A title of GlobalCitizen.guide by GMC PublishingAll publications

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Find your insurance provider with the ipmi24 guide

In our ipmi24 guide you will find all the criteria you need when choosing your insurance provider. Get it now — for free.

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The topics at a glance

Area of cover & product features

Where you are covered and which services your insurer offers are extremely important.

  • What to look out for
  • Which services you need
  • Where you can save money

High-cost treatment & price

What is covered for serious illness and accidents? What is a fair price?

  • Serious illnesses & accidents
  • Premium costs
  • Understanding insurance packages

Exclusions, waiting periods & underwriting

Understanding what is not covered is as important as what is.

  • The terms simply explained
  • What to look out for
  • Help with the underwriting process

How we rate

Every provider is rated on the same criteria, 1 to 5 stars each. Payments from partners never change a rating.

1. 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.

7. Sustainability

We also rate whether our providers value sustainability — in how they invest, operate and treat their customers. Shown as leaves in our comparison.

Everything under control with just a few clicks

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Learn from our experts

Plain language, no insurance jargon.

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Compare our providers online

Side by side, with our ratings.

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Independent from payments

Who sets the ratings?

Who sets the ratings?

The ipmi24 team, checked by [Name], licensed consultant. Insurers do not see ratings before publication.

Do partners pay for better ratings?

No. Commissions never influence ratings or the order in which providers are shown.

How current are the ratings?

Every rating shows its review date. When an insurer changes its terms, we re-rate.