This page contains guidance for IPH insurance policyholders on how to claim on their insurance.


For In-Patient Health claims and direct payment, please contact your Medical Advisors as stated on your policy plan rules:

All in-patient treatment must be pre-authorised, wherever possible, by your medical advisors. 


The insured or someone on his/her behalf must contact the medical advisors before admission or, in case of an emergency admission, as soon as is possible.


This applies to emergency medical transportation as well.


Please have the following details at hand before contacting your medical advisors:


The treating hospital, the physician, and the condition.

For Out-Patient Health claims:

The policyholder should first pay the bills themselves, before notifying IPH’s designated claims administrators International Claims Management Services for reimbursement.


Fully complete the authorised claim forms and return to ICMS, along with the original bills within 90 days of the first day of treatment.


The first two pages of the form should be completed by the policyholder and the third page by the treating physician.


International Claims Management Services (ICMS)
Phone: +44 (0)20 8905 2888

For Small Business, Home, Property Let insurance claims:

International Claims Management Services (ICMS)
Phone: +44 (0)20 8905 2888

Legal Expenses insurance:

Commercial Legal Protection with DAS:
Phone: +44 (0)344 893 0859

Commercial Legal Protection with AIG:
Phone: +44 (0)1455 852 053

Property Let Legal Protection
Phone: +44 (0) 344 893 9011

Family Legal Protection
Phone: +44 (0)344 893 9011

Home Emergency
Phone: +44 (0)800 294 2855

DAS Drive Legal Protection
Phone: +44 (0)800 783 6066

Please note that this is general guidance only. For how to make a claim specific to your policy, please refer to your policy certificate, policy plan rules, or contact us.


To access your policy documents, please enter your policy password below, which can be found with your policy schedule.


Please note the password is case sensitive.