Inform
We rate every provider on six criteria every good international health insurance has to cover for you. No email needed to see our ratings.
See how we rateipmi24 — The comparison portal for international health insurance
The comparison portal for international health insurance.
We have curated the best international health insurance providers for you — rated on six clear criteria plus sustainability, explained in plain language.
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For families
It’s a match!
- PassportCard
- April International
- Cigna Global
- Global Health
- Globality Health
How to use ipmi24
Compare
Check out the providers we have curated and rated according to our guide — side by side, in one format.
Compare our providersDecide
Choose the provider that fits you and book a free call with a personal ipmi24 consultant — only when you are ready.
Choose your insuranceGet your free guide
Our ipmi24 guide
In our ipmi24 guide you will find all the criteria you need when choosing your insurance provider.
Get your ipmi24 guide now — download it for free.
Explore the ipmi24 guideWe pay attention to sustainability
One of our evaluation criteria is whether our providers value sustainability — so you can make a choice that feels right.
Read more about it1. Area of cover
It is most important that you are covered globally — not only in the country where you live, but also when you travel, and in your home country.
2. Product features
You want comprehensive cover for emergencies and for planned treatment: outpatient, inpatient, dental, maternity and evacuation.
3. High-cost treatment
Most claims are small. What matters is what happens when a serious illness or accident suddenly needs long, expensive treatment.
4. Price — your health, your investment
Every provider offers a wide price range. But don’t be fooled by “cheap”: nothing is more valuable than your health.
5. Exclusions & waiting periods
Understanding what is not covered is as important as understanding what is — sometimes even more important.
6. Underwriting
Insurers ask health questions to assess your risk. How they handle pre-existing conditions makes a real difference.
Travel insurance or international health insurance?
The most common mistake: moving abroad on a travel policy. Here is the difference at a glance.
Travel health insurance
Made for holidays and short trips.
- Usually needs a registered home address
- Limited to weeks or months
- Mostly acute emergencies
International health insurance
Made for living abroad — what we compare on ipmi24.
- Long-term or unlimited duration
- Planned treatment, not just emergencies
- Stays with you when you move on
Our rating. Your decision.
Use ipmi24 to get advice or to buy the insurance solution you need directly from one of our premium providers.
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Your personal ipmi24 consultants
Real people who know life abroad. You always speak to the same person — before the contract, and after it, when you need to make a claim.
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Consultant · lives in [country]
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Consultant · digital nomads
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Business & group cover
What our customers say
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Questions we hear every day
Is ipmi24 free to use?
Yes. Comparing and the consultation are free for you. If you take out a policy, the insurer pays a commission — it is not added to your premium.
Do I need to leave my email to see the ratings?
No. All ratings and comparisons are open. You only share contact details if you want a consultant to call you or you want the guide.
Can I get cover without a registered address?
Some international plans accept you without a home address, others don’t. Your consultant knows which ones.
What does “worldwide excluding USA” mean?
You are covered everywhere except the USA (often also Canada), usually with short emergency cover there. Including the USA costs considerably more.
What about pre-existing conditions?
Insurers handle them differently — exclusion, surcharge or waiting period. Our guide explains the underwriting options.
Who advises me?
Licensed consultants of [licensed company, §34d GewO]. ipmi24 informs and compares.
Make your decision
Not sure which provider fits you best? Take a look at our comparison — it helps you choose the most suitable provider.