Protegat Monaco: international health insurance
Based in Monaco, Protegat Monaco is a wholesale broker providing access to several international health insurers. Its multi-insurer approach allows cover to be assessed against your country of residence and healthcare needs.
LocationMonaco
RoleWholesale broker
SpecialtyInternational health insurance
ApproachMulti-insurer
Protegat Monaco is an intermediary specialising in international health insurance. Its wholesale access enables partner brokers to work with several insurers through an online quotation and application portal. The broker distributing a policy is distinct from the insurer carrying the risk: the insurer and applicable terms are identified in the proposed policy documents.
For an expatriation project, this allows several solutions to be assessed rather than starting with a single plan. Your country of residence, household, travel and healthcare needs provide the starting point. Hospitalisation, outpatient care, deductibles and benefit limits must then be compared in the documents for each offer.
Izem Expat remains your contact for assessing your situation and reviewing cover. Direct billing for hospitalisation requires the insurer’s prior approval; freedom to choose a hospital is distinct from that process. For outpatient care, you pay upfront and claim reimbursement under the policy terms.
Expatriates and overseas residents
To assess international health cover against your country of residence and healthcare needs.
Couples and families
To examine the benefits and limits needed by each household member, without assuming that every plan covers the same care.
Projects requiring comparison
To compare offers and identify the insurer, benefits and limitations of the proposed policy.
Geographical cover depends on the selected insurer and policy. Check your country of residence, visits to France, travel and any inclusion of the United States in the proposed offer.
- Exclusions, waiting periods and medical conditions depend on the proposed policy; acceptance must not be assumed.
- Deductibles, limits and reimbursement arrangements must be checked benefit by benefit.
- Multi-insurer access does not mean every benefit is included in every plan.
Page written by Izem Expat based on the policy wording and information documents published by the insurer; it is not binding on the insurer. Exact benefits depend on the plan and the year of subscription.
Reviewed by an Izem Expat advisor