Established in Monaco since 1978
Your international health insurance, managed from Monaco.
Independent broker since 1978, we compare the best international health contracts for families, executives and residents. Tailored advice, dedicated contact.
Adviser available · Callback within 30 minutes
The PROTEGAT Monaco advantage
Beyond a policy: your private health adviser.
As an independent broker, we do not defend any insurer's interests — only yours. We compare the IPMI contracts on the market and select the one that fits your situation, country of residence, family and needs.
- Multi-insurer comparison
- We query several risk carriers for every case — never a single imposed product.
- Wealth-management reading
- Our family-office approach accounts for your family, mobility and long-term horizon.
- Single point of contact
- A dedicated adviser, directly reachable, who follows your file over time and during claims.
- Advice at no cost
- Our fee is paid by the chosen insurer. Your advice carries no fees.
How it works
Three steps, one adviser.
- 01
You contact us
WhatsApp, callback or in-person in Monaco — choose your channel.
- 02
We study your situation
Country of residence, family, specific needs, budget.
- 03
We propose the fitting contract
Selection across several insurers, tailored contract, long-term support.
Day-to-day management
The right policy. Service that matches it.
Choosing the right contract is only half the job. The rest happens every day: a claim handled quickly, a hospital stay covered without out-of-pocket payment, a question answered in your own language. We rely on a dedicated management platform so your coverage stays simple to live with, anywhere in the world.
- Fast reimbursements
- Your medical expenses are processed within 24 business hours, with no unnecessary paperwork.
- No out-of-pocket payment
- Hospitalisations and scheduled care settled directly, so you never have to advance the funds.
- A team that answers
- Reachable by phone, WhatsApp or email, in French, English, Spanish and Arabic.
- Your online portal
- A personal space to track reimbursements, review your coverage and submit claims in a few clicks.
- Coverage without borders
- Multi-currency handling and an international care network, for reliable support wherever you are.
- Long-term support
- Attentive follow-up on your file, renewals and every claim, year after year.
No out-of-pocket payment
No out-of-pocket payment
You focus on care. We handle the bill.
For scheduled care and hospital stays, we can provide a dedicated payment method that settles the provider directly, anywhere in the world. You advance nothing and wait for no reimbursement. You present your authorisation, your care is paid for, you focus on what matters.
- 01
You arrange your care
Consultation, examination or scheduled hospitalisation.
- 02
Payment is taken care of
Eligible costs are settled directly with the provider.
- 03
You share the paperwork
A few documents through your portal, and everything is in order.
Service available after review of your file and subject to conditions.
Including in the United States
Care in the US, without the bill that follows.
American healthcare is among the most expensive in the world, and the upfront cost can be considerable. Through a local partner, your care can be settled directly on the spot, with nothing to advance.
In confidence
- Under 24 hrs
- Average claim processing time
- 4 languages
- French, English, Spanish, Arabic
- Worldwide reach
- Insured clients supported across every continent
About
The international health offering of a firm established in 1978.
Brokerage firm founded in Monaco in 1978 (trading name of EUROPA ASSURANCES S.A.M.), led by Jérôme Ragas, present in Monaco, Nice and Nantes. Positioning: 'Insurance as a family office' — independence from insurers, discretion, long-term stewardship.