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What questions should I ask when
selecting a health insurance plan?

When you’re choosing a health insurance plan, making an informed decision is crucial. Here are five essential questions that will help you select the plan that best suits your needs and your budget.

What is the plan’s scope of coverage?

Some health plans offer local coverage only, meaning services will be limited to your country of residence. Other plans provide international coverage, thus opening the doors to international centers of excellence.

VUMI® plans, as an example, provide comprehensive care in your home country, as well as access to treatment in many of the world’s top medical centers. These facilities offer treatments and specialties that might not be available in your country of residence.

What are the plans’ costs and benefits?

The cost of a plan can vary depending on benefits offered. For instance, some plans offer maternity coverage or coverage for accidents that occur while participating in professional sports. Obviously, not everyone needs these specific options.

Therefore, it’s essential to work closely with your agent to discuss which benefits you need. With a free flow of information, you’re sure to find the plan that most closely meets your needs.

Once you’ve zeroed in on your preferred benefits, ask your agent about frequency of payment, deductibles, out-of-pocket expenses, and any other costs associated with the plan under consideration.

Who is eligible for a plan?

Health insurance plans usually have limitations regarding coverage for preexisting conditions and age limits. It is essential for you to understand if you and your family are eligible for a certain plan, and what restrictions might apply.

VUMI® offers plans for people at all stages of life. As an example, our Senior VIP plan provides coverage for adults 60 to 90 years of age, and even includes coverage for preexisting conditions, as long as they are considered stable.

Which medical centers are included in my plan?

Once you have decided on local or international coverage, it’s important to know the medical provider network available through your plan’s benefits.

Depending on the chosen plan, VUMI® offers access to a wide range of medical providers and hospitals in more than 100 countries, including some of the world’s most prestigious hospitals.

Who is eligible for a plan?

More than 110,000 people worldwide count on VUMI® to offer support and comprehensive medical attention whenever necessary:

  • Administrative offices in the U.S., Canada, Panama, Colombia, Ecuador, and the United Arab Emirates, have more than 700 professionals working every day to provide a VIP service experience to all our insureds  (don’t want the type in bold, just wanted you to see where the change was)
  • 24/7 service, available in Spanish, English and Portuguese

Want to know more about VUMI’s plans and compare benefits? Simply click here to use our practical comparison tool.

For more information or to purchase one of our plans, contact your insurance agent today.

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