Established in Monaco since 1978
Your health insurance worldwide
Premium European and Monegasque management for expatriates, international executives, individuals and professionals.
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.
- Specialized advisors
- Dedicated advisors, directly reachable by phone or WhatsApp, who follow your file over time and during claims, in your language.
- Advice at no cost
- Our fee is paid by the chosen insurer. Your advice carries no fees.
- An international network
- A network of trained brokers to support you in more than 40 countries.
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. Health management that keeps pace with you.
Choosing your insurance is important. Living it day-to-day is even more so. Every day, we help insured members in Monaco, France and internationally use their health coverage without stress. Fast reimbursements, zero out-of-pocket when possible, multilingual answers and intuitive digital tools: our mission is to support you at every step, from enrolment to the handling of your care.
- Fast reimbursements
- Your healthcare costs are our priority, with an average reimbursement target of under 48 hours after we receive your complete file.
- Zero out-of-pocket payment
- Hospital stays and scheduled care are settled directly with partner facilities, so you don't have to pay in advance.
- A team that answers
- WhatsApp, phone or email: you speak to real case managers in French, Spanish, English or Arabic.
- Your online space
- Declare your care, track reimbursements and review your benefits in a few clicks, wherever you are.
- Borderless coverage
- Your care can be managed in multiple currencies, with support designed for mobile and international members.
- Long-term support
- Your file is followed over time so your coverage stays aligned with your life and plans.
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 48 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, led by Jérôme Ragas, present in Monaco, Nice and Nantes. Positioning: 'Insurance as a family office' — independence from insurers, discretion, long-term stewardship.