IPMI PLAN
For over three decades, IPH has stood at the forefront of the specialist insurance industry, consistently providing bespoke insurance solutions.
Our International Private Medical Insurance (IPMI) plan is meticulously crafted to offer comprehensive coverage for premier private healthcare services, whether you are abroad or receiving treatment locally.
With a keen focus on affordability, our IPMI plan ensures you have access to top-tier medical care at highly competitive prices, affording you peace of mind and exceptional value for your investment.
Take a look below to see just how competitive we are:
| IPMI PLANS Policy features | A: PEARL US$/£ | B: SAPPHIRE US$/£ | C: RUBY US$/£ |
| In-Patient Cover: | |||
| Hospital Services: (medical treatment/ services ordered by a physician) | + Full Refund | + Full Refund | + Full Refund |
| Day-Care Treatment | + Full Refund | + Full Refund | + Full Refund |
| Hospice & Palliative Care (lifetime limit) | $/£25,000 | $/£30,000 | $/£50,000 |
| In-patient epidemic and pandemic cover (including Covid-19) | $/£50,000 per policy year | $/£50,000 per policy year | $/£50,000 per policy year |
| General & Specialist Out-Patient Services | - | +* Full Refund | +* Full Refund |
| Pathology, Radiology and Diagnostic Tests | - | +* Full Refund | +* Full Refund |
| MRI/ CT/ PET Scans | +* Full Refund within 60 days, pre & post covered in-patient & day-care treatment | +* Full Refund | +* Full Refund |
| Cancer Treatment | + Full Refund | + Full Refund | + Full Refund |
| Emergency Medical Evacuation | + Full Refund | + Full Refund | + Full Refund |
| Accident & Emergency Department | + Full Refund | + Full Refund | + Full Refund |
| Local Ambulance Services | + Full Refund | + Full Refund | + Full Refund |
| HIV & AIDS Treatment | - | $/£10,000 | $/£50,000 |
| This table only provides an overview of our policy benefits, and should be read in conjunction with IPH terms & conditions. |
Optional Extras
Personal Accident
Our Personal Accident Option covers:
- Your death or your disappearance
- Loss of limb(s)
- Total and irrecoverable loss of sight of one or both eyes
It’s a cost-effective add-on available to all of our adult health insurance customers.
For more details please see the Personal Accident Option document below.
Dental and Optical
Basic and Routine Dental Work
- Routine dental check-ups such as scaling and polishing (up to twice for each policy period)
- Extractions, sealant and fillings (standard amalgam or composite), root canal treatment, related x-rays
Complex Dental Work
- Such as implants, bridgework, crowns or inlays and onlays
Frames and Lenses
- Frames, Lenses and Eye Checks
- Cost for eyeglasses and contact lenses
