VUMI Global Flex VIP is an international health insurance plan from VUMI Global, available in Kenya through Naveah Capital. It has five levels (Basic, Standard, Superior, Ultra and Total) with annual limits of USD 3m to USD 5m. You can choose worldwide including the USA, worldwide excluding the USA, or a regional restriction (Africa, Asia or the Indian sub-continent), with deductibles from USD 0 to USD 20,000. Chronic conditions are covered from Standard upwards, and Total adds IVF.
Naveah Capital is your VUMI Global partner in Kenya
We arrange, compare and service Global Flex VIP policies for clients in Nairobi and across Kenya. As an IRA-licensed insurance agency we work for you: we set up the right level, area of cover and deductible, compare it with the other international plans on our panel, handle the application and stand beside you at every claim — at no extra cost. Request a quote or WhatsApp us.
Who VUMI Global Flex VIP is for
- Families who want maternity, newborn and even IVF cover (Superior to Total)
- People who need the USA in their area of cover
- Buyers who want to cut premiums with a deductible (up to USD 20,000)
VUMI Global Flex VIP plan levels at a glance
- Included
- Included with a limit
- Optional / add-on
- Not covered
Tables scroll sideways to show every level.
| Benefit | Basic | Standard | Superior | Ultra | Total |
|---|---|---|---|---|---|
| Annual limit | USD 3,000,000 | USD 3,500,000 | USD 4,000,000 | USD 4,500,000 | USD 5,000,000 |
| Deductible / excess | Deductible only: $0/$1,000/$2,000/$5,000/$10,000/$15,000/$20,000 | Deductible $0–$20,000 OR $15/$30 OP excess + 10%/20%/30% coinsurance (max OOP $2,000/$4,000/$6,000) | Deductible $0–$20,000 OR $15/$30 OP excess + 10%/20%/30% coinsurance (max OOP $2,000/$4,000/$6,000) | Deductible $0–$20,000 OR $15/$30 OP excess + 10%/20%/30% coinsurance (max OOP $2,000/$4,000/$6,000) | Deductible $0–$20,000 OR $15/$30 OP excess + 10%/20%/30% coinsurance (max OOP $2,000/$4,000/$6,000) |
| Outpatient GP & specialist | Up to max, pre/post-op only (15 days before/30 days after inpatient) | Up to max benefit (standalone, unrestricted) | Up to max benefit (standalone, unrestricted) | Up to max benefit (standalone, unrestricted) | Up to max benefit (standalone, unrestricted) |
| Maternity (routine) | Not covered | Optional: $5,000/$7,500 (w/wo 20% coins.) | $12,500 (standard) | $15,000 (standard) | $20,000 + IVF up to $10,000 lifetime (standard) |
| Newborn cover | USD 50,000 | USD 75,000 | USD 100,000 | USD 125,000 | USD 150,000 |
Cover outside your region and outside Kenya
Choose worldwide including the USA, worldwide excluding the USA, or an Africa, Asia or Indian sub-continent restriction. Planned treatment in the USA can be added up to USD 3m on every level. Outside your area, injuries are covered to the plan maximum and emergency illness up to USD 50,000 (plus USD 500 for outpatient hospital visits). Evacuation is covered to the plan maximum; repatriation of remains is USD 5,000 (Basic) to USD 20,000 (Total).
| Benefit | Basic | Standard | Superior | Ultra | Total |
|---|---|---|---|---|---|
| Area of cover options | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction |
| Out-of-area emergencies (accident / illness) | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 |
| Planned treatment in the USA | Optional, up to $3,000,000 (all tiers) | Optional, up to $3,000,000 (all tiers) | Optional, up to $3,000,000 (all tiers) | Optional, up to $3,000,000 (all tiers) | Optional, up to $3,000,000 (all tiers) |
| Emergency medical evacuation | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit |
| Repatriation | $5,000 (burial/cremation) | $7,500 | $10,000 | $15,000 | $20,000 |
| Planned transfer abroad for treatment | Optional Non-Emergency evacuation, up to $2,000 (all tiers) | Optional Non-Emergency evacuation, up to $2,000 (all tiers) | Optional Non-Emergency evacuation, up to $2,000 (all tiers) | Optional Non-Emergency evacuation, up to $2,000 (all tiers) | Optional Non-Emergency evacuation, up to $2,000 (all tiers) |
Pre-existing and chronic conditions
VUMI Basic has no standalone chronic benefit. On Standard, Superior, Ultra and Total, chronic conditions are covered up to the plan maximum. Congenital conditions are covered from USD 50,000 (Basic) to USD 150,000 (Total), and HIV/AIDS up to USD 50,000 after a 36-month waiting period.
How existing conditions are assessed
Declared pre-existing conditions are assessed at underwriting and may be covered. Compulsory groups of 10 or more employees can add medical history disregarded.
Source: vumiglobal.com. Your exact terms are confirmed in writing with your quote.
| Benefit | Basic | Standard | Superior | Ultra | Total |
|---|---|---|---|---|---|
| Chronic / pre-existing conditions (in- & day-patient) | Not covered (no standalone chronic benefit) | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit |
| Congenital & hereditary conditions | $50,000 (after 30 days from birth) | $75,000 | $100,000 | $125,000 | $150,000 |
| HIV / AIDS | $50,000 (36-month waiting period) | $50,000 (36-month waiting period) | $50,000 (36-month waiting period) | $50,000 (36-month waiting period) | $50,000 (36-month waiting period) |
| Kidney dialysis | Up to max benefit (renal failure and dialysis) | Up to max benefit (renal failure and dialysis) | Up to max benefit (renal failure and dialysis) | Up to max benefit (renal failure and dialysis) | Up to max benefit (renal failure and dialysis) |
| Cancer treatment | Up to max benefit (tests, drugs & FDA-approved treatments) | Up to max benefit (tests, drugs & FDA-approved treatments) | Up to max benefit (tests, drugs & FDA-approved treatments) | Up to max benefit (tests, drugs & FDA-approved treatments) | Up to max benefit (tests, drugs & FDA-approved treatments) |
| Hospice & palliative care | See Terminal Illness/Palliative care (lifetime limit) | See Terminal Illness/Palliative care (lifetime limit) | See Terminal Illness/Palliative care (lifetime limit) | See Terminal Illness/Palliative care (lifetime limit) | See Terminal Illness/Palliative care (lifetime limit) |
Optical and dental cover
Optical is not covered on Basic and is available on the higher levels through the Wellness & Optical add-on (USD 500 or USD 1,000 combined). Accident-related dental is covered to the plan maximum on every level. Routine dental is optional on Standard and Superior (USD 500/750) and standard on Ultra (USD 1,000) and Total (USD 1,500), with major dental up to USD 2,000–3,000. Total also includes USD 1,000 lifetime for laser eye surgery.
| Benefit | Basic | Standard | Superior | Ultra | Total |
|---|---|---|---|---|---|
| Optical (eye tests, glasses, lenses) | Not covered | Bundled in Wellness & Optical add-on above | Bundled in Wellness & Optical add-on above | Bundled in Wellness & Optical add-on above | Bundled in Wellness & Optical add-on above |
| Dental — after an accident | Up to max benefit (Emergency dental treatment) | Up to max benefit (Emergency dental treatment) | Up to max benefit (Emergency dental treatment) | Up to max benefit (Emergency dental treatment) | Up to max benefit (Emergency dental treatment) |
| Dental — routine | Not covered | Optional: $500/$750 (20% co-ins.) | Optional: $500/$750 (20% co-ins.) | $1,000, 20% co-ins. (standard) | $1,500, 20% co-ins. (standard) |
| Dental — major / restorative | Not covered | Optional: $1,000/$1,500 (20%/50% ortho) | Optional: $1,000/$1,500 (20%/50% ortho) | $2,000, 20%/50% ortho (standard) | $3,000, 20%/50% ortho (standard) |
| Laser / refractive eye surgery | Not covered | Not covered | Not covered | Not covered | $1,000 lifetime (Total only) |
Full table of VUMI Global Flex VIP benefits
Every benefit from the VUMI Global plan brochure, level by level, as compiled in Naveah’s international health comparison.
Show all 56 benefits
| Benefit | Basic | Standard | Superior | Ultra | Total |
|---|---|---|---|---|---|
| Plan Overview | |||||
| Annual limit | USD 3,000,000 | USD 3,500,000 | USD 4,000,000 | USD 4,500,000 | USD 5,000,000 |
| Area of cover options | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction | Choice: Worldwide incl. USA / Worldwide excl. USA / Africa restriction / Asia restriction / Indian sub-continent restriction |
| Deductible / excess | Deductible only: $0/$1,000/$2,000/$5,000/$10,000/$15,000/$20,000 | Deductible $0–$20,000 OR $15/$30 OP excess + 10%/20%/30% coinsurance (max OOP $2,000/$4,000/$6,000) | Deductible $0–$20,000 OR $15/$30 OP excess + 10%/20%/30% coinsurance (max OOP $2,000/$4,000/$6,000) | Deductible $0–$20,000 OR $15/$30 OP excess + 10%/20%/30% coinsurance (max OOP $2,000/$4,000/$6,000) | Deductible $0–$20,000 OR $15/$30 OP excess + 10%/20%/30% coinsurance (max OOP $2,000/$4,000/$6,000) |
| Inpatient / Hospital Treatment Benefits | |||||
| Hospital Accommodation & Core Charges (room/board, surgeon, anaesthetist, theatre) | 100% UCR, up to max benefit (standard private room) | 100% UCR, up to max benefit (standard private room) | 100% UCR, up to max benefit (standard private room) | 100% UCR, up to max benefit (standard private room) | 100% UCR, up to max benefit (standard private room) |
| Intensive Care Unit | Included in hospital charges (up to max benefit) | Included in hospital charges (up to max benefit) | Included in hospital charges (up to max benefit) | Included in hospital charges (up to max benefit) | Included in hospital charges (up to max benefit) |
| In-Patient Psychiatric Treatment | Up to max benefit, max 30 days | Up to max benefit, max 30 days | Up to max benefit, max 30 days | Up to max benefit, max 30 days | Up to max benefit, max 30 days |
| Chronic / pre-existing conditions (in- & day-patient) | Not covered (no standalone chronic benefit) | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit |
| Organ / Bone Marrow / Stem Cell Transplant | Up to max benefit, incl. up to $50,000 donor costs (per organ/tissue, per lifetime) | Up to max benefit, incl. up to $50,000 donor costs (per organ/tissue, per lifetime) | Up to max benefit, incl. up to $50,000 donor costs (per organ/tissue, per lifetime) | Up to max benefit, incl. up to $50,000 donor costs (per organ/tissue, per lifetime) | Up to max benefit, incl. up to $50,000 donor costs (per organ/tissue, per lifetime) |
| Reconstructive Surgery | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit |
| Rehabilitation (Inpatient) | Max 30 days/condition | Max 60 days/condition | Max 90 days/condition | Max 120 days/condition | Max 120 days/condition |
| Kidney dialysis | Up to max benefit (renal failure and dialysis) | Up to max benefit (renal failure and dialysis) | Up to max benefit (renal failure and dialysis) | Up to max benefit (renal failure and dialysis) | Up to max benefit (renal failure and dialysis) |
| Newborn cover | USD 50,000 | USD 75,000 | USD 100,000 | USD 125,000 | USD 150,000 |
| Parent Accommodation (staying with child, typically <18) | Up to max benefit (Adult companion accommodation, child <18) | Up to max benefit (Adult companion accommodation, child <18) | Up to max benefit (Adult companion accommodation, child <18) | Up to max benefit (Adult companion accommodation, child <18) | Up to max benefit (Adult companion accommodation, child <18) |
| Hospital Cash Benefit (when treatment/accommodation provided free) | $250/night, max 30 nights | $300/night, max 30 nights | $350/night, max 30 nights | $400/night, max 30 nights | $450/night, max 30 nights |
| Hospice & palliative care | See Terminal Illness/Palliative care (lifetime limit) | See Terminal Illness/Palliative care (lifetime limit) | See Terminal Illness/Palliative care (lifetime limit) | See Terminal Illness/Palliative care (lifetime limit) | See Terminal Illness/Palliative care (lifetime limit) |
| Local Road Ambulance | Up to max benefit (Ground Ambulance) | Up to max benefit (Ground Ambulance) | Up to max benefit (Ground Ambulance) | Up to max benefit (Ground Ambulance) | Up to max benefit (Ground Ambulance) |
| Local Air Ambulance | Up to max benefit (Air Ambulance & Emergency medical evacuation) | Up to max benefit (Air Ambulance & Emergency medical evacuation) | Up to max benefit (Air Ambulance & Emergency medical evacuation) | Up to max benefit (Air Ambulance & Emergency medical evacuation) | Up to max benefit (Air Ambulance & Emergency medical evacuation) |
| Terminal Illness (lifetime limit) | $50,000 lifetime | $75,000 lifetime | $100,000 lifetime | $125,000 lifetime | $150,000 lifetime |
| Congenital & hereditary conditions | $50,000 (after 30 days from birth) | $75,000 | $100,000 | $125,000 | $150,000 |
| HIV / AIDS | $50,000 (36-month waiting period) | $50,000 (36-month waiting period) | $50,000 (36-month waiting period) | $50,000 (36-month waiting period) | $50,000 (36-month waiting period) |
| Cancer treatment | Up to max benefit (tests, drugs & FDA-approved treatments) | Up to max benefit (tests, drugs & FDA-approved treatments) | Up to max benefit (tests, drugs & FDA-approved treatments) | Up to max benefit (tests, drugs & FDA-approved treatments) | Up to max benefit (tests, drugs & FDA-approved treatments) |
| Emergency medical evacuation | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit |
| Repatriation | $5,000 (burial/cremation) | $7,500 | $10,000 | $15,000 | $20,000 |
| Out-of-area emergencies (accident / illness) | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 | Injuries: up to max benefit; Illness: up to $50,000; OP hospital visits: up to $500 |
| Outpatient Treatment & Other Benefits | |||||
| Outpatient GP & specialist | Up to max, pre/post-op only (15 days before/30 days after inpatient) | Up to max benefit (standalone, unrestricted) | Up to max benefit (standalone, unrestricted) | Up to max benefit (standalone, unrestricted) | Up to max benefit (standalone, unrestricted) |
| Prescription Drugs | Up to max, pre/post-op only (15 days before/30 days after inpatient) | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit |
| Diagnostics (X-ray / Pathology / Blood tests) | Up to max benefit (Diagnostic study services) | Up to max benefit (Diagnostic study services) | Up to max benefit (Diagnostic study services) | Up to max benefit (Diagnostic study services) | Up to max benefit (Diagnostic study services) |
| Advanced Imaging (MRI / CT / PET) | Included in Diagnostic study services (up to max benefit) | Included in Diagnostic study services (up to max benefit) | Included in Diagnostic study services (up to max benefit) | Included in Diagnostic study services (up to max benefit) | Included in Diagnostic study services (up to max benefit) |
| Physiotherapy | Not covered (no standalone OP physio) | Included in Complementary therapy, pre-auth after 10 sessions, up to max benefit | Included in Complementary therapy, pre-auth after 10 sessions, up to max benefit | Included in Complementary therapy, pre-auth after 10 sessions, up to max benefit | Included in Complementary therapy, pre-auth after 10 sessions, up to max benefit |
| Complementary Therapies (Osteopathy, Chiropractic, Acupuncture, TCM etc.) | Not covered | Up to max benefit, pre-auth after 10 sessions (physio/TCM/Ayurvedic combined) | Up to max benefit, pre-auth after 10 sessions (physio/TCM/Ayurvedic combined) | Up to max benefit, pre-auth after 10 sessions (physio/TCM/Ayurvedic combined) | Up to max benefit, pre-auth after 10 sessions (physio/TCM/Ayurvedic combined) |
| Outpatient Surgery | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit |
| Outpatient Psychiatric Treatment | Not covered | $2,500 | $5,000 | $7,500 | $10,000 |
| Home Nursing (post-discharge) | Max 30 days | Max 60 days | Max 90 days | Max 120 days | Max 120 days |
| Vaccinations | Not covered (travel vaccinations) | $150 | $250 | $350 | $500 |
| Routine Health Screening / Wellness Checks | Not covered | Optional Wellness & Optical add-on: Option I $500 / Option II $1,000 (combined) | Optional Wellness & Optical add-on: Option I $500 / Option II $1,000 (combined) | Optional Wellness & Optical add-on: Option I $500 / Option II $1,000 (combined) | Optional Wellness & Optical add-on: Option I $500 / Option II $1,000 (combined) |
| Optical (eye tests, glasses, lenses) | Not covered | Bundled in Wellness & Optical add-on above | Bundled in Wellness & Optical add-on above | Bundled in Wellness & Optical add-on above | Bundled in Wellness & Optical add-on above |
| Dental — after an accident | Up to max benefit (Emergency dental treatment) | Up to max benefit (Emergency dental treatment) | Up to max benefit (Emergency dental treatment) | Up to max benefit (Emergency dental treatment) | Up to max benefit (Emergency dental treatment) |
| Dental — routine | Not covered | Optional: $500/$750 (20% co-ins.) | Optional: $500/$750 (20% co-ins.) | $1,000, 20% co-ins. (standard) | $1,500, 20% co-ins. (standard) |
| Dental — major / restorative | Not covered | Optional: $1,000/$1,500 (20%/50% ortho) | Optional: $1,000/$1,500 (20%/50% ortho) | $2,000, 20%/50% ortho (standard) | $3,000, 20%/50% ortho (standard) |
| Maternity (routine) | Not covered | Optional: $5,000/$7,500 (w/wo 20% coins.) | $12,500 (standard) | $15,000 (standard) | $20,000 + IVF up to $10,000 lifetime (standard) |
| Maternity – Complications | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit | Up to max benefit |
| Second Medical Opinion | Included, no Deductible applies (Second Medical Opinion VIP®) | Included, no Deductible applies (Second Medical Opinion VIP®) | Included, no Deductible applies (Second Medical Opinion VIP®) | Included, no Deductible applies (Second Medical Opinion VIP®) | Included, no Deductible applies (Second Medical Opinion VIP®) |
| Additional / Provider-Specific Benefits | |||||
| Gene Therapies | Up to $500,000 (all tiers) | Up to $500,000 (all tiers) | Up to $500,000 (all tiers) | Up to $500,000 (all tiers) | Up to $500,000 (all tiers) |
| External Prostheses (Outpatient, per Policy Year) | $1,000 | $1,500 | $2,000 | $2,500 | $3,000 |
| Passive War & Terrorism | Up to max benefit (all tiers) | Up to max benefit (all tiers) | Up to max benefit (all tiers) | Up to max benefit (all tiers) | Up to max benefit (all tiers) |
| Planned treatment in the USA | Optional, up to $3,000,000 (all tiers) | Optional, up to $3,000,000 (all tiers) | Optional, up to $3,000,000 (all tiers) | Optional, up to $3,000,000 (all tiers) | Optional, up to $3,000,000 (all tiers) |
| Laser / refractive eye surgery | Not covered | Not covered | Not covered | Not covered | $1,000 lifetime (Total only) |
| IVF / Fertility Treatment | Not covered | Not covered | Not covered | Not covered | $10,000 lifetime, $2,500/attempt, 25% co-ins. (Total only) |
| Semi-Private Room (optional upgrade) | Optional – covers shared-room hospital stay (all tiers) | Optional – covers shared-room hospital stay (all tiers) | Optional – covers shared-room hospital stay (all tiers) | Optional – covers shared-room hospital stay (all tiers) | Optional – covers shared-room hospital stay (all tiers) |
| Planned transfer abroad for treatment | Optional Non-Emergency evacuation, up to $2,000 (all tiers) | Optional Non-Emergency evacuation, up to $2,000 (all tiers) | Optional Non-Emergency evacuation, up to $2,000 (all tiers) | Optional Non-Emergency evacuation, up to $2,000 (all tiers) | Optional Non-Emergency evacuation, up to $2,000 (all tiers) |
How VUMI Global Flex VIP compares with our other partner plans
We place seven international health plans in Kenya. If VUMI Global Flex VIP isn’t the right fit, one of these may be — or let our free plan matcher shortlist them for you.
USD 3m – USD 4.5m · 4 levelsNow Health WorldCare
Expats and globally mobile families who want high limits without US premiums.
USD 2m · 4 levelsAPRIL Africa Long-Term
People based in Kenya who want a straightforward USD 2m limit at a regional price (Area 3).
USD 1.6m – USD 5m · 4 levelsGEHP (AXA / Old Mutual)
Kenya residents who want a locally issued policy with a global network.
USD 2m – USD 10m · 4 levelsBupa Company Africa
Employers wanting a premium global brand for senior staff.
USD 1.5m – USD 3m · 2 levelsBupa Africa Explorer
Individuals and families who want the Bupa name at an Africa-based price.
USD 50k – USD 6m · 6 levelsCigna Africa
Organisations that want one plan with levels for every grade of staff.
Frequently asked questions
Does VUMI Global Flex VIP cover treatment outside Kenya?
Choose worldwide including the USA, worldwide excluding the USA, or an Africa, Asia or Indian sub-continent restriction. Planned treatment in the USA can be added up to USD 3m on every level. Outside your area, injuries are covered to the plan maximum and emergency illness up to USD 50,000 (plus USD 500 for outpatient hospital visits). Evacuation is covered to the plan maximum; repatriation of remains is USD 5,000 (Basic) to USD 20,000 (Total).
Does VUMI Global Flex VIP cover pre-existing or chronic conditions?
VUMI Basic has no standalone chronic benefit. On Standard, Superior, Ultra and Total, chronic conditions are covered up to the plan maximum. Congenital conditions are covered from USD 50,000 (Basic) to USD 150,000 (Total), and HIV/AIDS up to USD 50,000 after a 36-month waiting period. Declared pre-existing conditions are assessed at underwriting and may be covered. Compulsory groups of 10 or more employees can add medical history disregarded.
Does VUMI Global Flex VIP include dental and optical cover?
Optical is not covered on Basic and is available on the higher levels through the Wellness & Optical add-on (USD 500 or USD 1,000 combined). Accident-related dental is covered to the plan maximum on every level. Routine dental is optional on Standard and Superior (USD 500/750) and standard on Ultra (USD 1,000) and Total (USD 1,500), with major dental up to USD 2,000–3,000. Total also includes USD 1,000 lifetime for laser eye surgery.
What is the annual limit on VUMI Global Flex VIP?
VUMI Global Flex VIP has 5 levels with these annual limits: Basic (USD 3m), Standard (USD 3.5m), Superior (USD 4m), Ultra (USD 4.5m), Total (USD 5m). The right level depends on who you are covering, where you need treatment and your budget — we compare them side by side for you.
Can I buy VUMI Global Flex VIP in Kenya through Naveah Capital?
Yes. Naveah Capital is an IRA-licensed insurance agency in Nairobi and a partner for VUMI Global in Kenya. We compare Global Flex VIP against the other international plans we place, help you choose the right level, area of cover and deductible, submit the application and stay with you through every claim — at no extra cost to you. Call or WhatsApp 0722 710 004, or request a quote on this page.
Get your VUMI Global Flex VIP quote
Tell us who needs cover and where — an IRA-licensed adviser prices VUMI Global Flex VIP and compares it with the other plans we place, usually within the hour.
Summary of the VUMI Global plan brochure as compiled in Naveah’s international health comparison, reviewed October 2026. Benefits, limits, waiting periods and exclusions are confirmed on the insurer’s policy documents and your quote. Naveah Capital is an independent, IRA-licensed insurance agency; insurer names and logos belong to their owners.
Naveah Capital · International health team
IRA-licensed insurance agency · 209 Parkwest Building, Parklands, Nairobi
We compare international health plans from seven partner insurers so expats, families and companies in Kenya get the right cover at the right price. Talk to an adviser or call 0722 710 004.
