International Private Medical Insurance (IPMI) provides enhanced healthcare coverage for employees and families, both at home and across borders.
It can support expatriates and internationally mobile employees, as well as senior executives, key talent and local employee groups.
A well-designed IPMI programme can support the attraction and retention of key talent while strengthening risk management, governance and the delivery of an employer’s duty-of-care responsibilities.
What is shaping international and enhanced healthcare benefits?
Findings from WTW’s 2026 International Mobile Employee Benefits (IME) Survey highlight evolving priorities in international health and risks benefits, with considerations that may also be relevant to organizations reviewing enhanced healthcare solutions for their wider workforce. WTW combines market insight, specialist expertise and local knowledge to help organization develop tailored IPMI programs that support their people, manage risk and deliver sustainable value.
Case study – Transforming IPMI for an international school group in Asia
The challenge
A UK-based international school group more than 10 campuses across China, Hong Kong, Thailand and Japan was preparing to expand into bilingual education. Its established IPMI program for expatriate teachers faced several challenges:
- Premium increases of more than 40% year on year
- Limited visibility into healthcare utilization and cost drivers
- A need for scalable, cost-effective benefits supporting a diverse workforce
Our solution
WTW worked with the organization to:
- Review benefits across eight schools
- Apply WTW’S Navigator Model to build a three-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
The redesigned program delivered 15% premium savings and a two-year rate guarantee. It also consolidated providers to strengthen commercial leverage and established a more consistent approach to benefits administration and member services across the region.
Contact us
How we can help
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 proprietary research, benchmarking and analytics help organizations understand market practices, identify potential programme gaps and make informed decisions.
- A broader approach to international health: We help organizations consider international health coverage as part of a wider approach to talent, governance, risk management and duty of care.
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.
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 support includes:
End-to-end guidance for developing, implementing, and governing expatriate and business travel benefit strategies, including benchmarking, gap analysis, and tailored solutions.
Navigating regulatory requirements, ensuring programs meet market standards, and providing compliance assurance for admitted/non-admitted requirements and local regulations.
Addressing duty of care, evacuation, assistance, and other unique challenges of expatriate assignments, with proactive risk management and ongoing program oversight.
Optimizing plan design, conducting market reviews, cost modeling, and leveraging relationships with leading vendors to secure competitive pricing and robust solutions.
Beyond medical care: wider support for globally mobile employees
Managing international assignments involves more than healthcare coverage. Employers also face broader duty‑of‑care and security considerations for employees working overseas.
To ensure our clients are looking at their program in a truly holistic manner, WTW has Alert:24 — our in‑house security and crisis support capability — to complement medical cover with wider risk and wellbeing support.
Alert:24 support includes:
- 24/7 crisis response and guidance when employees are impacted by serious incidents
- Monitoring of travel, security and geopolitical risks affecting international assignments
- Integrated support beyond medical emergencies, working alongside insurers and assistance providers
Together, our IPMI team and Alert:24 help organizations strengthen duty of care, protect employee wellbeing and support business continuity across global assignments.
To learn more about our wider support and related services for internationally mobile employees, please complete the enquiry form and our team will be in touch.
You may also visit the Alert:24 service page for further information.
Our team
Our regional IPMI team works closely with local experts across Asia Pacific, combining regional coordination, local market knowledge and data-driven insights. Together, we help organizations develop competitive, compliant and cost-effective solutions tailored to their workforce needs.
3k+ programs
3k+ programs under management globally
Centralized coordination
Regional center of excellence
Data driven insights
- Biennial IME Benefits Design Survey
- Annual vendor RFI
- Compliance updates and trends
Subject matter experts
65+ COE staff focused on expatriate benefits consulting and plan management
Preferred portfolio terms
Preferred portfolio terms with market-leading vendors
Compliant solutions
Managing regulatory impacts on global plans in an evolving world
Consulting and brokerage
Expatriate health and risk, high-end medical, business travel benefit programs
Delivery and support
Delivery and support of competitive and cost-effective benefit solutions for internationally mobile employees and their families
Contacts
