IPH Insurance

No.  Just complete the application forms, especially section 4 “Medical History and General Questions,” accurately and in as much detail as possible. If you have dependents, their medical details must be provided in this section as well.

IPH welcomes anyone to apply for their health insurance cover, both expats and local nationals. Please note that their are currently unable to offer coverage to any residents of the USA or Canada.

You can add your spouse, children under 18 years old, or children under 26 years old who are still in full-time education (proof required). Please note that these families and couples can apply together under one form. Otherwise, we require one application form per adult above the age of 18.

If you are returning home for a short period, then you will be covered.

If you are returning home permanently, please inform us of your new residential address in case this affects your terms of cover.

For USA or Canadian nationals who return to their home countries for a period of more than 3 months, your cover will cease effective from the date of your return.

Yes, provided that it is medically necessary and is recommended by a qualified physician.

Yes, subject to your terms of cover.

You can choose your own doctors or hospitals, as long as they are licensed and recognised by the law of the country.

If you’d like to reduce the cost of your health insurance policy, you can choose from the following deductibles to receive a discount off your premium:

• £/US$/€ 5,000 excess – 40% discount
• £/US$/€ 2,000 excess – 30% discount
• £/US$/€ 1,000 excess – 20% discount
• £/US$/€ 500 excess – 12.5% discount
• £/US$/€ 250 excess – 10% discount
• Nil excess – No discount