IPMI Horizon
Health cover of up to three million dollars a year, across North Africa or worldwide excluding the USA. Three plans, direct settlement with hospitals through Medmark, and treatment you do not pay for upfront.
Health cover of up to three million dollars a year, across North Africa or worldwide excluding the USA. Three plans, direct settlement with hospitals through Medmark, and treatment you do not pay for upfront.
Practical advantages that give you more freedom in choosing treatment and care.
With prior notice, Medmark arranges a guarantee of payment and settles directly with the hospital.
PRIME, PLUS or PREMIUM — with an annual limit of one, two or three million dollars.
Using a hospital outside the approved list does not by itself void an eligible claim — reimbursement follows reasonable and customary rates.
Kidney, heart, liver, lung and bone marrow, where the benefit applies and conditions are met.
Prescribed treatment for up to 30 days after discharge, when the benefit is included in your plan.
Maternity, dental and optical can be added against a separate premium.
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Every plan has a coverage level and annual limit designed around your needs.
| Annual limit | Level |
|---|---|
| $1,000,000 | PRIME · Entry level |
| $2,000,000 | PLUS · Higher cover |
| $3,000,000 | PREMIUM · Highest cover |
| 90 | code · test |
Review the benefits to see what is included and what needs pre-authorisation.
| Benefit | What it includes | Status |
|---|---|---|
| Inpatient treatment | Room and board, intensive care, surgeon, anaesthetist and physician fees, operating theatre, diagnostics and medication during admission. | Core |
What it includesCovers medically necessary in-hospital treatment when the condition is included in the policy, along with other eligible medical expenses. Pre-authorisationPre-authorisation required | ||
| Pre and post hospitalisation | Prescribed tests and preparation before an eligible admission, and prescribed treatment for up to 30 days after discharge. | Plan dependent |
What it includesIncludes treatment, tests and medical preparation directly linked to eligible treatment and follow-up where included in the plan. Pre-authorisationPre-authorisation required | ||
| Outpatient treatment | Consultations with doctors and specialists, laboratory tests, imaging, medication and physiotherapy. | Plan dependent |
What it includesScope varies by plan and benefit table and may include visits, tests, medication and listed services. Pre-authorisationPre-authorisation required | ||
| Major transplants | Kidney, heart, liver, lung and bone marrow, where the insured is the recipient. | Conditions apply |
What it includesWhere the benefit exists and conditions are met, the policy covers the necessary medical transplant costs. Pre-authorisationPre-authorisation required | ||
| Advanced diagnostic imaging | Covered — but pre-authorisation is mandatory for every scan without exception. | Pre-auth required |
What it includesPre-authorisation is mandatory for all advanced diagnostic imaging. Pre-authorisationPre-authorisation required | ||
| Chronic conditions | Covered with an updated medical report submitted once every 12 months. | Plan dependent |
What it includesAdditional documentation requirements apply depending on treatment and plan. | ||
| Maternity | Available as an optional benefit against a separate premium. | Optional |
What it includesIts scope and limits are set by the plan benefit table. Pre-authorisationPre-authorisation required | ||
| Dental and optical | Optional. Optical includes an eye test once per membership year. | Optional |
What it includesThese benefits are added according to the plan and premium; check the benefit table before costly treatment. | ||
The detailed policy terms and exclusions always apply.
Flexible solutions for individuals, companies, and those who need international care.
Clear steps for pre-authorisation and claims.
Tell us who needs cover and the product team will get in touch.
Choose the contact method that suits you and your enquiry will reach the product team.

