International Medical
Insurance Specialists.
FAQs
Frequently Asked Questions
International Private Medical Insurance (IPMI) offers comprehensive, portable health coverage for individuals and families worldwide including home country. Below are frequently asked questions about IPMI.
General questions
Who needs IPMI?
IPMI is ideal for individuals, families, companies, organizations and expatriates worldwide seeking access to premium global healthcare.
What is the difference between IPMI and travel insurance?
Travel insurance usually covers only emergencies during a short trip abroad, while IPMI is designed to offer long term comprehensive benefits like inpatient, outpatient and preventive care, worldwide.
Does IPMI cover medical evacuations and repatriation?
Most IPMI plans include full coverage for emergency medical evacuations via road / air ambulance and medical repatriation worldwide.
How long does an International Medical Insurance Plan last?
It is usually an annual contract which is guaranteed renewable for a lifetime.
Coverage and costs
What does a typical IPMI policy cover?
Policies generally cover a wide range of services, including hospitalization, outpatient care, prescription drugs, and preventive services. Many plans offer modular options to add dental, optical, and maternity benefits.
Are pre-existing conditions covered?
This varies by policy. Some plans may exclude pre-existing conditions, or cover them up to a specific limit. It is important to disclose your full medical history when applying. Certain group plans can cover pre-existing conditions by disregarding medical history.
Can I choose where to receive treatment?
Yes, IPMI plans typically offer access to a vast global network of hospitals and healthcare providers, allowing you to choose where you receive care within your coverage area.
Are there any exclusions?
Common exclusions may include cosmetic surgery (unless due to an accident), experimental procedures, self-harm injuries, and injuries from hazardous sports.
How much does IPMI cost?
Premiums vary based on the level of coverage, age, health status, and chosen optional benefits. It is comparatively expensive than local insurance, IPMI is a significant investment for your health security.
Claims and administration
Do I have to pay for treatment first and then claim reimbursement?
Many international insurers have prior arrangements with hospitals in their network for direct billing, meaning the insurer settles the bill directly, so you don’t have to pay upfront.
How do I submit a claim?
You typically submit the necessary documentation (e.g., claim form and supporting receipts for the amount claimed) through an online portal or a mobile app. Or simply, send these to us and we’ll have it processed.
Is 24/7 support available?
Many major IPMI providers offer 24/7 access to multilingual service centers and support teams to assist with emergencies and claims worldwide.
Can I include my family in the plan?
Yes, most insurers offer plans that allow you to cover dependents (spouses and children) under a single policy.
What we do
We are an International Healthcare Insurance Specialists who work with the global leading private health insurance providers. Our team is trained and qualified to give an expert level of advise suitable for your healthcare requirements.
Our services
Who we are
© 2004-2025, Insight Consultancy Services (K) Ltd.
All rights reserved. | Privacy Policy.