The international health offering of a firm established in 1978.

PROTEGAT Monaco is the international health (IPMI) brand of EUROPA ASSURANCES S.A.M. It draws on the expertise, seniority and structure of a Monégasque brokerage firm established for nearly fifty years.

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.

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.

Our offices are located at "Le 45" rue Grimaldi, Monaco — 50 metres from the station.

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 is an international health management company based in Barcelona, created by expatriates for expatriates who know, from the inside, the reality of a life across several countries like you.

Our multilingual team manages your reimbursements, hospitalisations and all your procedures, anywhere in the world. Each file is followed by a dedicated contact, directly reachable, for fast handling with no administrative delays.

You focus on your expatriation project. We take care of the rest.