Insurance Cover
health Insurance CoverRiviera Expat
International Private Medical Insurance (IPMI) isn’t just another policy. It’s your healthcare fortress that protects you globally, whether you’re an expatriate or local national seeking premium care.
IPMI delivers immediate access to quality medical treatment when you need it most. Think about it. You’re in a foreign country with unfamiliar healthcare systems or substandard facilities. That’s when your comprehensive IPMI plan becomes more than valuable. It becomes your lifeline.
Your IPMI plan works simply. You receive treatment, and the plan reimburses you for those costs. Even better? When hospitalization happens, your insurer typically settles bills directly with the medical facility. No stress. No massive upfront payments. Just protection that works.
High Cover Limits
Your protection reaches levels that actually matter. Most policies deliver claim limits exceeding US$1.5m annually. This isn’t just insurance. It’s financial certainty when facing medical expenses that could otherwise devastate your finances.
Modular Product
Build the exact protection you need. Our products are designed with true flexibility, allowing you to select precisely what matters most to you. Choose your essential components: hospitalization, outpatient care, dental coverage, maternity benefits.
Extensive Conditions
True coverage means actually being covered. Our plans include an extensive range of chronic conditions plus alternative therapies that other insurers often exclude. We protect what really matters to your health, not just what’s convenient to insure.
Premium Stability
Your premium stays predictable regardless of claims made. Increases at renewal are based solely on objective factors: age, medical inflation, and location changes. Your claims history never penalizes you.
High Service Standards
Exceptional service guarantees fast treatment access and efficient reimbursement of out-of-pocket expenses. When health matters most, your service experience matches your coverage quality.
Lifetime Contract
Your IPMI contract cannot be terminated or repriced based on claims. Only fraud, non-payment, or regulatory changes can affect your lifetime coverage security. This is a lifetime contract and no company can break it.
Fully Transportable
Your coverage follows you globally. Relocate anywhere and maintain the same comprehensive protection without interruption or reapplication. It is designed for people like you.