About
The international health offering of a firm established in 1978.
PROTEGAT Monaco, the IPMI brand of RAGAS INSURANCE.
PROTEGAT Monaco is the international health (IPMI) brand of RAGAS INSURANCE. It draws on the expertise, seniority and structure of a Monégasque brokerage firm established for nearly fifty years.
RAGAS INSURANCE in brief
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.
The international health team
Our IPMI expertise is carried by Laurent Charret, specialist broker in international health, Julie Read, director of private clients, and François Pigeon, director of private clients.
Anchored in Monaco
Our offices are located at "Le 45" rue Grimaldi, Monaco — 50 metres from the station.
Our partners
We work with several reference insurers and administrators on the IPMI market. We don't name the contracts on this site: their selection is an advisory decision, made with you.
PROTEGAT Cover
Multilingual management centre dedicated to Monaco and Barcelona.
The team
Six people, one commitment.
A dedicated contact for each case, supported by a small, stable team.
Jérôme Ragas
President · RAGAS INSURANCE
Laurent Charret
International health insurance specialist broker
Etienne Leroy
Marketing & Digital Director
Julie Read
Director, Private Clients
François Pigeon
Director, Private Clients
Emilie Ragas
Private Client Manager