INDIVIDUAL

Tailored plans to keep you protected
anywhere in the world

International Health Insurance for Individuals

Individual health insurance, also known as international private medical insurance (IPMI), is distinct from local medical insurance policies. It assures an individual’s access to both private and public medical treatment facilities across the world, delivering higher annual limits and extensive benefits and coverage.

IMPI plans can be tailored to meet your medical needs and budget. Choose from regional or global coverage to provide affordable peace of mind in an uncertain world where medical costs are ever increasing.

One of the prime reasons to sign up for the policy as an individual is to stay protected at home and anywhere in this world. Globally valid it saves the hassle of switching between local medical policies when away from your home country.

How to choose the right plan?

Choosing the right medical insurance is to key to ensuring you have access to quality medical care. It will protect you in the event of a medical emergency or if you require treatment for an acute medical condition. Have peace of mind that evacuation to a centre of excellence is available if required.

The quality of medical care significantly varies from one region to another and across countries, hence it is advisable to always have a comprehensive expat medical insurance best suited for the region or country you are residing in or planning to move to. With an assortment of plans available in the market, it is a tedious process to understand and analyze all pertinent details you may want to consider. Hence the right advice and guidance from a trusted professional consultant are imperative.

Speak to an advisor about how we can cut through the jargon and source the most comprehensive and competitive plan for you.

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Policy Benefits

Choose from a fully comprehensive expat health insurance plan that can cover everything from in-patient and out-patient treatment, cancer treatment, chronic conditions, emergency medical evacuation benefits, and war zone cover. Or opt for inpatient only plans, where major medical inpatient surgery and treatment can be chosen as cost-saving benefits.

In-patient

Private or shared rooms
Inpatient surgical procedures – includes surgeon’s and anesthetists fees
Intensive care
Cancer treatment
Organ Transplant services
Diagnostic procedures
Advanced medical imaging (CT, MRI and PET scans)
Kidney failure and dialysis
Specialist consultations
Dental emergency
Emergency evacuation – includes travel costs for an accompanying person, their accommodation and compassionate visits
Medical repatriation – includes repatriation of mortal remains
Psychiatric care & Psychotherapy

Out-patient

Medical practitioners & Specialists consultations
Out-patient surgical procedures
Diagnostic tests
Dental accidents
Prescription medication
Maintenance of chronic illness conditions
Chiropractic treatment & Physiotherapy sessions
Osteopathy & Acupuncture treatment
Podiatry & Chiropody
Traditional Chinese medicine & Homeopathy treatment
Dietician consultation
Psychiatric care & Psychotherapy
Speech therapy
Therapeutic aids & medical appliances

Add-ons

Value Add

Optional Top-up Benefits

Maternity coverage
Dental care
Health & wellness checks
Vision
Accidental Death and Autopsy
Terminal illness coverage

Travel insurance
Life insurance
Income protection
Child vaccinations
Travel vaccinations

Added Features

Private or public hospital coverage
Coverage for specific pre-existing medical conditions
Easy claim processes, quick refunds & online tracking of claims
No-claim discount
Direct billing – provided in some countries by some insurers
Pre-approval for expensive treatment costs

Lifetime renewability
Optional 24-month moratorium or full medical underwriting
Helplines for medical advice
Money-back guarantee period
Various payment methods & payment terms options
Smartphone application

Coverage Areas

As an expatriate, it is important to consider a worldwide policy excluding or including the USA. Most comprehensive international health policies ensure quality treatment for any illness or injuries, anywhere in the world, and avoids the need for switching to a new policy for each region or country that you relocate to. It also gives you the flexibility for you to opt to return home for treatment.

Our Partners

Our Quick Process

1 ) Understanding Your Needs

Our detailed needs analysis involves us asking the right questions from the offset. A quick and easy process that removes the jargon to ensure we optimize your benefits and secure the most competitive rates.

2 ) Bespoke Benefits

Our access to full market review helps find providers to best suit your needs. From the area of cover to pre-existing conditions, we elaborate and offer bespoke benefits, finding tailored plans saving you time, cost and effort.

3 ) Ease and Efficiency

As trusted brokers, our relationships with providers helps find the best benefits and premium. We evaluate plans, understand local regulations, trends, and the know-how of optimizing policy add-on benefits and exclusions. We assist with the application process and ensure a positive outcome.

4 ) Personal Support

We work closely with you to ensure the plan is implemented on your preferred start date. Our complimentary services include claim support and mediation, guidance on online tools, finding a doctor and network provider lists. We provide a full benefits review at renewal, offer cost containment options, and negotiate perfect renewal rates for best customer satisfaction.

Why worry about medical protection when you can leave it to the experts?

We can find the best cover and negotiate the best price for you.

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