New productContent and figures can be updated from the dashboard before final publication.
A new product from Zaytouna Insurance

IPMI Horizon

International health cover, as far as the 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.

Competitive advantages

What sets Horizon apart

Practical advantages that give you more freedom in choosing treatment and care.

01

You do not pay upfront

With prior notice, Medmark arranges a guarantee of payment and settles directly with the hospital.

02

Three plans, three annual limits

PRIME, PLUS or PREMIUM — with an annual limit of one, two or three million dollars.

03

Treatment outside the network is still covered

Using a hospital outside the approved list does not by itself void an eligible claim — reimbursement follows reasonable and customary rates.

04

Major transplants covered

Kidney, heart, liver, lung and bone marrow, where the benefit applies and conditions are met.

05

Care before and after admission

Prescribed treatment for up to 30 days after discharge, when the benefit is included in your plan.

06

Optional add-ons

Maternity, dental and optical can be added against a separate premium.

07

test

test

Plans and limits

Choose a level, a limit and a region

Every plan has a coverage level and annual limit designed around your needs.

Annual limitLevel
$1,000,000PRIME · Entry level
$2,000,000PLUS · Higher cover
$3,000,000PREMIUM · Highest cover
90code · test
Geographic scope
What we cover

Coverage at a glance

Review the benefits to see what is included and what needs pre-authorisation.

BenefitWhat it includesStatus
Exclusions

Exclusions

The detailed policy terms and exclusions always apply.

Treatment that is not medically necessary, or is a matter of personal choice
Routine check-ups and screening
Cosmetic treatment and procedures
Vitamins, supplements and herbal products — even when prescribed in some cases
Bariatric surgery, including gastric band and gastric sleeve
Liposuction, tissue removal and orthodontics, per policy terms
High-risk activities: jumping, climbing, diving, high altitude and off-piste winter sports
Injuries from professional sport
Who it is for

Who it is for

Flexible solutions for individuals, companies, and those who need international care.

Aftersales services

Aftersales services

Clear steps for pre-authorisation and claims.

How to claim

  1. Attach the documents
    Medical report with the diagnosis, date symptoms began, referrals, test results, prescriptions, and original itemised stamped invoices.
  2. Submit within 90 days
    Claims are submitted within 90 days of the date of treatment, under the general rules of the membership guide.
  3. Keep the originals for 12 months
    Original claim documents are kept for audit purposes for 12 months from the date of submission.
  4. Reimbursement
    Paid by cheque or bank transfer. You provide account name, bank, account number, currency, SWIFT and IBAN.

How to get approval

  1. Planned admission: more than 48 hours ahead
    For planned inpatient or day-case treatment, pre-authorisation from Medmark is required more than 48 hours before admission.
  2. Emergency: within 24 hours of admission
    In an emergency you are admitted first — approval from Medmark TPA follows within 24 hours.
  3. Advanced imaging: always
    Pre-authorisation is mandatory for all advanced diagnostic imaging, with no exception.
  4. What to send with the request
    Medical report, date symptoms began, the treatment requested, provider details and estimated cost.

Services

  1. Complete a claim form
    A separate form for every claim or course of treatment. The medical section is completed, signed and stamped by your doctor.
Request a quote

Request a quote

Tell us who needs cover and the product team will get in touch.

How to reach us

Talk to someone about Horizon

Choose the contact method that suits you and your enquiry will reach the product team.

Product line — Libya
+218 ·· ··· ····
Number pending confirmation and linking to Medmark services.
Head office
Abdul Rahman Al-Nasser St., Andalus
Tripoli, Libya