{"id":11065,"date":"2025-11-12T15:23:26","date_gmt":"2025-11-12T20:23:26","guid":{"rendered":"https:\/\/blog.vumigroup.com\/the-future-of-ipmi-insights-from-mcgrigor-group-and-vumi\/"},"modified":"2025-12-02T08:48:19","modified_gmt":"2025-12-02T13:48:19","slug":"o-futuro-do-ipmi-perspectivas-do-mcgrigor-group-e-da-vumi","status":"publish","type":"post","link":"https:\/\/blog.vumigroup.com\/pt-pt\/o-futuro-do-ipmi-perspectivas-do-mcgrigor-group-e-da-vumi\/","title":{"rendered":"O futuro do IPMI: perspectivas do McGrigor Group e da VUMI\u00ae"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11065\" class=\"elementor elementor-11065 elementor-10866\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-629d5ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"629d5ad\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-38ae60e\" data-id=\"38ae60e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e277ec elementor-widget elementor-widget-shortcode\" data-id=\"5e277ec\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><button id=\"listenButton1\" class=\"responsivevoice-button\" type=\"button\" value=\"Play\" title=\"ResponsiveVoice Tap to Start\/Stop Speech\"><span>&#128266; Ouvir o artigo<\/span><\/button>\n        <script>\n            listenButton1.onclick = function(){\n                if(responsiveVoice.isPlaying()){\n                    responsiveVoice.cancel();\n                }else{\n                    responsiveVoice.speak(\"O futuro do IPMI: perspectivas do McGrigor Group e da VUMI\u00ae A VUMI\u00ae conversou recentemente com James McGrigor, diretor executivo do McGrigor Group, uma das autoridades mais respeitadas do mundo no mercado de seguros m\u00e9dicos privados internacionais (IPMI). Desde 2008, as pesquisas globais do McGrigor Group t\u00eam sido uma fonte confi\u00e1vel para seguradoras, prestadores de servi\u00e7os, corretores e administradores terceirizados, pois oferecem uma profundidade incompar\u00e1vel sobre as tend\u00eancias do mercado. Sua \u00faltima edi\u00e7\u00e3o, a mais completa at\u00e9 o momento, tem 850 p\u00e1ginas e 550 gr\u00e1ficos, e abrange 25 dos maiores mercados do mundo. Nesta conversa, James McGrigor e Dominic Chu, que trabalhou extensivamente com o grupo em pesquisa e an\u00e1lise global, compartilharam sua perspectiva sobre as r\u00e1pidas mudan\u00e7as que est\u00e3o moldando o setor de seguros m\u00e9dicos internacionais (IPMI) e sobre o posicionamento da VUMI\u00ae como l\u00edder na Am\u00e9rica Latina e em outros territ\u00f3rios. (Leia tamb\u00e9m: \\\"VUMI\u00ae, o melhor Seguro Internacional de Sa\u00fade Privado (IPMI) do ano\\\"). A tecnologia impulsiona a mudan\u00e7a De acordo com McGrigor, o ritmo da transforma\u00e7\u00e3o digital est\u00e1 mudando a forma como os clientes e as seguradoras interagem. Desde cart\u00f5es de membro digitais que permitem o pagamento direto ao fornecedor at\u00e9 a apresenta\u00e7\u00e3o de reclama\u00e7\u00f5es por meio de aplicativos e o boom da telemedicina, as seguradoras est\u00e3o reinventando a experi\u00eancia do cliente. Embora muitos possam supor que esses avan\u00e7os aumentam os custos, McGrigor afirma que, embora isso possa ser verdade no curto prazo, no longo prazo acontece exatamente o contr\u00e1rio: \u201cAs seguradoras obt\u00eam um melhor controle, reduzem as despesas administrativas e, o mais importante, conseguem uma maior fidelidade dos clientes. \u00c9 uma situa\u00e7\u00e3o em que todos ganham no longo prazo\u201d. IA: da efici\u00eancia \u00e0 integra\u00e7\u00e3o completa da cadeia de valor A intelig\u00eancia artificial j\u00e1 desempenha um papel importante na automa\u00e7\u00e3o de sinistros, detec\u00e7\u00e3o de fraudes, subscri\u00e7\u00e3o e atendimento ao cliente. Para os pr\u00f3ximos cinco anos, McGrigor prev\u00ea que a IA se estender\u00e1 a toda a cadeia de valor dos seguros m\u00e9dicos privados internacionais: \u2742\u00a0 Os membros receber\u00e3o conselhos preventivos em tempo real com base em dados de dispositivos vest\u00edveis (wearables). \u2742\u00a0 Os fornecedores ser\u00e3o selecionados com base na otimiza\u00e7\u00e3o dos resultados e na transpar\u00eancia dos pre\u00e7os. \u2742\u00a0 Os TPAs evoluir\u00e3o para opera\u00e7\u00f5es totalmente impulsionadas pela IA, gerenciando tudo, desde a notifica\u00e7\u00e3o de incidentes at\u00e9 a liquida\u00e7\u00e3o de sinistros e assist\u00eancia p\u00f3s-sinistro. No entanto, McGrigor ressaltou que o \u201ctoque humano\u201d continua sendo fundamental: \u201cPara conseguir novos neg\u00f3cios e renova\u00e7\u00f5es, especialmente em mercados como o latino-americano, sempre ser\u00e1 necess\u00e1rio manter rela\u00e7\u00f5es s\u00f3lidas com os agentes\u201d. Personaliza\u00e7\u00e3o: o novo padr\u00e3o O recente lan\u00e7amento do MyVIP Care pela VUMI\u00ae, que permite aos segurados projetar planos de acordo com suas necessidades e or\u00e7amentos, reflete uma mudan\u00e7a mais ampla no setor. A personaliza\u00e7\u00e3o n\u00e3o \u00e9 mais opcional, \u00e9 uma expectativa. Embora os produtos personalizados possam reduzir as margens das seguradoras, McGrigor v\u00ea o lado positivo: \u201cA personaliza\u00e7\u00e3o promove a reten\u00e7\u00e3o, a fidelidade e melhores resultados em mat\u00e9ria de sa\u00fade. As seguradoras que n\u00e3o se adaptarem a isso n\u00e3o ter\u00e3o sucesso\u201d. Mobilidade global e segmentos emergentes Embora o entusiasmo pelos \u201cn\u00f4mades digitais\u201d possa ser exagerado (McGrigor estima que seu n\u00famero esteja mais pr\u00f3ximo de 4 milh\u00f5es em todo o mundo, em vez dos 40 milh\u00f5es que costumam ser citados), a mobilidade global est\u00e1 impulsionando a demanda em segmentos-chave. O crescimento \u00e9 especialmente forte entre: \u2742\u00a0 Jovens profissionais em miss\u00f5es internacionais de curta dura\u00e7\u00e3o. \u2742\u00a0 Aposentados e estudantes. \u2742\u00a0 Pequenas e m\u00e9dias empresas, muitas vezes com menos de 80 funcion\u00e1rios. \u2742\u00a0 Grandes contas corporativas no Oriente M\u00e9dio e na \u00c1sia. A McGrigor tamb\u00e9m afirma que, na Am\u00e9rica Latina, os planos de curto prazo, os benef\u00edcios regionalizados e as estruturas de cobertura flex\u00edveis est\u00e3o se tornando cada vez mais atraentes. A lideran\u00e7a da VUMI\u00ae na Am\u00e9rica Latina Quando questionado sobre o sucesso da VUMI\u00ae na regi\u00e3o, a resposta de McGrigor foi inequ\u00edvoca: \u2742 Os pre\u00e7os competitivos t\u00eam diferenciado constantemente a empresa. \u2742 Uma for\u00e7a de vendas agressiva e \u00e1gil conquistou seu lugar no mercado. \u2742 A VUMI\u00ae agiu mais rapidamente do que seus concorrentes na conten\u00e7\u00e3o de custos. Ele destacou que, sob a lideran\u00e7a de David Rendall, a empresa soube aproveitar rapidamente as oportunidades, como ocorreu durante o epis\u00f3dio da GBG, e alcan\u00e7ou um crescimento anual de dois d\u00edgitos. Depois de consolidar sua posi\u00e7\u00e3o de lideran\u00e7a na Am\u00e9rica Latina, a VUMI\u00ae expandiu-se com sucesso no Canad\u00e1, \u00c1sia, \u00c1frica, Oriente M\u00e9dio e, agora, Europa. \u201cEm compara\u00e7\u00e3o com seguradoras de tamanho semelhante, a VUMI\u00ae agiu com muita rapidez e confian\u00e7a\u201d, observou McGrigor. O poder da integra\u00e7\u00e3o O fato de a VUMI\u00ae pertencer a um grupo empresarial integrado verticalmente, que inclui a NHSI (National Healthcare Solutions, Inc.) e sua rede preferencial de fornecedores nos Estados Unidos, bem como a VerusRx, administradora de benef\u00edcios farmac\u00eauticos (PBM), marca uma diferen\u00e7a em rela\u00e7\u00e3o \u00e0s seguradoras tradicionais. Segundo McGrigor, esse modelo refor\u00e7a a capacidade da VUMI\u00ae de aplicar uma conten\u00e7\u00e3o de custos eficaz, ao mesmo tempo em que mant\u00e9m uma rela\u00e7\u00e3o s\u00f3lida com os fornecedores. Ventos contr\u00e1rios em mat\u00e9ria de regulamenta\u00e7\u00e3o A regulamenta\u00e7\u00e3o governamental \u00e9 um dos desafios mais importantes enfrentados pelos fornecedores de IPMI. Na Am\u00e9rica Latina, os pr\u00eamios brutos offshore passaram de 2\/3 do mercado em 2019 para apenas 1\/3 em 2024. Somado aos requisitos do Regulamento Geral de Prote\u00e7\u00e3o de Dados (GDPR) na Europa e ao fortalecimento dos controles contra fraudes, as margens est\u00e3o sob press\u00e3o. McGrigor sugeriu uma abordagem seletiva: \u201cAs empresas devem decidir sua estrat\u00e9gia com cuidado; algumas podem se concentrar em mercados que continuam favor\u00e1veis \u00e0s opera\u00e7\u00f5es offshore, embora sejam menos do que no passado; ou estabelecer estrategicamente suas opera\u00e7\u00f5es em jurisdi\u00e7\u00f5es onde os custos s\u00e3o baixos e onde a regulamenta\u00e7\u00e3o \u00e9 considerada boa, mas n\u00e3o excessiva\u201d. Os agentes e o fator humano Apesar dos avan\u00e7os na automa\u00e7\u00e3o, McGrigor destacou a import\u00e2ncia duradoura dos corretores e agentes. Na Am\u00e9rica Latina, 75% das ap\u00f3lices s\u00e3o individuais, e os clientes valorizam a consultoria humana. Embora os sinistros estejam cada vez mais automatizados, os agentes continuar\u00e3o sendo essenciais, n\u00e3o apenas nas vendas, mas tamb\u00e9m para ajudar os clientes a lidar com ferramentas digitais, dispositivos vest\u00edveis (wearables) e novos modelos de benef\u00edcios. Mercados em crescimento e press\u00f5es inflacion\u00e1rias Olhando para o futuro, McGrigor v\u00ea um forte potencial de crescimento na Argentina, Chile, Am\u00e9rica Central, Ar\u00e1bia Saudita, \u00c1frica Ocidental e Mediterr\u00e2neo. Al\u00e9m disso, ele alertou para a amea\u00e7a representada pela infla\u00e7\u00e3o m\u00e9dica de dois d\u00edgitos na Am\u00e9rica Latina, que est\u00e1 for\u00e7ando at\u00e9 mesmo pessoas com alto poder aquisitivo a reconsiderar sua cobertura. As solu\u00e7\u00f5es passar\u00e3o por preven\u00e7\u00e3o, sistemas de pre\u00e7os flex\u00edveis, redes de fornecedores mais rigorosas e incentivos para o tratamento regional. Um futuro baseado na agilidade Ao concluir a conversa, McGrigor destacou que os vencedores no IPMI ser\u00e3o aqueles que combinarem agilidade tecnol\u00f3gica, redes s\u00f3lidas de agentes e corretores e um foco implac\u00e1vel nos resultados para os clientes. \u201cPelo que tenho visto, a VUMI\u00ae \u00e9 muito forte na gest\u00e3o de corretores e em sua capacidade de se adaptar \u00e0s mudan\u00e7as. Esses s\u00e3o os fatores que determinam o sucesso a longo prazo\u201d, afirmou. (Leia tamb\u00e9m em nosso blog: \\\"VUMI\u00ae \u00e9 reconhecida como a melhor seguradora internacional de sa\u00fade privada (IPMI) do ano\\\")\", \"Portuguese Female\");\n                }\n            };\n        <\/script>\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-764d75c elementor-widget elementor-widget-heading\" data-id=\"764d75c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><p>O futuro do IPMI:  <br> <span style=\"color: #0097CE\">perspectivas do McGrigor Group e da  VUMI<sup>\u00ae<\/sup> <\/span><\/p>\n\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b07601c elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-image\" data-id=\"b07601c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"416\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor.png\" class=\"attachment-large size-large wp-image-10868\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor.png 916w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-300x156.png 300w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-768x399.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3593ffc elementor-widget elementor-widget-text-editor\" data-id=\"3593ffc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A VUMI<sup>\u00ae<\/sup> conversou recentemente com James McGrigor, diretor executivo do McGrigor Group, uma das autoridades mais respeitadas do mundo no mercado de seguros m\u00e9dicos privados internacionais (IPMI). Desde 2008, as pesquisas globais do McGrigor Group t\u00eam sido uma fonte confi\u00e1vel para seguradoras, prestadores de servi\u00e7os, corretores e administradores terceirizados, pois oferecem uma profundidade incompar\u00e1vel sobre as tend\u00eancias do mercado. Sua \u00faltima edi\u00e7\u00e3o, a mais completa at\u00e9 o momento, tem 850 p\u00e1ginas e 550 gr\u00e1ficos, e abrange 25 dos maiores mercados do mundo.<\/p><p><br \/>Nesta conversa, James McGrigor e Dominic Chu, que trabalhou extensivamente com o grupo em pesquisa e an\u00e1lise global, compartilharam sua perspectiva sobre as r\u00e1pidas mudan\u00e7as que est\u00e3o moldando o setor de seguros m\u00e9dicos internacionais (IPMI) e sobre o posicionamento da VUMI\u00ae como l\u00edder na Am\u00e9rica Latina e em outros territ\u00f3rios.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21ea418 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"21ea418\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-80b9c79 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80b9c79\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ab6332\" data-id=\"2ab6332\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7631363 elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7631363\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/blog.vumigroup.com\/pt-pt\/vumi-recognized-as-international-private-medical-insurance-ipmi-of-the-year\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-link\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> (Leia tamb\u00e9m: \"VUMI<sup>\u00ae<\/sup>, o melhor Seguro Internacional de Sa\u00fade Privado (IPMI) do ano\").<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee72e4b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee72e4b\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-05cb22f\" data-id=\"05cb22f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef95b3c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ef95b3c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d1c23be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1c23be\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f481ef7\" data-id=\"f481ef7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2bcc978 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2bcc978\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-94edbf4\" data-id=\"94edbf4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-02a411c elementor-widget elementor-widget-heading\" data-id=\"02a411c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A tecnologia impulsiona a mudan\u00e7a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d12d0f0 elementor-widget elementor-widget-text-editor\" data-id=\"d12d0f0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De acordo com McGrigor, o ritmo <strong>da transforma\u00e7\u00e3o digital <\/strong>est\u00e1 mudando a forma como os clientes e as seguradoras interagem. Desde <strong>cart\u00f5es de membro digitais <\/strong>que permitem o pagamento direto ao fornecedor at\u00e9 <strong>a apresenta\u00e7\u00e3o de reclama\u00e7\u00f5es por meio de aplicativos <\/strong>e o boom <strong>da telemedicina<\/strong>, as seguradoras est\u00e3o reinventando a experi\u00eancia do cliente.<\/p><p>Embora muitos possam supor que esses avan\u00e7os aumentam os custos, McGrigor afirma que, embora isso possa ser verdade no curto prazo, no longo prazo acontece exatamente o contr\u00e1rio: \u201cAs seguradoras obt\u00eam um melhor controle, reduzem as despesas administrativas e, o mais importante, conseguem uma maior fidelidade dos clientes. \u00c9 uma situa\u00e7\u00e3o em que todos ganham no longo prazo\u201d.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f9ddbef\" data-id=\"f9ddbef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17eb711 elementor-widget elementor-widget-image\" data-id=\"17eb711\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"426\" height=\"426\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-2.png\" class=\"attachment-large size-large wp-image-10873\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-2.png 426w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-2-300x300.png 300w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-2-150x150.png 150w\" sizes=\"(max-width: 426px) 100vw, 426px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e8d55e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9e8d55e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a76ec49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a76ec49\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23f7bbe\" data-id=\"23f7bbe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48b3734 elementor-widget elementor-widget-heading\" data-id=\"48b3734\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">IA: da efici\u00eancia \u00e0 integra\u00e7\u00e3o completa da cadeia de valor<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31e2338 elementor-widget elementor-widget-text-editor\" data-id=\"31e2338\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A intelig\u00eancia artificial j\u00e1 desempenha um papel importante na <strong>automa\u00e7\u00e3o de sinistros, detec\u00e7\u00e3o de fraudes, subscri\u00e7\u00e3o e atendimento ao cliente<\/strong>. Para os pr\u00f3ximos cinco anos, McGrigor prev\u00ea que a IA se estender\u00e1 a toda a cadeia de valor dos seguros m\u00e9dicos privados internacionais:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68e22bc elementor-widget elementor-widget-text-editor\" data-id=\"68e22bc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u2742\u00a0 <\/strong><strong>Os membros <\/strong>receber\u00e3o conselhos preventivos em tempo real com base em dados de dispositivos vest\u00edveis (wearables).<\/p><p><strong>\u2742\u00a0 Os fornecedores <\/strong>ser\u00e3o selecionados com base na otimiza\u00e7\u00e3o dos resultados e na transpar\u00eancia dos pre\u00e7os.<\/p><p><strong>\u2742\u00a0 Os TPAs <\/strong>evoluir\u00e3o para opera\u00e7\u00f5es totalmente impulsionadas pela IA, gerenciando tudo, desde a notifica\u00e7\u00e3o de incidentes at\u00e9 a liquida\u00e7\u00e3o de sinistros e assist\u00eancia p\u00f3s-sinistro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-820ec26 elementor-widget elementor-widget-text-editor\" data-id=\"820ec26\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No entanto, McGrigor ressaltou que o \u201ctoque humano\u201d continua sendo fundamental: \u201cPara conseguir novos neg\u00f3cios e renova\u00e7\u00f5es, especialmente em mercados como o latino-americano, sempre ser\u00e1 necess\u00e1rio manter rela\u00e7\u00f5es s\u00f3lidas com os agentes\u201d.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c58e83b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c58e83b\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ee9140 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ee9140\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9297efc\" data-id=\"9297efc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-148c302 elementor-widget elementor-widget-heading\" data-id=\"148c302\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Personaliza\u00e7\u00e3o: o novo padr\u00e3o<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c308ed5 elementor-widget elementor-widget-text-editor\" data-id=\"c308ed5\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O recente lan\u00e7amento do<a href=\"https:\/\/www.vumigroup.com\/es\/my-vip-care\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #ffffff;\"><strong> MyVIP Care<\/strong><\/span><\/a> pela VUMI<sup>\u00ae<\/sup>, que permite aos segurados projetar planos de acordo com suas necessidades e or\u00e7amentos, reflete uma mudan\u00e7a mais ampla no setor. A personaliza\u00e7\u00e3o n\u00e3o \u00e9 mais opcional, \u00e9 uma expectativa.<\/p><p>Embora os produtos personalizados possam reduzir as margens das seguradoras, McGrigor v\u00ea o lado positivo: \u201cA personaliza\u00e7\u00e3o promove a reten\u00e7\u00e3o, a fidelidade e melhores resultados em mat\u00e9ria de sa\u00fade. As seguradoras que n\u00e3o se adaptarem a isso n\u00e3o ter\u00e3o sucesso\u201d.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c1b6c1b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c1b6c1b\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b460a59\" data-id=\"b460a59\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17c6d39 elementor-widget elementor-widget-image\" data-id=\"17c6d39\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.vumigroup.com\/my-vip-care\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/my-vip-care-totalv2-1-2.png\" class=\"attachment-large size-large wp-image-10905\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/my-vip-care-totalv2-1-2.png 821w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/my-vip-care-totalv2-1-2-300x150.png 300w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/my-vip-care-totalv2-1-2-768x384.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0ccce4a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ccce4a\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-81aa004\" data-id=\"81aa004\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32415ec elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"32415ec\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0aef86d elementor-widget elementor-widget-heading\" data-id=\"0aef86d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mobilidade global e segmentos emergentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69293af elementor-widget elementor-widget-text-editor\" data-id=\"69293af\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Embora o entusiasmo pelos \u201cn\u00f4mades digitais\u201d possa ser exagerado (McGrigor estima que seu n\u00famero esteja mais pr\u00f3ximo de 4 milh\u00f5es em todo o mundo, em vez dos 40 milh\u00f5es que costumam ser citados), a mobilidade global est\u00e1 impulsionando a demanda em segmentos-chave. O crescimento \u00e9 especialmente forte entre:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c19732f elementor-widget elementor-widget-text-editor\" data-id=\"c19732f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u2742\u00a0 <\/strong>Jovens profissionais em miss\u00f5es internacionais de curta dura\u00e7\u00e3o.<\/p><p><strong>\u2742\u00a0 <\/strong>Aposentados e estudantes.<\/p><p><strong>\u2742\u00a0 <\/strong>Pequenas e m\u00e9dias empresas, muitas vezes com menos de 80 funcion\u00e1rios.<\/p><p><strong>\u2742\u00a0 <\/strong>Grandes contas corporativas no Oriente M\u00e9dio e na \u00c1sia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd3006 elementor-widget elementor-widget-text-editor\" data-id=\"dbd3006\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A McGrigor tamb\u00e9m afirma que, na Am\u00e9rica Latina, os planos de curto prazo, os benef\u00edcios regionalizados e as estruturas de cobertura flex\u00edveis est\u00e3o se tornando cada vez mais atraentes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b52f80 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9b52f80\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f0fab28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f0fab28\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fb2faf9\" data-id=\"fb2faf9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c79eff9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c79eff9\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5e3f6ae\" data-id=\"5e3f6ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-077da89 elementor-widget elementor-widget-image\" data-id=\"077da89\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"416\" height=\"371\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-3.png\" class=\"attachment-large size-large wp-image-10912\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-3.png 416w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-3-300x268.png 300w\" sizes=\"(max-width: 416px) 100vw, 416px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-219933e\" data-id=\"219933e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c8e7ddb elementor-widget elementor-widget-heading\" data-id=\"c8e7ddb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A lideran\u00e7a da VUMI<sup>\u00ae<\/sup> na Am\u00e9rica Latina<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a48d15 elementor-widget elementor-widget-text-editor\" data-id=\"9a48d15\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Quando questionado sobre o sucesso da VUMI\u00ae na regi\u00e3o, a resposta de McGrigor foi inequ\u00edvoca:<\/p><p><strong>\u2742 Os pre\u00e7os competitivos <\/strong>t\u00eam diferenciado constantemente a empresa.<\/p><p><strong>\u2742<\/strong> Uma <strong>for\u00e7a de vendas agressiva e \u00e1gil <\/strong>conquistou seu lugar no mercado.<\/p><p><strong>\u2742<\/strong> A VUMI<sup>\u00ae<\/sup> agiu <strong>mais rapidamente do que seus concorrentes <\/strong>na conten\u00e7\u00e3o de custos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f3a18f elementor-widget elementor-widget-text-editor\" data-id=\"0f3a18f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ele destacou que, sob <strong>a lideran\u00e7a de David Rendall<\/strong>, a empresa soube aproveitar rapidamente as oportunidades, como ocorreu durante o epis\u00f3dio da GBG, e alcan\u00e7ou um crescimento anual de dois d\u00edgitos. Depois de consolidar sua posi\u00e7\u00e3o de lideran\u00e7a na Am\u00e9rica Latina, a VUMI<sup>\u00ae<\/sup> expandiu-se com sucesso no <strong>Canad\u00e1, \u00c1sia, \u00c1frica, Oriente M\u00e9dio e, agora, Europa<\/strong>.<\/p><p>\u201cEm compara\u00e7\u00e3o com seguradoras de tamanho semelhante, a VUMI<sup>\u00ae<\/sup> agiu com muita rapidez e confian\u00e7a\u201d, observou McGrigor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25ff3c5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"25ff3c5\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-afce169 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"afce169\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0ab4832\" data-id=\"0ab4832\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-177fc2f elementor-widget elementor-widget-heading\" data-id=\"177fc2f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O poder da integra\u00e7\u00e3o<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-838b08a elementor-widget elementor-widget-text-editor\" data-id=\"838b08a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O fato de a VUMI<sup>\u00ae<\/sup> pertencer a um <strong>grupo empresarial integrado verticalmente<\/strong>, que inclui a NHSI (National Healthcare Solutions, Inc.) e sua rede preferencial de fornecedores nos Estados Unidos, bem como a <strong>VerusRx<\/strong>, administradora de benef\u00edcios farmac\u00eauticos (PBM), marca uma diferen\u00e7a em rela\u00e7\u00e3o \u00e0s seguradoras tradicionais. Segundo McGrigor, esse modelo refor\u00e7a a capacidade da VUMI<sup>\u00ae<\/sup> de aplicar uma conten\u00e7\u00e3o de custos eficaz, ao mesmo tempo em que mant\u00e9m uma rela\u00e7\u00e3o s\u00f3lida com os fornecedores.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7429144 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7429144\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c1f0442 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c1f0442\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-af044e7\" data-id=\"af044e7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-804c125 elementor-widget elementor-widget-heading\" data-id=\"804c125\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ventos contr\u00e1rios em mat\u00e9ria de regulamenta\u00e7\u00e3o<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cc94e0 elementor-widget elementor-widget-text-editor\" data-id=\"9cc94e0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A regulamenta\u00e7\u00e3o governamental \u00e9 um dos desafios mais importantes enfrentados pelos fornecedores de IPMI. Na Am\u00e9rica Latina, os pr\u00eamios brutos offshore passaram de 2\/3 do mercado em 2019 para apenas 1\/3 em 2024. Somado aos requisitos do Regulamento Geral de Prote\u00e7\u00e3o de Dados (GDPR) na Europa e ao fortalecimento dos controles contra fraudes, as margens est\u00e3o sob press\u00e3o.<\/p><p>McGrigor sugeriu uma abordagem seletiva: \u201cAs empresas devem decidir sua estrat\u00e9gia com cuidado; algumas podem se concentrar em mercados que continuam favor\u00e1veis \u00e0s opera\u00e7\u00f5es offshore, embora sejam menos do que no passado; ou estabelecer estrategicamente suas opera\u00e7\u00f5es em jurisdi\u00e7\u00f5es onde os custos s\u00e3o baixos e onde a regulamenta\u00e7\u00e3o \u00e9 considerada boa, mas n\u00e3o excessiva\u201d.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69d7cce elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"69d7cce\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f484308 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f484308\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df1b9cf\" data-id=\"df1b9cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-24ed82c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24ed82c\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-35ce452\" data-id=\"35ce452\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2617d73 elementor-widget elementor-widget-heading\" data-id=\"2617d73\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Os agentes e o fator humano<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67a8698 elementor-widget elementor-widget-text-editor\" data-id=\"67a8698\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apesar dos avan\u00e7os na automa\u00e7\u00e3o, McGrigor destacou a import\u00e2ncia duradoura dos corretores e agentes. Na Am\u00e9rica Latina,<strong> 75% das ap\u00f3lices s\u00e3o individuais, <\/strong>e os clientes valorizam a consultoria humana. Embora os sinistros estejam cada vez mais automatizados, os agentes continuar\u00e3o sendo essenciais, n\u00e3o apenas nas vendas, mas tamb\u00e9m para ajudar os clientes a lidar com ferramentas digitais, dispositivos vest\u00edveis (wearables) e novos modelos de benef\u00edcios.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bf84a78\" data-id=\"bf84a78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-369094c elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"369094c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"416\" height=\"315\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-4.png\" class=\"attachment-large size-large wp-image-10918\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-4.png 416w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-4-300x227.png 300w\" sizes=\"(max-width: 416px) 100vw, 416px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-387eec5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"387eec5\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-707e7c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"707e7c8\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a730e42\" data-id=\"a730e42\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e0f1151 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e0f1151\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-28a0b34\" data-id=\"28a0b34\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38907a1 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"38907a1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"416\" height=\"315\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-5.png\" class=\"attachment-large size-large wp-image-10925\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-5.png 416w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2025\/11\/mc-grigor-5-300x227.png 300w\" sizes=\"(max-width: 416px) 100vw, 416px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-627c61c\" data-id=\"627c61c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3470ca5 elementor-widget elementor-widget-heading\" data-id=\"3470ca5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mercados em crescimento e press\u00f5es inflacion\u00e1rias<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ba0276 elementor-widget elementor-widget-text-editor\" data-id=\"2ba0276\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Olhando para o futuro, McGrigor v\u00ea um forte potencial de crescimento na <strong>Argentina, Chile, Am\u00e9rica Central, Ar\u00e1bia Saudita, \u00c1frica Ocidental e Mediterr\u00e2neo<\/strong>. Al\u00e9m disso, ele alertou para a amea\u00e7a representada <strong>pela infla\u00e7\u00e3o m\u00e9dica de dois d\u00edgitos <\/strong>na Am\u00e9rica Latina, que est\u00e1 for\u00e7ando at\u00e9 mesmo pessoas com alto poder aquisitivo a reconsiderar sua cobertura. As solu\u00e7\u00f5es passar\u00e3o por preven\u00e7\u00e3o, sistemas de pre\u00e7os flex\u00edveis, redes de fornecedores mais rigorosas e incentivos para o tratamento regional.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-ded9301 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ded9301\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0041382 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0041382\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a878e9\" data-id=\"8a878e9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56a2a86 elementor-widget elementor-widget-heading\" data-id=\"56a2a86\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Um futuro baseado na agilidade<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38e3c69 elementor-widget elementor-widget-text-editor\" data-id=\"38e3c69\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ao concluir a conversa, McGrigor destacou que os vencedores no IPMI ser\u00e3o aqueles que combinarem <strong>agilidade tecnol\u00f3gica, redes s\u00f3lidas de agentes e corretores e um foco implac\u00e1vel nos resultados para os clientes<\/strong>.<\/p><p>\u201cPelo que tenho visto, a VUMI<sup>\u00ae<\/sup> \u00e9 muito forte na gest\u00e3o de corretores e em sua capacidade de se adaptar \u00e0s mudan\u00e7as. Esses s\u00e3o os fatores que determinam o sucesso a longo prazo\u201d, afirmou.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34d864c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"34d864c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a161d2d elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a161d2d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5202a5a\" data-id=\"5202a5a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21ed15e elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"21ed15e\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-link\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">(Leia tamb\u00e9m em nosso blog: \"VUMI\u00ae \u00e9 reconhecida como a melhor seguradora internacional de sa\u00fade privada (IPMI) do ano\")<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>O futuro do IPMI: perspectivas do McGrigor Group e da VUMI\u00ae A VUMI\u00ae conversou recentemente com James McGrigor, diretor executivo do McGrigor Group, uma das autoridades mais respeitadas do mundo no mercado de seguros m\u00e9dicos privados internacionais (IPMI). Desde 2008, as pesquisas globais do McGrigor Group t\u00eam sido uma fonte confi\u00e1vel para seguradoras, prestadores de [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":10868,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[167],"tags":[133],"class_list":["post-11065","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tendencias","tag-latest-pt-pt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>O futuro do IPMI: perspectivas do McGrigor Group e da VUMI\u00ae | Blog VUMI\u00ae<\/title>\n<meta name=\"description\" content=\"A VUMI\u00ae conversou recentemente com James McGrigor, diretor executivo do McGrigor Group, uma das autoridades mais respeitadas do mundo no mercado de seguros m\u00e9dicos privados internacionais (IPMI).\" \/>\n<meta name=\"robots\" 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