{"id":13177,"date":"2026-04-23T12:11:02","date_gmt":"2026-04-23T17:11:02","guid":{"rendered":"https:\/\/blog.vumigroup.com\/from-reactive-to-preventive-how-international-health-insurance-is-changing\/"},"modified":"2026-04-24T12:06:11","modified_gmt":"2026-04-24T17:06:11","slug":"from-reactive-to-preventive-how-international-health-insurance-is-changing","status":"publish","type":"post","link":"https:\/\/blog.vumigroup.com\/pt-pt\/from-reactive-to-preventive-how-international-health-insurance-is-changing\/","title":{"rendered":"From Reactive to Preventive: How International Health Insurance Is Changing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"13177\" class=\"elementor elementor-13177 elementor-13142\" 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-50d3bd94 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50d3bd94\" data-element_type=\"section\" data-e-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-faf3aaa\" data-id=\"faf3aaa\" data-element_type=\"column\" data-e-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-138ba268 elementor-widget elementor-widget-shortcode\" data-id=\"138ba268\" data-element_type=\"widget\" data-e-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; Listen to post<\/span><\/button>\n        <script>\n            listenButton1.onclick = function(){\n                if(responsiveVoice.isPlaying()){\n                    responsiveVoice.cancel();\n                }else{\n                    responsiveVoice.speak(\"From Reactive to Preventive: How International Health Insurance Is Changing For many years, international health insurance had a clear role: to respond to a serious illness, an accident or a high-cost treatment. It was, in essence, a reactive model. Today, things have changed. International health insurance is moving towards a more comprehensive approach \u2014 one where prevention, support and informed decision-making begin long before a problem arises. \u201cWe\u2019re moving from a basically reactive model towards a much more proactive approach,\u201d explains Dr. Juan Carlos Velazquez, Vice President & Chief Medical Officer at VUMI\u00ae. (Read also \u201cInternational Private Medical Insurance (IPMI): Trends and Challenges In Conversation with Per Bay J\u00f8rgensen\u201d) The starting point: health no longer begins with a diagnosis In the traditional model, the story began with a diagnosis. From there, the insurance company covered, approved and responded. Today, international health insurance incorporates tools and benefits designed to stay ahead of the problem: medical checkups, wellness programs, early diagnosis and monitoring of chronic conditions. All of this responds to an updated reality: people no longer wait until they get sick to take action. \u201cThere is much greater interest in prevention, early diagnosis and lifestyle changes,\u201d notes Dr. Velazquez. This shift not only improves quality of life but also ensures that, if a condition arises, it is detected early and managed more effectively. (Read also: \u201cYou feel fine\u2026 but are you really healthy? Preventive checkups\u201d) When the approach changes, the entire experience changes Moving from a reactive model to a preventive one isn\u2019t just about intervening sooner. It completely changes the patient experience. Today, people want to understand what\u2019s happening to them, know their options, and make decisions with greater clarity. Thanks to the internet and AI, they come to the process with more information than ever before. \u201cToday, patients arrive with a much higher level of information\u2026 though it\u2019s not always the most appropriate,\u201d explains Dr. Velazquez. These factors are causing a shift in the role of insurance. It\u2019s no longer enough to approve procedures or cover expenses. The true value lies in helping to interpret medical information and guide the patient towards the best possible decision from the start. (Read also \u201cReceiving A Second Medical Opinion Can Change a Treatment Plan and Make a Significant Difference to a Patient\u2019s Life\u201d) From paying to guiding: the shift in insurance This new context redefines the role of insurers. In a reactive model, the insurer responds once the problem already exists. In a preventive model, however, the patient is supported in all stages of their healthcare journey. \u201cInternational insurers must move toward becoming true health advisors so that the client can make the best possible use of their benefits,\u201d says Dr. Velazquez. This involves guiding the patient to the right provider, helping them evaluate their options, and coordinating their care. In other words, insurance has evolved from being a financial intermediary to become a strategic ally at times when informed guidance can make all the difference. This shift also involves anticipating what the patient will need throughout their treatment journey. For example, referral to another country to begin treatment, emergency air transport, support for family members abroad, follow-up care in their home country once initial treatment is complete, etc. In the international context, this is particularly relevant, as it requires a high level of medical coordination to ensure care flows seamlessly. \u201cThe big challenge is ensuring consistent care in a system that is, by nature, fragmented,\u201d explains Dr. Velazquez. This is where elements such as case management and patient concierge services come into play, allowing for continuous support of the patient and, above all, anticipating their needs. \u201cCase management is about support, but also about staying a few steps ahead of the patient,\u201d he adds. Technology as an Enabler of the Preventive Model This shift toward prevention would not be possible without technology. Today, tools such as telemedicine, remote monitoring and digital access to specialists allow for constant monitoring of the patient\u2019s health, no matter where they are \u2014 facilitating early intervention and more informed decisions. \u201cWe\u2019re seeing care that\u2019s much more digital, connected and patient-centered,\u201d says Dr. Velazquez. Technology has allowed healthcare to shift from being something addressed only at critical moments to something managed continuously. (Read also \u201cFive Advantages of Using Telemedicine Service\u201d) Prevention also impacts sustainability Sustainability also comes into play. Medical advances have brought increasingly effective \u2014 but also more expensive \u2014 treatments. In this context, the purely reactive model is insufficient for both patient well-being and the sustainability of insurance companies. \u201cWhat you invest in prevention today is what you\u2019ll reap in 5 or 10 years,\u201d explains Dr. Velazquez. From coverage to support: what makes the difference today It\u2019s no longer enough to have access to coverage for high-cost events. What is making the difference now is having a structure that provides constant support: from initial guidance, through the selection of the right provider, to follow-up care. \u201cThe important thing is for the client to see the insurer as a partner\u2026 someone who guides them in making the best decisions for their health,\u201d summarizes Dr. Velazquez. Now the most forward-looking companies are integrating prevention, technology, a medical network, and support into a single, cohesive experience. They are crafting a single system that ensures the patient has what they need to make effective decisions, with clear expectations and the promise of better outcomes. That\u2019s where the real change is. Not in what the insurance covers, but in when and how it shows up in the insured\u2019s life. Talk to an insurance agent and receive personalized advice to choose the plan that best fits your needs and lifestyle.\", \"US English 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\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-49f344e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49f344e5\" data-element_type=\"section\" data-e-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-34206ce0\" data-id=\"34206ce0\" data-element_type=\"column\" data-e-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-2a36c4b8 elementor-widget elementor-widget-heading\" data-id=\"2a36c4b8\" data-element_type=\"widget\" data-e-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>From Reactive to Preventive: <br><span style=\"color: #0097CE\">How International Health Insurance Is Changing <\/span><\/p><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7abd657e elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-image\" data-id=\"7abd657e\" data-element_type=\"widget\" data-e-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=\"413\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo-1.png\" class=\"attachment-large size-large wp-image-13237\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo-1.png 919w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo-1-300x155.png 300w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo-1-768x397.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-603276d elementor-widget elementor-widget-text-editor\" data-id=\"603276d\" data-element_type=\"widget\" data-e-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>For many years, international health insurance had a clear role: to respond to a serious illness, an accident or a high-cost treatment. It was, in essence, a reactive model.<\/p><p>Today, things have changed. International health insurance is moving towards a more comprehensive approach \u2014 one where prevention, support and informed decision-making begin long before a problem arises.<\/p><p><strong>\u201cWe\u2019re moving from a basically reactive model towards a much more proactive approach,\u201d<\/strong> explains Dr. Juan Carlos Velazquez, Vice President &amp; Chief Medical Officer at VUMI<sup>\u00ae<\/sup>.<\/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-50b0b553 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"50b0b553\" data-element_type=\"widget\" data-e-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-54d3bb3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54d3bb3\" data-element_type=\"section\" data-e-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-48453a9\" data-id=\"48453a9\" data-element_type=\"column\" data-e-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-554376d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"554376d\" data-element_type=\"widget\" data-e-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\/ipmi-international-health-insurance-trends-and-challenges-in-conversation-with-per-bay-jorgensen\/\" 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\">(Read also \u201cInternational Private Medical Insurance (IPMI): Trends and Challenges In Conversation with Per Bay J\u00f8rgensen\u201d)<\/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-4e8e4745 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e8e4745\" data-element_type=\"section\" data-e-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-52dd27df\" data-id=\"52dd27df\" data-element_type=\"column\" data-e-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-54e4640 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"54e4640\" data-element_type=\"widget\" data-e-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-4bf9704c elementor-widget elementor-widget-heading\" data-id=\"4bf9704c\" data-element_type=\"widget\" data-e-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\">The starting point: health no longer begins with a diagnosis<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40b4a9a9 elementor-widget elementor-widget-text-editor\" data-id=\"40b4a9a9\" data-element_type=\"widget\" data-e-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>In the traditional model, the story began with a diagnosis. From there, the insurance company covered, approved and responded. Today, international health insurance incorporates tools and benefits designed to stay ahead of the problem: medical checkups, wellness programs, early diagnosis and monitoring of chronic conditions. All of this responds to an updated reality: people no longer wait until they get sick to take action.<\/p><p><strong>\u201cThere is much greater interest in prevention, early diagnosis and lifestyle changes,\u201d<\/strong> notes Dr. Velazquez.<\/p><p>This shift not only improves quality of life but also ensures that, if a condition arises, it is detected early and managed more effectively.<\/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-4085afca elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4085afca\" data-element_type=\"widget\" data-e-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-d78c484 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d78c484\" data-element_type=\"section\" data-e-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-4f20555\" data-id=\"4f20555\" data-element_type=\"column\" data-e-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-9a22c44 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9a22c44\" data-element_type=\"widget\" data-e-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\/you-feel-fine-but-are-you-sure-youre-healthy-vumi-preventive-checkups\/\" 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\">(Read also: \u201cYou feel fine\u2026 but are you really healthy? Preventive checkups\u201d)<\/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-224a6c3f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"224a6c3f\" data-element_type=\"section\" data-e-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-1961783c\" data-id=\"1961783c\" data-element_type=\"column\" data-e-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-3ed0a44 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3ed0a44\" data-element_type=\"widget\" data-e-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-7d9564 elementor-widget elementor-widget-heading\" data-id=\"7d9564\" data-element_type=\"widget\" data-e-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\">When the approach changes, the entire experience changes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3437165c elementor-widget elementor-widget-text-editor\" data-id=\"3437165c\" data-element_type=\"widget\" data-e-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>Moving from a reactive model to a preventive one isn\u2019t just about intervening sooner. It completely changes the patient experience.<\/p><p>Today, people want to understand what\u2019s happening to them, know their options, and make decisions with greater clarity. Thanks to the internet and AI, they come to the process with more information than ever before.<\/p><p><strong>\u201cToday, patients arrive with a much higher level of information\u2026 though it\u2019s not always the most appropriate,\u201d<\/strong> explains Dr. Velazquez.<\/p><p>These factors are causing a shift in the role of insurance. It\u2019s no longer enough to approve procedures or cover expenses. The true value lies in helping to interpret medical information and guide the patient towards the best possible decision from the start.<\/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-45dfe916 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"45dfe916\" data-element_type=\"widget\" data-e-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-99d0c67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"99d0c67\" data-element_type=\"section\" data-e-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-605d8b5\" data-id=\"605d8b5\" data-element_type=\"column\" data-e-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-0db97bf elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0db97bf\" data-element_type=\"widget\" data-e-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\/receiving-a-second-medical-opinion-can-change-a-treatment-plan-and-make-a-significant-difference-to-a-patients-life\/\" 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\">(Read also \u201cReceiving A Second Medical Opinion Can Change a Treatment Plan and Make a Significant Difference to a Patient\u2019s Life\u201d)<\/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-20f907e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"20f907e1\" data-element_type=\"section\" data-e-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-12a30f01\" data-id=\"12a30f01\" data-element_type=\"column\" data-e-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-1537db8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1537db8\" data-element_type=\"widget\" data-e-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-70614bf0 elementor-widget elementor-widget-heading\" data-id=\"70614bf0\" data-element_type=\"widget\" data-e-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\">From paying to guiding: the shift in insurance<\/h2>\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-1f754573 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f754573\" data-element_type=\"section\" data-e-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-7324ed5e\" data-id=\"7324ed5e\" data-element_type=\"column\" data-e-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-333716f2 elementor-widget elementor-widget-image\" data-id=\"333716f2\" data-element_type=\"widget\" data-e-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=\"430\" height=\"686\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo2-1-1.png\" class=\"attachment-large size-large wp-image-13240\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo2-1-1.png 430w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo2-1-1-188x300.png 188w\" sizes=\"(max-width: 430px) 100vw, 430px\" \/>\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-3a9f57d0\" data-id=\"3a9f57d0\" data-element_type=\"column\" data-e-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-6c20355b elementor-widget elementor-widget-text-editor\" data-id=\"6c20355b\" data-element_type=\"widget\" data-e-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>This new context redefines the role of insurers.<\/p><p>In a reactive model, the insurer responds once the problem already exists. In a preventive model, however, the patient is supported in all stages of their healthcare journey.<\/p><p><strong>\u201cInternational insurers must move toward becoming true health advisors so that the client can make the best possible use of their benefits,\u201d<\/strong> says Dr. Velazquez.<\/p><p>This involves guiding the patient to the right provider, helping them evaluate their options, and coordinating their care. In other words, insurance has evolved from being a financial intermediary to become a strategic ally at times when informed guidance can make all the difference.<\/p><p>This shift also involves anticipating what the patient will need throughout their treatment journey. For example, referral to another country to begin treatment, emergency air transport, support for family members abroad, follow-up care in their home country once initial treatment is complete, etc.<\/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-6dec8dfa elementor-widget elementor-widget-text-editor\" data-id=\"6dec8dfa\" data-element_type=\"widget\" data-e-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>In the international context, this is particularly relevant, as it requires a high level of medical coordination to ensure care flows seamlessly.<\/p><p><strong>\u201cThe big challenge is ensuring consistent care in a system that is, by nature, fragmented,\u201d<\/strong> explains Dr. Velazquez.<\/p><p>This is where elements such as case management and patient concierge services come into play, allowing for continuous support of the patient and, above all, anticipating their needs.<\/p><p><strong>\u201cCase management is about support, but also about staying a few steps ahead of the patient,\u201d<\/strong> he adds.<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77a58db6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77a58db6\" data-element_type=\"section\" data-e-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-2f7e8fb8\" data-id=\"2f7e8fb8\" data-element_type=\"column\" data-e-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-698d1cbe elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"698d1cbe\" data-element_type=\"widget\" data-e-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-3a98922b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a98922b\" data-element_type=\"section\" data-e-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-5270067d\" data-id=\"5270067d\" data-element_type=\"column\" data-e-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-2764fea0 elementor-widget elementor-widget-heading\" data-id=\"2764fea0\" data-element_type=\"widget\" data-e-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\">Technology as an Enabler of the Preventive Model<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28e29df4 elementor-widget elementor-widget-text-editor\" data-id=\"28e29df4\" data-element_type=\"widget\" data-e-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>This shift toward prevention would not be possible without technology.<\/p><p>Today, tools such as telemedicine, remote monitoring and digital access to specialists allow for constant monitoring of the patient\u2019s health, no matter where they are \u2014 facilitating early intervention and more informed decisions.<\/p><p><strong>\u201cWe\u2019re seeing care that\u2019s much more digital, connected and patient-centered,\u201d<\/strong> says Dr. Velazquez.<\/p><p>Technology has allowed healthcare to shift from being something addressed only at critical moments to something managed continuously.<\/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-4ba96040 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4ba96040\" data-element_type=\"widget\" data-e-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-8a0fc82 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8a0fc82\" data-element_type=\"section\" data-e-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-b2352e5\" data-id=\"b2352e5\" data-element_type=\"column\" data-e-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-f0ff917 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f0ff917\" data-element_type=\"widget\" data-e-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\/five-advantages-of-using-a-telemedicine-service\/\" 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\">(Read also \u201cFive Advantages of Using Telemedicine Service\u201d)<\/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-54f7c89b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54f7c89b\" data-element_type=\"section\" data-e-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-4e9b216d\" data-id=\"4e9b216d\" data-element_type=\"column\" data-e-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-48270fa elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"48270fa\" data-element_type=\"widget\" data-e-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-1628d92d elementor-widget elementor-widget-heading\" data-id=\"1628d92d\" data-element_type=\"widget\" data-e-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\">Prevention also impacts sustainability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10bea921 elementor-widget elementor-widget-text-editor\" data-id=\"10bea921\" data-element_type=\"widget\" data-e-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>Sustainability also comes into play. Medical advances have brought increasingly effective \u2014 but also more expensive \u2014 treatments. In this context, the purely reactive model is insufficient for both patient well-being and the sustainability of insurance companies.<\/p><p><strong>\u201cWhat you invest in prevention today is what you\u2019ll reap in 5 or 10 years,\u201d<\/strong> explains Dr. Velazquez.<\/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-390cc95a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"390cc95a\" data-element_type=\"widget\" data-e-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-6850159b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6850159b\" data-element_type=\"section\" data-e-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-top-column elementor-element elementor-element-73cc8cf8\" data-id=\"73cc8cf8\" data-element_type=\"column\" data-e-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-787d6e15 elementor-widget elementor-widget-heading\" data-id=\"787d6e15\" data-element_type=\"widget\" data-e-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\">From coverage to support: what makes the difference today<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54f61b8f elementor-widget elementor-widget-text-editor\" data-id=\"54f61b8f\" data-element_type=\"widget\" data-e-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>It\u2019s no longer enough to have access to coverage for high-cost events. What is making the difference now is having a structure that provides constant support: from initial guidance, through the selection of the right provider, to follow-up care.<\/p><p><strong>\u201cThe important thing is for the client to see the insurer as a partner\u2026 someone who guides them in making the best decisions for their health,\u201d<\/strong> summarizes Dr. Velazquez.<\/p><p>Now the most forward-looking companies are integrating prevention, technology, a medical network, and support into a single, cohesive experience. They are crafting a single system that ensures the patient has what they need to make effective decisions, with clear expectations and the promise of better outcomes.<\/p><p>That\u2019s where the real change is. Not in what the insurance covers, but in when and how it shows up in the insured\u2019s life.<\/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-top-column elementor-element elementor-element-6c5940f3\" data-id=\"6c5940f3\" data-element_type=\"column\" data-e-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-6f21e37 elementor-widget elementor-widget-image\" data-id=\"6f21e37\" data-element_type=\"widget\" data-e-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=\"430\" height=\"686\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo3-1.png\" class=\"attachment-large size-large wp-image-13243\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo3-1.png 430w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/de-reactivo3-1-188x300.png 188w\" sizes=\"(max-width: 430px) 100vw, 430px\" \/>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7439712b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7439712b\" data-element_type=\"section\" data-e-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-14beeb91\" data-id=\"14beeb91\" data-element_type=\"column\" data-e-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-1edc4038 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1edc4038\" data-element_type=\"widget\" data-e-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-eea107a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eea107a\" data-element_type=\"section\" data-e-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-75104757\" data-id=\"75104757\" data-element_type=\"column\" data-e-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-183c0972 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"183c0972\" data-element_type=\"section\" data-e-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-349fc2c9\" data-id=\"349fc2c9\" data-element_type=\"column\" data-e-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-3165fb3f elementor-widget elementor-widget-image\" data-id=\"3165fb3f\" data-element_type=\"widget\" data-e-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=\"204\" height=\"290\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/executive-1.png\" class=\"attachment-large size-large wp-image-13246\" alt=\"\" \/>\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-6fa4b15a\" data-id=\"6fa4b15a\" data-element_type=\"column\" data-e-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-bf8c2a elementor-widget elementor-widget-spacer\" data-id=\"bf8c2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-64bbd759 elementor-widget elementor-widget-image\" data-id=\"64bbd759\" data-element_type=\"widget\" data-e-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=\"178\" height=\"69\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/Log-3-1.png\" class=\"attachment-large size-large wp-image-13249\" alt=\"\" \/>\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-39f86727 elementor-widget elementor-widget-heading\" data-id=\"39f86727\" data-element_type=\"widget\" data-e-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\">Talk to an <span style=\"color: #ffffff\">insurance agent<\/span> and receive personalized advice to choose the plan that best fits your needs and lifestyle.<\/h2>\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Durante muitos anos, o seguro m\u00e9dico internacional tinha um papel muito claro: responder a uma doen\u00e7a grave<\/p>\n","protected":false},"author":7,"featured_media":13140,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-13177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sem-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>From Reactive to Preventive: How International Health Insurance Is Changing | Blog VUMI\u00ae<\/title>\n<meta name=\"description\" content=\"Durante muitos anos, o seguro m\u00e9dico internacional tinha um papel muito claro: responder a uma doen\u00e7a grave\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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