Benefits Guide

International private medical insurance (IPMI) wording can be dense. These short guides explain how common benefit categories work for expats—what to look for in the schedule of benefits, where insurers differ, and sensible questions before you commit. They are general information, not personal advice; always read your policy documents and declarations.

• Core Medical Benefits Inpatient, day-patient, and diagnostics—the foundation of most IPMI plans.
• Emergency Evacuation When insurers will move you to appropriate care—or home—after a serious event.
• Pre-Existing Conditions Underwriting, moratoria, exclusions, and what “stable” usually means.
• Dental & Vision Plans Routine and major dental, optical benefits, and typical annual caps.
• Mental Health & Wellness Inpatient and outpatient mental health, therapies, and wellness add-ons.
• Chronic & Critical Illness Long-term condition management compared with lump-sum critical illness cover.
• Alternative Treatments Complementary therapies: what IPMI may reimburse and common restrictions.