When your health, and your lifestyle, demands the best, standard insurance policies simply cannot keep pace. International Private Medical Insurance (iPMI) for high-net-worth individuals goes far beyond conventional health cover, offering truly global protection, unrestricted access to the world's finest medical facilities, and a level of personalised service that matches your expectations.
At Op de Beeck & Worth, we advise high-net-worth individuals and families living in or relocating to Spain on health insurance solutions that reflect the complexity of their lives. With over 40 years of experience serving international and expatriate clients, we understand that your healthcare requirements don't stop at borders, and neither should your cover.
Is This Cover Right for You?
Our international PMI solutions are designed for:
- High-net-worth individuals and families residing in Spain, Europe or the rest of the world, with ties to other countries
- Internationally mobile professionals, entrepreneurs, and retirees who travel frequently
- Clients seeking unrestricted access to top specialists and private hospitals worldwide
- Those with complex medical histories who require bespoke underwriting
- Individuals managing multiple residences across Europe, the UK, or beyond
- Clients who expect a private banking standard of service, not a call centre
If you want to choose your own consultant, access the best hospital for your condition, anywhere in the world, and have a single dedicated advisor managing your health cover with complete discretion, this is the product for you.
Why HNW Health Insurance Requires a Different Approach
What Does International PMI for HNW Clients Cover?
Core Coverage
- Inpatient and day-patient treatment at private hospitals worldwide
- Direct access to specialists, no GP referral required
- Cancer care: diagnostics, treatment, surgery, and follow-up
- Surgery, anaesthesia, and hospital accommodation
- Intensive care and high-dependency units
- Mental health: inpatient and outpatient psychiatric and psychological care
- Organ transplant and post-operative rehabilitation
Outpatient & Preventive Care
- Specialist consultations and diagnostic tests
- Preventive health screenings and executive health checks
- Physiotherapy, osteopathy, and complementary therapies
- Prescribed medications
- Routine GP visits and chronic disease management
Global Mobility & Emergency Cover
- Emergency medical evacuation to the most appropriate facility worldwide
- Repatriation to your home country if medically necessary
- Cover in multiple countries of residence, not just Spain
- Cover during travel, including extended stays abroad
- Crisis response and security evacuation in high-risk destinations
Optional Enhancements
- Dental and vision care at premium private clinics
- Maternity cover, including private birth at leading hospitals
- USA and Canada coverage for clients with North American ties
- Second medical opinion from world-leading specialists
Common Mistakes When Insuring HNW Health Risks
Why Standard Health Insurance Is Not Enough
The difference between a standard private health plan and a true HNW international policy is not just a matter of price, it is a fundamentally different product.
Standard health insurance in Spain, even from well-known providers, is designed for the general market. It comes with network restrictions, referral requirements, annual caps, and call-centre claims handling. For a client with your profile, these limitations are not just inconvenient, they can affect the quality and speed of care you receive.
Feature | Standard Private Health Insurance | International PMI for HNW Clients |
|---|---|---|
Annual benefit limit | Fixed, often capped | Unlimited or very high limits |
Hospital choice | Network-restricted | Free choice of hospital worldwide |
Specialist access | GP referral required | Direct access, no waiting lists |
Geographical cover | Spain only or basic EU | Worldwide, including USA |
Pre-existing conditions | Often excluded | Reviewed and often covered |
Multi-country residence | Not supported | Fully portable across countries |
Claims handling | Call centre | Dedicated multilingual case manager |
Medical evacuation | Emergency only | Full evacuation & repatriation |
Preventive care | Limited | Comprehensive wellness & screening |
Why Work with Op de Beeck & Worth
Op de Beeck & Worth is not a comparison website or a generalist broker. We are a specialist firm with over 40 years of experience advising international and high-net-worth clients in Spain, and we apply that expertise to every health insurance recommendation we make.
Our clients choose us because we offer:
- Personalised advice from a dedicated advisor who knows your profile
- Access to leading international health insurers, including One Health International, BUPA, Axa Global and Cigna Global
- Multilingual support in English, Spanish, German, Dutch, French and Italian
- Expert negotiation of pre-existing condition terms on your behalf
- In-house claims handling, we manage the process, so you don't have to
- Full discretion and confidentiality at every stage
Whether you are relocating to Spain, reviewing an existing policy, or seeking cover that truly matches an international lifestyle, we will build a solution around your specific needs, not a standard product off the shelf.
Real-Life Examples
Frequently Asked Questions
International PMI is a comprehensive health insurance product designed for people who live in, travel between, or divide their time across multiple countries. Unlike local health insurance, it provides global coverage with no geographical restrictions, free choice of hospital and specialist, and very high or unlimited annual benefit limits.
Standard plans from Spanish providers cover treatment within Spain's private network. International PMI covers you worldwide, gives you direct access to any specialist or hospital, and offers levels of cover, including cancer, mental health, and medical evacuation, that standard plans simply do not match.
Yes. International PMI is fully portable and can be structured to cover treatment in both countries under a single policy. This is one of its key advantages for clients with ties to the UK post-Brexit.
We work with specialist underwriters who assess each case individually. In many instances, pre-existing conditions that standard insurers exclude can be covered, often with full terms, or with a defined loading or exclusion limited to that specific condition.
USA coverage is available as an option. Given the cost of healthcare in North America, this is a significant consideration for clients who travel there regularly or have family connections.
Yes. Full emergency medical evacuation and repatriation is a standard feature of international PMI, not an add-on. This includes evacuation to the most appropriate medical facility, not simply the nearest one.
Premiums vary based on age, health history, geographical coverage, and the level of benefits selected. As a guide, a comprehensive worldwide plan for a healthy individual in their 50s typically starts from €5,000 per year. We will provide you with a precise and personalised quote following our initial consultation.
You contact your dedicated advisor at Op de Beeck & Worth. We manage the entire process, pre-authorisation, hospital liaison, documentation, and settlement. You will not be directed to a call centre or left to handle the insurer alone.
Support for Family Offices and Private Client Advisors
We work closely with family offices, private banks, legal representatives, and independent financial advisors who manage or advise on behalf of high-net-worth individuals. Our team provides expert policy reviews, consolidated reporting, and bespoke documentation tailored to professional intermediaries.
If you advise clients who could benefit from specialist health cover in Spain or internationally, we welcome the opportunity to discuss how we can support your work.
Ready to Discuss Your International Health Cover?
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