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International Medical Insurance

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What is International Private Medical Insurance?

International Medical Insurance (IPMI), also known as International Health Insurance, is a very comprehensive private medical insurance policy which can be used anywhere in the world, subject to the regions of cover you want to purchase.

It can cover the full range of medical treatment that you might ever need as an expatriate, or as a local national who wants the very best cover and medical facility choice available.

Why should I take out International Private Medical Insurance?

There are a variety of reasons as to why you would require, or choose to purchase, an international medical insurance policy.

· Visa requirements

· Mandatory healthcare requirements

· Breadth and depth of cover

· Geographic coverage

· Wide medical facility access

Consider the potential costs that could be occurred for yourself, your family or even your employees if you are to travel or relocate without international health insurance in place.

At Hooray Health & Protection we understand that each individual or business is unique and will have different budget requirements as one size doesn’t fit all.

Hooray’s protection experts can help review what policy is the right fit for you and your budget.

International Medical Insurance

Is International Medical Insurance taxable?

Depending on where you or your employees are resident and purchasing from, there may be taxes applied to the premium.

For example, for members resident in the UK, IPT (Insurance Premium Tax) at 12% would be included within the policy pricing, or for members resident in Dubai the new insurance VAT at 5% would apply.

All taxes would be paid via the premium you are charged by the insurer, for them to pass on to the relevant local authority.

From an employee perspective, if International Medical Insurance is provided as an employee benefit, it would be taxable as a benefit in kind.

Are there added value services with International Medical Insurance?

All International medical insurance plans come with a range of differing value added services from the different insurers in the market.

Some of the most common and useful ones are:

· International virtual GP

· Independent second medical opinion

· International EAP

· Security services

· 24 hour medical helpline

Hooray Health & Protection can review what your personal or business private medical insurance needs are and then tailor the insurers with the most useful added value services.

The international health market it one of the most complex markets in the health and protection industry due to the number of insurers available and the unique terms and conditions each insurer applies to their products depending on the client and the regions travelled.

We always advise reviewing your new or existing policy with one of our protection experts to ensure you have the right insurance policy for yours, your families or your companies needs.

International Health Insurance

Why use Hooray Health and Protection for International Medical Insurance?

Here at Hooray Health and Protection, we know what it takes to provide the very best level of cover.

We are on hand to not only guide you through the process, but thanks to our team of experts, ensure you have the right cover too.

Our protection experts will never try to sell you cover that you don’t need.

We will work with you, to provide you with the right level of cover, no matter what it is that you need.

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    Help & Support

    If you have any questions, please call us on 01273 222805 or email [email protected]

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