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?
For an equivalent plan with the same insurer and underwriting terms, the premium is generally the same whether you arrange the policy directly or through a broker. Brokers are typically paid by insurers, rather than charging an additional brokerage fee. Quotations may still differ depending on discounts, distribution agreements or the terms offered.
Can I change my broker without changing my insurance?
In many cases, you can request a broker-of-record change without replacing your insurance policy. The process depends on the insurer and local rules; the change does not automatically alter your policy or premium.