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Blog

Blog — understanding international health insurance.

Factual markers to understand IPMI, foreign healthcare systems and expatriate life. Without jargon.

  • Fundamentals

    International private medical insurance (IPMI), simply explained.

    Definition, scope and differences with a standard French mutuelle. Key points to understand what an IPMI contract covers — and what it does not.

    12 septembre 2025 · 6 min read

  • Method

    Independent broker or direct insurer: why the role changes everything.

    A direct insurer sells its own products. An independent broker compares the market. For IPMI, this nuance redefines the quality of advice.

    26 septembre 2025 · 5 min read

  • Monaco

    Moving to Monaco: what your health cover should account for.

    Interaction with local schemes, cover for stays outside the Principality, family inclusion: three angles to examine before subscribing.

    10 octobre 2025 · 7 min read

  • Guarantees

    Maternity abroad: how to read the guarantees.

    Waiting periods, ceilings per pregnancy, newborn cover: the key points to examine before finalising the contract.

    24 octobre 2025 · 6 min read

  • Method

    Annual renewal: should you reassess your contract?

    Premium increase, change in family situation, change of country: three signals that justify a full cover review.

    7 novembre 2025 · 5 min read

PROTEGAT Monaco

The international health offering of a Monaco brokerage firm established in 1978.

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© 2026 EUROPA ASSURANCES S.A.M. — trading as RAGAS INSURANCE and PROTEGAT Monaco.

Insurance broker registered on the list of insurance brokers of Monaco. RCI Monaco 78 S 01666.