Individual Medical Insurance

Global, local, and government-backed health solutions tailored to your lifestyle.

Tailored Coverage Options

Find the Right Medical Protection

Select a solution engineered specifically for your relocation, travel, or local residency needs.

Offshore Protection

International Private Medical Insurance (IPMI)

✦What it is: High-end, global health insurance designed for expatriates, frequent travelers, and high-net-worth individuals.
✦Key Feature: Full worldwide coverage (including or excluding the US) that stays with you even if you relocate to another country.
✦Best For: Total freedom of choice for private hospitals globally, high annual limits, and comprehensive medical evacuation.

Onshore Protection

Private Medical Insurance (PMI)

✦What it is: Local health insurance tailored specifically for residents living and working in your host country.
✦Key Feature: Premium coverage optimized for top private hospitals and clinics, without paying for global coverage you don't need.
✦Best For: Locals and settled expats who want fast access to private healthcare and high-quality local medical treatments.

Government-Certified

Voluntary Health Insurance Scheme (VHIS)

✦What it is: A policy regulated and certified by official health authorities to ensure standardized, transparent medical protection.
✦Key Feature: Tax-deductible premiums (up to USD 1,000 per insured person per year) and guaranteed renewal up to age 100.
✦Best For: Taxpayers looking for reliable, regulated local medical coverage with financial incentives from the government.

Hybrid Solution

Travel Health Insurance

✦What it is: A hybrid solution combining traditional travel protection with robust emergency medical coverage abroad.
✦Key Feature: Bridges the gap by covering medical emergencies, hospital stays, trip cancellations, and lost luggage while traveling abroad.
✦Best For: Leisure travelers, business professionals on short trips, or students studying overseas who need temporary health protection.

🏥 Direct Billing Network

Seamless Access to Top Tier Hospitals Worldwide

Experience hassle-free medical treatment with direct-settlement privileges at over 1.5 million premier private hospitals and clinics across Asia, Europe, and North America.

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Cashless Inpatient Admissions

Present your digital member card for direct guarantee of payment.

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Multilingual Emergency Support

24/7 dedicated medical concierge desk available in English & French.

Singapore Private Care

Paris Medical Center

Hong Kong Network

Global Dispatch 24/7

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