If you are comparing annual premiums from international healthcare providers, you are likely to be pleasantly surprised with our HCI Group policies.

We offer very similar health cover to all major health insurers, but often our annual premiums are significantly lower.

Haw can we offer the same, excellent private healthcare using the same private hospital networks for a cheaper price?


Lower overhead costs
We may be small but we are mighty! We are a Small/Medium Enterprise (SME) with a passionate and dedicated team of employees. We have low administrative expenses and a skilled in-house team. These reduced overhead costs allow us to offer more competitive premiums to our customers.


Niche expat and seafarer focus
We specialise in international private medical insurance for those living abroad or at sea. Many providers do not specialise like we do so by focusing our efforts on a niche market we developed our expertise and tailored our insurance products accordingly, reducing premiums in the process.


Simple organisational structure
Larger agents often have complex organisational structures with multiple layers of management and bureaucracy. This can lead to higher administrative costs, which may be passed on to customers in the form of higher premiums. In contrast, we strive to keep our structure simple enabling streamlined operations and keeping premiums down.


Personalised service
We prioritise providing a personalised service to our customers. We focus on building strong relationships, understanding individual needs, and offering tailored coverage options. Nothing is more adaptable than our NIMBL Health plan, which is tailored to the specific needs of each policyholder. This customer-centric approach may result in lower premiums as we can better match the insurance cover to the specific needs of each customer.


Flexibility and agility
We have a great relationship with our insurance carrier MGEN. We can respond quickly to market changes, adjust our underwriting criteria, and negotiate quickly and efficiently. This flexibility enables us to find cost-effective solutions and pass these savings on to our customers in the form of lower premiums.


Reduced marketing and advertising expenses
Instead of allocating significant resource to marketing and advertising, we rely on our excellent reputation, our partnership with A Place in the Sun, word-of-mouth referrals and our skilled in-house team. These savings are another contributing factor to our premiums being so reasonable.


It’s important to note that all of the above factors can influence premium rates, but the actual premiums charged by an insurance agency will depend on the area of cover and the age and medical history of each policyholder.