This legal notice governs the use of the website maintained by VIP Universal Medical Insurance Group, Ltd. (“VUMI”). Please read it carefully before visiting the other pages of our website. By visiting this website, you acknowledge your acceptance of the conditions set out herein.


The purpose of the VUMI site is to provide you with information on the company, as well as its products and services. All products and services mentioned on this site are subject to the terms and conditions of the contracts and policies applicable thereto and may be changed without notice.

Our products and services are offered only in certain countries and some products and services may not be available in all regions. Moreover, nothing on this site constitutes an offer to buy or sell the products and services of VUMI; nor is anything on this site intended to promote such products and services in territories where our products are not available.

Reliability of Information

VUMI has attempted to convey information that is as reliable as possible on its website. However, the Company cannot guarantee that the information is accurate, complete and current at all times. In addition, VUMI reserves the right to change the information on its website at any time, without prior notice.

Copyright and Trademarks

The information on this website is protected by current legislation governing copyright, trademarks and intellectual property rights, as well as similar legislation in other territories, as the case may be. Visitors to this website are prohibited from copying, printing or downloading information other than for personal, non-commercial use. In doing so, they must state the information’s source and ensure that the said information has not been modified in any way. Further, all copyright and other notices must be retained. No person may create any kind of link to this website or to its content, including through frames or hypertext, without prior written consent from VUMI. Any infringement of VUMI rights may result in the appropriate legal remedy.

Confidentiality and Security

You are in control of the quantity and type of information that you share with VUMI while visiting this website. As a visitor, you can browse this site in order to find information without having to disclose personal information in any way.

Even though VUMI has put security measures in place, you must remain vigilant while using the Internet. If you are assigned a personal identification number to access any part of this website, you must ensure that it is protected at all times.

Technologies used on our website


This website sends “cookies” to anybody visiting its website to simplify navigation and to improve user experience. A cookie is a small data file sent by the website to your browser, which may then be stored on your hard drive. This allows VUMI  to personalize the content that you see on our website, to know if you already have an account or to recognize your language preferences. Cookies do not allow us to collect your personal information. We can’t identify a specific individual.

You may choose to deactivate cookies in your browser. If you choose to do so, however, you may not have access to certain functionality on our site.

Google Analytics

The Google Analytics tool is used to collect anonymous data to monitor and analyze the use of our website. Google Analytics collects information such as the browser type, the number of page views and the session duration. VUMI uses this data to improve content, display and performance.

We invite you to read the Google Ad Preferences page for more information.

Remarketing (publicity)

This website uses the Google AdWords remarketing service to advertise on third-party websites (including Google) to previous visitors to our site. Third-party websites (including Google) use cookies to serve ads based on your interests while browsing our website. Any data collected will not allow us to identify you.

You can set preferences for how Google advertises to you, and if you want to you can opt out of interest-based advertising entirely by using the Google Ad Preferences page.


VUMI, its affiliates companies as well as its administrators, officers, employees and representatives shall not be held liable for any loss or damage arising directly or indirectly from use of this website, including special or consequential damage and damage to third parties. You agree that use of this website or of any website linked hereto is made entirely at your own risk.

More specifically, but without limiting the generality of the foregoing, VUMI and its administrators, officers, employees and representatives shall not be held liable for any damage arising from actions taken based on the information on this website or arising from damage sustained as the result of disclosing personal or confidential information to VUMI over the Internet.

This website may contain links to other websites that are not managed or updated by VUMI. These links may be provided for information purposes only and shall not be interpreted as an endorsement of their content by VUMI.

Likewise, VUMI shall not be held liable for damages arising from unauthorized reproduction or use of the information on this website.

Modification of Terms of Use

VUMI reserves the right to modify at any time the terms of use applicable to information contained and displayed on our website. In the event of a major change, we will provide a notice at least thirty days before the new condition takes effect. By using and accessing this website after such modifications have taken effect, you agree and accept to be bound by such modifications or revisions.

To request permission or for any other inquiry, please contact:

Constanza C. Traub
Director of Marketing
Fax +1.425.974.7867 | US Toll Free Fax +1.800.976.0972
Toll Free +1.855.276.VUMI (8864)