IPMI is private medical cover for individuals and families who live or work abroad. Policies typically offer high overall limits, access to worldwide provider networks, and benefits such as in-patient and out-patient treatment and emergency medical evacuation.

A broker can compare insurers, explain the differences between policies, and negotiate terms on your behalf. In many cases, you’ll pay the same premium as you would going direct, but with tailored advice and ongoing support.

It depends on the insurer and the underwriting approach. Some insurers may offer cover for pre-existing medical conditions, sometimes subject to a waiting period, specific terms, or additional underwriting. We’ll help you understand the options based on your medical history.

Many plans offer optional add-ons for dental and optical cover. Depending on the policy, this may include routine check-ups, hygienist treatment, prescription glasses and more.

Once you’ve submitted your application and any required documents, cover can sometimes be set up within 24 hours, but it may take a few days depending on the insurer and any underwriting requirements.

Not always. For most international policies, you’ll complete a medical questionnaire. In some cases, the insurer may request additional information, such as medical reports.

Insurers typically offer access to global networks of hospitals and clinics. Some plans allow you to use any provider and claim back the costs (subject to the policy terms), while others require you to use network providers for certain benefits.

Most international plans are designed to be portable. If you relocate, let us know and we can update your details and confirm how your cover applies in your new country, in line with the policy terms and territorial limits.

Many plans offer maternity benefits, but these are often subject to waiting periods. If you think you may need maternity cover, it’s usually best to arrange this before you become pregnant.

We’ll support you through the claims process. Claims are usually submitted online or via the insurer’s mobile app—just keep copies of medical invoices and any supporting reports.