PROTEGAT Monaco

Our profession

The specialist broker in international health.

An international health insurance broker is an intermediary independent of insurance companies. Our mission is to analyse your situation and select, from available offers, the contract that fits — where a direct insurer only sells its own policies.

This independence changes everything. It lets us objectively compare guarantee levels, limits, coverage zones, waiting periods and exclusions. It also lets us renegotiate or switch contracts when your situation evolves.

Our method starts with a precise reading of your situation: country of residence and travel, family composition, specific needs (maternity, monitoring a condition, executive expatriation), budget. We then query several partner insurers and present the relevant options — with no sales pressure.

Our fee is paid by the chosen insurer. Your advice is free of charge. This mechanic is the same with every broker; what makes the difference is experience, contract knowledge and follow-up quality.

Beyond signing, we remain your single point of contact for the lifetime of the contract: annual adjustments, complex claims, decisions when changing country. The advice lasts as long as the coverage.

WhatsApp

Frequently asked questions

A direct insurer only sells its own products. As an independent broker, we defend no insurer's interests — only yours. We compare contracts across the market (guarantees, limits, zones, waiting periods, exclusions) and select the one that truly fits your situation.

Our advice is free of fees for you. Our remuneration is borne by the chosen insurer, built into the contract. You benefit from an independent comparison and long-term support with no additional advisory fees.

No. Our independence is at the heart of what we do. It lets us compare offers objectively, negotiate, and change contract if your situation evolves or if a better solution exists for you.

In three steps: you contact us (WhatsApp, callback or an appointment in Monaco); we study your situation (country of residence, family, needs, budget); we propose the right contract, selected from several insurers, with long-term support.

Each year, we check that your contract remains suited to your situation and to market conditions. If needed, we renegotiate or move to a better solution. A well-chosen contract is managed over time — it isn't signed once and for all.

Yes. Beyond choosing the contract, we rely on a dedicated management platform: reimbursements processed within 24 business hours, hospitalisations covered with no advance of fees, and a single point of contact who follows your file year after year.