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International Private Medical Insurance (IPMI) is designed to protect the healthcare needs of expatriates and local nationals – wherever in the world they are living or working.
IPMI provides access to the right medical care as and when it’s required. Expatriates often find themselves in unfamiliar situations or countries with poor quality local healthcare systems. Having the back-up of a comprehensive IPMI plan can not only be valuable, but literally life-saving.
International private medical insurance reimburses the plan holder for the cost of the medical treatment they receive whilst on cover. And, when hospitalisation is necessary, any expenses incurred will usually be settled directly between the insurer and the medical facility.
High Cover Limits
The level of cover provided is extremely high. With most policies, your claim limits will be in excess of US$1.5m per annum
Modular Product Flexibility
Products are often modular in nature, allowing you to pick and choose exactly the cover you need such as hospitalisation, outpatient, dental and maternity
Extensive Medical Conditions
Covered: The range of conditions covered is extensive and include most chronic conditions as well as some alternative therapies
Your premium will be unaffected by the number and size of claims you make. Premium increases at renewal are based solely on factors such as age, medical inflation and changes of location
High Service Standards
Service standards with most insurers are extremely high meaning you’ll get fast access to the treatment you need and efficient reimbursement of any out-of-pocket expenses
IPMI is a lifetime contract. Your insurance company cannot break your contract or charge you extra premium at renewal because of your claims experience. Your contract can only be cancelled due to insurance fraud, non-premium payment or a regulatory change
IPMI cover is fully transportable. If you decide to relocate from your current location, you can take your cover with you