Cross-border continuity
A suitable plan can reduce the need to rebuild healthcare arrangements each time work or family life moves.
Global and private client
Healthcare continuity for a life that crosses borders.
For internationally mobile families and private clients, the real question is not just how much cover exists—it is where, how and with what support it works.
✓ International PMI is not travel insurance
Five-star care, precisely defined
A global life deserves healthcare that understands the itinerary.
Wealth creates options, but only a well-matched contract turns those options into dependable access. We map residence, countries, providers, authorisation and service standards so premium cover works as elegantly as it reads.
Build my cover brief →Premium cover should travel as intelligently as you do.
International private medical insurance can provide eligible treatment across selected regions, often with virtual care, second opinions, evacuation and direct settlement networks. Geography, residence, citizenship and US cover can materially change eligibility and cost.
Why act before you need treatment
The private-client standard
Recognised global care
Provider networks, direct billing and recognised-facility rules determine how smoothly treatment can be accessed.
Expert navigation
Second opinions, case management and dedicated support can be as important as the monetary benefit.
Family and lifestyle detail
Maternity, dental, wellbeing, preventive care and children’s benefits vary significantly between premium plans.
Five-star service begins with exact definitions
Area of cover
Worldwide, worldwide excluding the US, Europe-only and home-country rules can produce very different outcomes.
- Country of residence
- US cover
- Home-country treatment
- Travel outside region
Access model
Direct specialist access, pre-authorisation, direct billing and concierge support should be mapped before a claim.
- Provider network
- Referral rules
- Cashless treatment
- Case manager
Catastrophic events
Evacuation, repatriation, cancer, major surgery and high annual limits need careful comparison with exclusions.
- Evacuation triggers
- Annual/lifetime limits
- Emergency assistance
- Pre-existing conditions
Important: International cover depends on residence, eligibility, underwriting, territorial limits, provider recognition and pre-authorisation. Benefits described are examples, not promises for every policy.
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Your journey, in your hands
An adviser at your fingertips. Never in your way.
Start on the website, then continue securely in the Finance Magic Client App. Message a regulated adviser when you want help, pause when you want thinking space, and keep the application moving without an outbound pressure call.
- Complete the digital fact-find at your pace
- Chat with an adviser when you choose
- Review recommendations and product documents online
- Upload documents securely and follow application status
- Manage cases and products from your phone
Advice, not pressure. Human support remains available when you request it or where complexity, vulnerability or regulatory obligations make it appropriate. Adviser response times and availability are subject to published service hours.
Clear before you commit
Questions worth asking
Is international PMI the same as travel insurance?
No. IPMI is designed for ongoing private healthcare across an agreed area. Travel insurance is generally for temporary trips and travel-related emergencies, with different limits and exclusions.
Can pre-existing conditions be covered?
Sometimes, subject to insurer underwriting, additional premium, limits or exclusions. It should never be assumed.
Does worldwide cover always include the United States?
No. Many plans price US cover separately or exclude it. Check the exact area and any temporary-travel benefit.
What does concierge service mean?
It can range from dedicated policy support to help arranging appointments, second opinions or care coordination. The contractual service and availability must be checked in the plan documents.
