Bespoke health cover, for a world without borders.

International Private Medical Insurance and employee benefit consulting for expatriates, families and corporations — worldwide.

Emergency care abroad rarely waits for insurance paperwork — the right cover is in place long before it's needed.

The right policy is uneventful: no surprises, no gaps, no ambiguity when it matters most.

One enduring relationship — a single consultant who knows your circumstances in full.

Who we are

Depth over volume, by design.

We maintain a selective approach in order to deliver a personal standard of service. Every client works with one dedicated consultant, not a rotating desk — the same person who quoted you is the one who handles your renewal, your claim queries, and any urgent matter that arises.

Established in 1998, we remain committed to creating lasting value for the individuals, families and enterprises we serve — not the widest possible client list.

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1998
Established
Global
Area of cover
1:1
Dedicated consultant model
24/7
MedEvac support
Our offerings

Cover, curated around how you live.

Four ways we look after you, from everyday care to the moments that matter most.

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Medical insurance

Tailored international medical cover, providing access to leading hospitals and specialists worldwide.

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Expatriation support

Structured relocation support for individuals and families establishing themselves in a new country.

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MedEvac services

Global medical evacuation, handled with precision and discretion.

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Premium care

High cover limits designed for internationally mobile individuals and families.

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Straight answers

Frequently asked questions

Clear, factual answers to the questions clients raise most often.

What happens to my personal and medical data?+

We collect only what's needed to quote and administer your cover. Ages, not dates of birth, are used for estimates — DOB is only requested at the formal quote stage, and only with your explicit consent. We don't sell or share your data with third parties beyond the underwriter and, where relevant, your employer's scheme administrator.

How is renewal pricing determined each year?+

Your renewal reflects standard rate-table pricing for your age band, area of cover and plan. The largest single driver of a noticeable jump is crossing into a new age band — those steps are real, and can be several times the ordinary annual adjustment. If your renewal doesn't reflect your circumstances, you can request a discretionary review from your client portal — considered case by case; never guaranteed, but always reviewed.

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Insights

Understanding cover before you need it.

A concise primer on how international cover works — written for those making the decision.

Travel insurance and IPMI solve different problems

Travel insurance is built for a trip. IPMI is built for a life abroad. Using the wrong one is the most common gap we see once someone's already living overseas.

What happens if you're uninsured and unwell abroad

In much of the world, treatment must be paid for before it is provided — a regional overview of what to expect.

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Ready to see what cover looks like for you?

Get an indicative estimate in under a minute — no obligation, and your details stay private throughout.

This replaces the old contact form — it leads straight into the quote flow.