients in Thailand. Nothing particularly unusual about that, but did you agree that VUMI could release your personal information to Pacific Prime when you filled in your info on VUMI's website? Perhaps there is wording when you submit your info that you agree that VUMI can release it to their business partners.

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2 minutes ago, Etaoin Shrdlu said:

That would lead me to believe that VUMI has some sort of agreement with Pacific Prime to act on their behalf for clients in Thailand. Nothing particularly unusual about that, but did you agree that VUMI could release your personal information to Pacific Prime when you filled in your info on VUMI's website? Perhaps there is wording when you submit your info that you agree that VUMI can release it to their business partners.

I never saw anything saying that about releasing my info. Pacific Prime had got my details from previous 'encounters' anyway. I asked them to remove ALL my details, but am sure they will be back sometime soon. 

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