International Private Medical Insurance

International Private Medical Insurance (IPMI) solutions are designed to address the unique needs of globally mobile employees, ensuring access to quality healthcare, compliance with local regulations, and support for wellbeing and security — wherever work takes them.

Navigating the complexities of international assignments requires much more than standard health coverage. Organizations today face a dynamic landscape of regulatory requirements, diverse healthcare systems, and evolving employee expectations. IPMI solutions are purpose-built to address these challenges — providing globally mobile employees and their families with seamless access to quality healthcare, robust risk management, and compliance support wherever their assignments take them.

By leveraging IPMI, organizations can confidently manage the risks and responsibilities of a global workforce, ensuring both business continuity and employee wellbeing across borders.

Why WTW?

Selecting a partner for international private medical insurance is a strategic decision that impacts your globally mobile workforce’s health, wellbeing, and compliance. WTW is trusted by global organizations for our expertise, innovative approach, and ability to deliver solutions that work across borders.

• Dedicated centers of excellence: We advise multinational organizations on strategy, execution, and oversight of health and risk plans for globally mobile employees through dedicated Centers of Excellence.
• Specialized expertise and innovative solutions: Our team brings forward-thinking strategies and creative approaches to complex challenges.
• Global reach, local knowledge: We combine worldwide resources with deep local market insights.
• Data-driven insights and research: Our analytics inform decisions and optimize outcomes.
• Forward-thinking strategies: We anticipate future trends to keep your programs competitive and compliant.

Case study – Transforming IPMI for a leading international school group in Asia

The challenge

A prestigious U.K.-based international school group with 10+ campuses across China, Hong Kong, Thailand, and Japan, which had a decade-long IPMI program for expat teachers, was planning a rapid expansion into bilingual education. The group faced:

• Unsustainable premium hikes — over 40% year-on-year
• Limited visibility into medical utilization and cost drivers
• A growing need for scalable, cost-effective, and wellbeing-focused benefits for a diverse workforce

Our solution

We partnered with the client to:

• Conduct a comprehensive benefits review across 8 schools
• Apply WTW’s Navigator Model to build a 3-year strategic benefits roadmap
• Redesign health plans for new schools—balancing cost, coverage, and employee wellbeing
• Optimize provider management and streamline renewal processes
• Enhance access to quality care while controlling medical expenses

The impact

As a result of the sustainable high-end medical plan for both expat and local staff that we introduced, the school achieved a 15% premium savings with a 2-year rate guarantee. They consolidated providers for stronger commercial leverage and standardized benefits administration and member services across the region.

How we support you: our approach to IPMI

WTW partners with organizations to deliver flexible, comprehensive, and tailored IPMI solutions for globally mobile employees. Our approach combines strategic guidance with hands-on support to help you confidently manage the risks and responsibilities of a global workforce.

Our support includes:

• Strategic plan design and advisory: End-to-end guidance for developing, implementing, and governing expatriate and business travel benefit strategies, including benchmarking, gap analysis, and tailored solutions.
• Compliance and benchmarking: Navigating regulatory requirements, ensuring programs meet market standards, and providing compliance assurance for admitted/non-admitted requirements and local regulations.
• Risk mitigation: Addressing duty of care, evacuation, assistance, and other unique challenges of expatriate assignments, with proactive risk management and ongoing program oversight.
• Cost management and market leverage: Optimizing plan design, conducting market reviews, cost modeling, and leveraging relationships with leading vendors to secure competitive pricing and robust solutions.
• Ongoing program management: Vendor management, renewal and eligibility audits, and continuous improvement to keep your programs competitive, compliant, and responsive.

WTW’s dedicated team combines deep regional expertise, centralized coordination, and data-driven insights to deliver effective solutions at every stage of your international benefits journey.

Our team

Our team combines deep regional expertise, centralized coordination, and data-driven insights to deliver effective solutions for internationally mobile employees. With extensive experience managing complex benefit programs, we work closely with leading vendors and subject matter experts to ensure your organization receives competitive, compliant, and cost-effective support throughout every stage of your international benefits journey.