Gaps Abiertos · Decisiones Activas

Does VUMI Europe have a physical commercial representative / delegado in Spain?

Per corpus 05 this is the single most decisive factor in Spanish broker channel activation. Remote-only IPMIs underperform materially in broker-led distribution.

Exact pricing in EUR for Bupa Global, Allianz Care, AXA Global Healthcare, Aetna International for Spain-resident profiles A, B, C.

Required to set VUMI price corridor. The four IPMI competitors with visa access are the real competitive reference, not the domestic Spanish carriers.

What is the exact monthly premium for VUMI Euro Health Priority/Pro/Premier for Spain-resident profiles A (35yo Madrid prof), B (family Barcelona), C (55yo Marbella HNW)?

Cannot define the price corridor or competitive positioning without it. Directly impacts broker pitch, media activation and expected acquisition cost.

Will VUMI Europe distribute via associations (Espabrok, Adecose, Aunna, Cojebro) or direct-to-broker only?

Framework route via Espabrok (135 brokers, €451M premium) is materially faster than broker-by-broker. Trade-off: margin share and brand control.

Has VUMI Europe obtained or planned an A.M. Best or equivalent public solvency rating?

Brokers and HNW buyers in Spain now elevated solvency concerns post-MUFACE. VUMI without a rating or published SCR is at a credibility disadvantage vs Bupa (A.M. Best A).

Does VUMI Europe have formal direct-billing agreements with Quirónsalud, HM Hospitales, Vithas, Ribera Salud and Clínica Universidad de Navarra?

Direct billing = friction difference between broker selling the product and not. Clínica Universidad de Navarra is the LATAM-premium reference hospital.

Reconcile AI_GATEWAY_API_KEY: vault value differs from runtime VERCEL_AI_GATEWAY value

Two different real values exist for Vercel AI Gateway. vault-bootstrap-v3 correctly refused to overwrite vault. If runtime value is newer/rotated, vault may be stale and will be used for pg_net-triggered operations only (edge functions themselves use runtime first via resolveSecret).

Are INE migration data + OPI residence permits refreshed 2025Q4 / 2026Q1 since corpus close (24-Apr-2026)?

Portal should reflect live state. Any launch-window messaging that references population numbers needs to be current.

What is Colombian population premium sub-segment size in Spain? (executives, entrepreneurs, investors)

Colombians are 676,534 nationals but 23% tertiary-educated (vs 48.7% Venezuelan, 58% Mexican). Need the premium-affinity sub-slice to avoid miscalibrating the audience pitch.

Does the emergent Wave-2 audience (Argentinian, Peruvian, British/German pensioners Costa del Sol) warrant pre-positioning in Soft Launch?

Adding audiences before proposition validates dilutes the soft launch. But pre-segmenting creative assets cheaper than redoing later.