IPH

International Private Healthcare (IPH) was founded in 1991 by Dr Peter Wong-Morro.

Beginning with medical insurance, IPH has expanded to now provide as well, insurance for :

  • small business,
  • property let,
  • home and
  • legal protection insurance

IHP's healthcare products are underwritten by the Lloyds, the world’s specialist insurance and reinsurance. Lloyd’s began in 1688, and has around 80 syndicates underwriting insurance. Together they interact with thousands of brokers daily to create insurance solutions for businesses in over 200 countries and territories around the world.

The tream at IPH speak over 10 different languages and are here to assist you, whether by phone, email, Skype or even WeChat!

Cover for Expatriates returning 'Home' to live

Unfortunatley, like a growing number of international medical providers, IPH, at renewal, will cease to offer cover to clients who may have moved o live in a country where their insurers are not licensed to provide cover or they no longer can provide cover in the country in which the insured is resident.

With reference to renewal; IPH's plan rules state:

‘Once your cover begins, your policy is renewable for successive one-year periods every year afterwards, regardless of age, health or claims history, unless the entire insurance scheme is cancelled by the current insurer’

If you are an expat living either alone or with your family or partner in Asia, our Elite Plan is designed for you. This medical insurance plan offers you cover for the best private healthcare services while you’re abroad, at highly competitive prices.

IPH's Supreme Plan can cover individuals living worldwide, where Lloyd's are licensed to insure you, including Asia, Europe, and Africa.

It has three levels of cover to suit your needs, whether you are buying medical insurance for yourself, your family, or a small group.

For companies, businesses, non-profits, tours or affinity groups

IPH Group Schemes are an affordable, flexible way of making sure your employees are at their healthiest, allowing them to excel in the workplace. We look after your employees' well-being abroad so that you can focus on their performance.

Covers can be customised to suit your needs — take a look at the IPH Supreme or Elite plans for individuals to see what kind of benefits IPH can provide.

IPH can offer this cost-effective Group Scheme to groups of at least 5 people. IPH can tailor-make plans for groups of over 100 people.


Our IPH Group Health Insurance Schemes are purchased on an annual basis, with guaranteed renewal every year after your application has been approved.

These are compulsory groups, meaning all members of the company must be covered by the scheme. IPH can also cover members' spouses and children, if desired.

IPH's group health insurance schemes
must be 100% paid by the employer.

How is the IPH Group Health Insurance underwritten?
  • IPH group schemes are generally Fully Medically Underwritten (FMU)
  • Groups of 21 members and above, can be offered Continuing Personal Medical Exclusions (CPME) underwriting
  • For groups of over 100 members, IPH can be tailor-made.

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Email: crew@navigator-insurance.com
Call: +852 2530 2530
Fax: +852 2530 2535

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Address:
Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong