Our Insurance policies is a uniquely designed international health insurance product that offers you unparalleled medical benefits. IHI is specifically designed for you if you are living outside of your home country on temporary or permanent assignment.

We are your Insurance advisers. We represent over 100 Insurance companies worldwide and can provide the right Insurance policy that you need. Our Insurance advisers are experienced and can advise the right policy for you. The cost of the insurance policy is very competitive for we have negotiated and worked a competitive quote for you. We provide the ''after'' services. In case of a claim - we are there to guide you.

OUr 24/7 call center is there to answer all your questions and in case of a medical emergencies - we are there to help you in all possible ways.

We are there for you at times of all claims.We are dedicated to provide prompt hassle free claim services. The Turn around time is within a week after full documentation.

We are not just a insurance company - we are your ''Health partners'' in your journey of life and ''Emergency guide'' at times of Medical emergencies.

We are there for you all your Life.

We operate a multilingual helpline which can provide you with:

  • Emergency assistance and support worldwide, 24 hours, 7 days a week
  • Support for day-to-day queries, 24 hours, 7 days a week
  • Access through a number of toll-free lines, depending on which country you''re calling from

We operate a free 24 hour, 7 day week medical advice service, Medline. This service offers you immediate telephone access to an experienced English speaking medical team at any time of the day or night. This service provides you with comprehensive medical advice and information, such as:

  • Pre and post-operative treatment advice
  • Advice and information on a range of lifestyle issues e.g. nutrition and dietary information; sports injuries; advice on smoking and alcohol
  • Travel health information pre and post travel e.g. vaccinations
  • Patient drug information e.g. advice on medication usage and reaction

We have a specific staff assigned to group and individual business needs, responsible for day to day membership administration and the issue of policy documents.

We have an in-house team of medical professionals oversees the Treatment Guarantee process. They check that the treatment you are receiving is appropriate, medically necessary, and ensure that all treatments, medical evacuations and repatriations are processed effectively and without delay.

You can expect:

  • Fully completed claims to be processed, payment issued and members notified within 48 hours.
  • Payments by either cheque or funds transfer in over 100 currencies to almost any country in the world
  • No bank charges or delays in clearing of cheques
  • Direct settlement of in-patient claims, where possible

We provide our members with access to a network of over 3,800 medical providers (hospitals, medical clinics etc.) in our worldwide network outside of the USA. In the USA, we have established partnerships with local domestic insurers and administrators to provide our members with access to over 4,000 hospitals and 460,000 physicians.

All our members and their dependants receive a personalised Membership Card. This card lists all the essential emergency numbers you need so you are only ever a phone call away from assistance.

The policy documents and Helpline are available in 5 languages - English, German, Italian, Spanish and French.

We offer a range of convenient Online Services, including the facility to view policy documents, check cover details and track claims and remaining benefit limits

If you become seriously ill and the necessary treatment for which you are covered is not available locally or if adequately screened blood is unavailable, We will arrange Medical Evacuation to the nearest appropriate medical centre.

Expat Insurance Coverage in the following Countries

Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bulgaria, Hungary, Iceland, Croatia, Cyprus, Czech, Denmark, Estonia, France, Finland, Georgia, Germany, Gibraltar, Greece, Greenland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, United Kingdom, Yugoslavia

Middle East
Bahrain, Djibouti, Israel, Jordan, Kuwait, Lebanon, Oman, Qatar, Saudi Arabia, Syria, United Arab Emirates, Yemen

North and South America
Antigua, Argentina, Aruba, Bahamas, Brazil, Barbados, Belize, Bermuda, Bolivia, Canada, Colombia, Cuba, Chile, Cayman Islands, Costa Rica, Dominica, Ecuador, El Salvador, Grenada, Guatemala, Haiti, Honduras, Jamaica, Mexico, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, Trinidad and Tobago, USA, United States of America, Uruguay, Venezuela

Asia Pacific and Australasia
Australia, Bali, Brunei, Burma, Cambodia, China, Fiji, Hong Kong, Indonesia, Japan, Kampuchea, Korea, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, New Zealand, Philippines, Papua New Guinea, Singapore, Samoa, Thailand, Taiwan, Vietnam

Central Asia
Afghanistan, Iran, Azerbaijan, Bangladesh, Bhutan, India, Iraq, Turkmenistan, Nepal, Ukraine, Kazakhstan, Russia, Kyrgyzstan, Moldova, Pakistan, Sri Lanka, Tajikistan, Uzbekistan

Algeria, Angola, Benin, Congo, Botswana, Burundi, Cameroon,Chad, Egypt, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guyana, Kenya, Lesotho, Liberia, Madagascar, Malawi, Mali, Martinique, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Reunion, Romania, Rwanda, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, Sudan, Suriname, Swaziland, Tanzania, Togo, Tonga, Tunisia, Uganda, Western Sahara, Zambia, Zimbabwe