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What is International Private Medical Insurance (IPMI)?IPMI provides comprehensive health insurance coverage designed for individuals and families living or working abroad. It ensures access to high-quality medical care worldwide, covering everything from routine check-ups to emergency treatments.
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Why do expats need IPMI instead of local health insurance?Local health insurance often has limitations on coverage, such as restricted access to certain hospitals or treatments. IPMI offers global coverage, flexibility, and access to private healthcare facilities, ensuring expats receive quality care wherever they are.
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What does IPMI typically cover?IPMI plans generally cover inpatient and outpatient treatments, emergency care, medical evacuation, routine check-ups, maternity care, dental, and specialist consultations. Coverage varies by policy and provider.
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How much does IPMI cost?Costs depend on factors like age, health, coverage level, and geographic scope (e.g., worldwide including/excluding the US). Plans typically range from basic coverage to comprehensive packages with additional benefits.
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How do I choose the right IPMI plan for me and my family?Consider your healthcare needs, the countries you’ll live or work in, and whether you require additional benefits like dental or maternity coverage. At AA we help tailor a plan that meets your specific needs and budget.
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How do I make a claim with my IPMI policy?Claims processes are typically straightforward. You may need to provide proof of treatment, receipts, and medical reports. Most insurers also offer online claims submission for added convenience. At AA, we will help you with this process as much as possible, so you can focus on getting well.
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What happens if I need emergency treatment in a country with limited medical facilities?IPMI plans can sometimes include medical evacuation and repatriation benefits, ensuring you are transported to the nearest suitable medical facility or back to your home country for treatment if necessary.
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Does IPMI cover me if I move to a new country?Yes, most IPMI policies are designed for global mobility, allowing you to retain coverage even if you relocate to a different country during the policy term.
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Can I use IPMI to access healthcare in my home country?Many IPMI plans offer coverage in your home country, but the extent of this depends on the plan. Some include limited coverage for home visits, while others provide comprehensive care.
Health Insurance with AA World
Navigating health insurance can be complex, especially when living abroad. At AA World, we bring decades of experience to the table, specializing in tailored solutions that meet your unique needs. Our goal is to provide comprehensive, cost-effective coverage while ensuring the process is simple and stress-free.
Why Choose AA World
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Expert Guidance: We compare multiple policies from leading global insurers, offering impartial advice to find the best fit for your needs.
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Tailored Solutions: Plans customized to your situation, including options for outpatient care, dental, maternity, and emergency repatriation.
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Exclusive Benefits: Our status as a trusted broker often grants access to discounts and options unavailable when approaching insurers directly.
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Client-Centric Service: We work for you—not the insurance companies. Your interests always come first.
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Claim Assistance: Our team supports you through every step of the claims process, ensuring smooth and timely resolutions.
What We Offer
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Comprehensive coverage for individuals, families, and businesses.
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Flexible plans to suit all budgets, from essential health insurance to premium packages.
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Coverage options include:
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Inpatient and outpatient
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services.
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Dental and maternity care.
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Emergency medical evacuation and repatriation.
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Prescription drugs and specialist consultations.
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Access to top hospitals and healthcare providers globally.
What to Consider When Choosing Health Insurance
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Coverage Type: Do you need inpatient-only coverage or additional outpatient benefits?
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Costs: How will premiums change as you age? Are deductibles an option to reduce premiums?
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Pre-existing Conditions: Will these be covered or excluded?
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Preferred Providers: Does your plan include access to your preferred hospitals and specialists?
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International Coverage: Will your policy cover you in other regions if you travel or relocate.
Why Our Clients Trust Us
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Proven Expertise: Decades of experience advising expats, retirees, families, and businesses.
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Strong Partnerships: Relationships with top global insurers like Allianz, AXA, and Pacific Cross ensure a wide range of options.
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Cost Savings: We maximize value by eliminating unnecessary extras, so you only pay for what you need.
Health insurance is about more than just financial protection—it’s peace of mind knowing you’re prepared for the unexpected. With AA World, you can trust that you’re in the hands of experts dedicated to providing you with the best possible coverage. Contact us today for a personalized quote and discover why AA World is the go-to broker for health insurance.