VIP International Health Insurance

No matter to where in the world you travel,

you can always rely on VUMI health insurance to have your back.

VUMILATINA® complies with all the local healthcare regulations dictated by the Organic Law of Human Mobility.

The Superintendence of Companies of Ecuador

BMI is approved as one of the prepaid healthcare providers in order for foreign residents to obtain their visas.

When it comes to your health, especially when you are far away from home, you want a health insurance company that understands your needs, speaks your language and will be there for you wherever you are.

VIP Patient Concierge Services.

Personalized services for insureds and their families in all hospitalization and critical cases anywhere in the world to make the medical experience as stress-free as possible

Coordination of appointments

Multilingual support in all aspects of a medical treatment

A direct line with Vumi Latina's medical department through WhatsApp

Doctors home visits


General Health Insurance Plan Information

Maximum coverage per person, per policy year $2,000,000
Eligibility to apply • No age limit
• Anyone who resides most of the year in Ecuador.
Worldwide coverage
(excluding USA)
100% with free choice of hospitals and doctors
Coverage in the USA • 100% from within our network of doctors and hospitals.
• 60% if not within our network of doctors and hospitals up to $700/day in hospital standard room and upt to $1,400/day in ICU.
• Emergency medical treatment will be covered 100% up to the policy limit.
Emergency transportation by air ambulance Up to US$35,000, no deductible applies

We offer 100% coverage in the following medical areas:
  • Intensive care unit
  • Hospitalization
  • Physician and specialist visits
  • Reconstructive surgery in case of illness or accident
  • Diagnostic study services (laboratory tests, pathology, X-rays, MRI/CT/PET scans, endoscopy, cystoscopy, stress test and ultrasound)
  • Cancer tests, medication and treatment (chemotherapy and radiotherapy)
  • Dialysis
  • Prostheses and medical appliances implanted during surgery
  • Allergy treatments
  • Physical therapy and rehabilitation
  • Emergency transportation by ground ambulance
  • Second Medical Opinion VIP around the world

*All benefits with 100% coverage are up to the policy limit.

Second Medical Opinion VIP

In partnership with MediGuide International, a U.S. based world class medical opinion provider, Vumi Latina offers Second Medical Opinion VIP as a complimentary service in all plans.

Second Medical Opinion VIP selects the hospital recognized as the leading treatment provider for the specific diagnosis. The second opinion is performed by a panel of medical experts from this provider to ensure that all aspects are considered and debated before they form a conclusive qualified opinion on the diagnosis and the recommended treatment. Vumi Latina believes that an increased number of expert eyes on the case is better for the insured and ensures that everything is discussed and analyzed down to the last detail, which serves Vumi Latina’s objective to help clients recover their health in the best way and as soon as possible.

Other benefits

Prescription medication Up to US$5,000
Nurse care at home Up to US$1,000
Durable medical equipment (special devices, external prostheses, orthotic
Up to US$2,500
Emergency transportation by air ambulance Up to US$35,000, no deductible applies

Schedule an appointment with us for more information about Intermediate Health Insurance