Powered by Nomi · 20+ insurers

Every insurer in the Gulf and Europe, compared in one conversation.

IPMIEMEA is a free comparison site for international health insurance across the Gulf and Europe, from the UAE and Saudi Arabia to Spain, Portugal, Germany and the UK. Nomi, our AI assistant, quotes 20+ insurers live, ranks them on real price and explains the cover in plain English.

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★ Best price
Budget
IMG Global · GPMI
$1,208 /yr
Worldwide excl. USA
Limit: $2,000,000
Inpatient✓ Included
Outpatient✓ Included
Dental & Optical✗ Not included
Maternity✗ Not included
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Standard
Cigna Global · Silver
$1,612 /yr
Worldwide excl. USA
Limit: $1,500,000
Inpatient✓ Included
Outpatient✓ Included
Dental & Optical✓ Included
Maternity✗ Not included
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Premium
Allianz Care · Care Plan
$1,890 /yr
Worldwide excl. USA
Limit: Unlimited
Inpatient✓ Included
Outpatient✓ Included
Dental & Optical✓ Included
Maternity✓ Included
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Comparing the market from + 20 more insurers
What you walk away with

Better cover, for less — without the hassle.

$9k+

You stop overpaying

The same cover can cost $1,208 or over $10,000. Nomi puts you at the low end — not the high end one broker happens to sell.

~60s

You decide in minutes

No forms, no five browser tabs, no phone tag. One short conversation and the whole market is ranked in front of you.

355,000

You miss nothing

Nomi compares 355,000 plan variations across 20+ insurers — every tier, excess and area — in seconds. No human could.

Meet Nomi

Not a quote form. An expert you talk to.

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Quotes the whole market

20+ insurers, live, ranked.

Compares side by side

"Compare Cigna and Allianz."

Recommends for you

Picks the best fit, explains why.

Lowers your price

Adjust the excess, go regional.

Sends it to you

Email or WhatsApp, instantly.

Hands you to a broker

Book a call with an experienced adviser.

See your number in under a minute.

Free, no obligation — just tell Nomi where you live.

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What our clients say

People behind the comparisons, there when it matters.

IPMIEMEA is run by Cogotec, the broker founded by Mo. These are clients in their own words.

I have been a client for four years. Mo has been super helpful, first in choosing the right plan, then in helping me with claims, and most importantly in being there when I need him.

Greg V.Client for four years

We were at the hospital with my son after an accident and the hospital was insisting that we pay first. We messaged Mo at 7pm on a Saturday and he made sure the insurer and the hospital were communicating, so we did not have to pay first.

Rachel P.Family client

I met Mo several years ago and my family and my business have been clients ever since. There have been issues, mainly with the insurer, but Mo has always been there to solve them.

Riaz P.Family and business client

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Questions, answered

What is IPMIEMEA?
IPMIEMEA is a free comparison site for international private medical insurance for people living in Europe, the Middle East and Africa, with a focus on the Gulf and Europe. Nomi, our AI assistant, quotes 20+ insurers live, ranks every plan on real price and explains the cover in plain English.
Which countries do you cover?
We quote cover for most countries of residence across the region, and we publish detailed country pages for the UAE, Saudi Arabia, Qatar, Bahrain, Spain, Portugal, Germany and the UK. Tell Nomi where you live and it will quote for that country.
I already have employer health insurance in the Gulf. Do I need this?
Not by law, if the employer policy meets the local requirement. Expats add an international plan when the employer policy has a restricted network, low limits, no cover outside the country, no cover for the family, or ends with the job. Nomi asks what you already hold and quotes for the gap.
Should I choose Europe-only or worldwide cover?
Europe-only is the cheapest and suits people who live and travel within Europe. Worldwide excluding the USA suits people who travel further, have family elsewhere or may move, including between Europe and the Gulf. Full worldwide cover is only worth paying for if you need treatment in the USA. Nomi shows each option side by side.
Can I get cover with a pre-existing condition?
Usually, yes. The insurer decides how to treat the condition: accepted, excluded or covered at a higher premium under full medical underwriting, or excluded for a period under a moratorium. Nomi asks about your history before it quotes, and the insurer confirms the final terms at underwriting.
Is it free to use?
Yes. Comparing and quoting is free and there is no obligation. We are paid a commission by the insurer only if you take out a policy, and the premium you pay is the same as going direct.
Is my data safe?
Yes. We collect only what is needed to quote, we never sell your data, and you deal with an experienced broker. See our Privacy Policy for the detail.
Can I speak to a real person?
Yes, whenever you want. Nomi hands you to an experienced broker who can answer questions, confirm the details with the insurer and arrange the cover. You can also contact us directly from any page.
Are the prices guaranteed?
Quotes are indicative and based on what you tell Nomi. The final premium and your acceptance are confirmed by the insurer at underwriting, and can change with your medical history and the options you choose.