What is IPMI?
A form of private medical insurance with a selected geographical area of cover. It may help internationally mobile people access eligible private healthcare, subject to policy terms.
IPMI / International Private Medical Insurance
International medical cover, clearly explained.
International Private Medical Insurance (IPMI) is designed for people whose healthcare needs extend beyond a single national system. The right policy depends on your residence, area of cover, needs and insurer terms.
Area of cover
Policies may offer different geographical options, including important conditions for the United States, home-country treatment and emergency travel.
Benefits and limitations
Inpatient care, outpatient treatment, maternity, dental, preventive care and other benefits vary considerably. Exclusions and limits are essential.
Underwriting
Application questions, pre-existing conditions, exclusions, waiting periods and acceptance depend on the insurer and policy.
Provider access and claims
Direct billing, reimbursement, pre-authorisation and provider networks vary by plan and location.
Renewals and changing needs
Premiums, residence, family circumstances and available alternatives can change over time.
Premiums & advice
Does using a broker make insurance more expensive?
No. For the same plan with the same insurer, the premium is exactly the same whether you buy it directly from the insurer or through a broker. Brokers are paid by the insurer, so you never pay more for expert advice and personal support.
Can I change my broker without changing my insurance?
Yes. You can change or remove your broker at any time, with zero impact on your IPMI policy: your cover, benefits, underwriting terms and premium remain exactly the same. You simply inform your insurer.