Insurance in Spain & Portugal Site

Gibraltar:200 44628

Other Numbers

From the UK: 0845 652 4239 (local rate)

From Ireland: 01 246 7677 (local rate)

All other countries: +34 956 695 752 (international rate)

Email: ibexdirect@ibexinsure.com

×

Comparison Chart

Standard Plans
Comprehensive Plans
    •  
    • Plan Name
    • Area of cover
    • usa cover
    • age limit for entry
    • currencies available
    • in-patient cover
    • overall annual limit
    • out-patient cover
    • prescribed drugs/dressings
    • dental
    • pregnancy
    • cover begins after...
    • underwriting terms
    • excess/deductible
    • AXA PPP
    • European (EHC) Level 3
    • Europe
    • No upper limit
    • €,£,$
    • (limited to £40,000)
    • £100,000
    • £2,500
    • £100
    • Immediate
    • Underwritten
    • £20 doctor consultations, in addition can take a voluntary excess up to £700
    • AXA PPP International
    • Standard
    • Worldwide excluding USA
    • Optional
    • No upper limit
    • €,£,$
    • £750,000
    • £320 (50%)
    • Immediate
    • Choice of Moratorium or underwritten
    • Zero to £2000
    • Morgan Price Health Insurance - Evolution Health
    • Standard
    • Europe/Worldwide excluding USA & Asia/Worldwide
    • Optional
    • 74
    • €,£,$
    • €/£/$500,000
    • Emergency only due to accident
    • (available on higher plan)
    • Waiting periods apply - 12m period for psychiatric, wellness, infertility benefit, 10m for maternity, 6m for dental.
    • Moratorium, fully medical underwritten or cpme
    • €£/$ 100 / 250 / 500 / 1,000 / 2,000
    • Morgan Price Health Insurance - Evolution Health
    • Standard Plus
    • Europe/ Worldwide excluding USA & Asia / Worldwide
    • Optional
    • 74
    • €,£,$
    • €/£/$ 750,000
    • limits apply
    • limits apply
    • Emergency only due to accident
    • Complications only
    • Waiting periods apply - 12m period for psychiatric, wellness, infertility benefit, 10m for maternity, 6m for dental
    • Moratorium, fully medical underwritten or cpme.
    • €£/$100 / 250 / 500 / 1,000 / 2,000
    • Morgan Price Health Insurance - Evolution Health
    • Comprehensive
    • Europe / Worldwide excluding USA & Asia / Worldwide
    • Optional
    • 74
    • €,£,$
    • €£/$ 1,000,000
    • limits apply
    • limits apply
    • limits apply
    • Complications only
    • Waiting periods apply - 12m period for psychiatric, wellness, infertility benefit, 10m for maternity, 6m for dental
    • Moratorium, fully medical underwritten or cpme
    • €/£/$ 100 / 250 / 500 / 1,000 / 2,000
    •  
    • Plan Name
    • Area of cover
    • usa cover
    • age limit for entry
    • currencies available
    • in-patient cover
    • overall annual limit
    • out-patient cover
    • prescribed drugs/dre
    • dental
    • pregnancy
    • cover begins after...
    • underwriting terms
    • excess/deductible
    • ALC Healthcare
    • Classic
    • Europe/Worldwide excl USA
    • Optional
    • No limit
    • €,£,$
    • £1,250,000
    • £10,000
    • Optional
    • Optional
    • Immediate
    • Moratorium
    • Zero to £2000
    • AXA PPP International
    • Comprehensive
    • Worldwide excluding USA
    • Optional
    • No upper limit
    • €,£,$
    • £1,500,000
    • £3,000
    • £200
    • £320 (50%)
    • (available on higher plan)
    • Immediate
    • Choice of Moratorium or underwritten
    • Zero to £2000
    • BUPA
    • Worldwide Health Options
    • Worldwide excl USA
    • Optional
    • No upper limit
    • €,£,$
    • £1,500,000
    • Optional
    • Optional
    • Optional
    • Optional
    • Immediate
    • Underwritten
    • Zero to £5000 hospital and £100 outpatient
    • Morgan Price Health Insurance - Evolution Health
    • Elite
    • Europe/Wordlwide excluding USA & Asia/Worldwide
    • Optional
    • 74
    • €,£,$
    • €/£/$ 2,000,000
    • limits apply
    • limits apply
    • limits apply
    • Waiting periods apply - 12m for psychiatric, wellness, infertility benefits, 10m for maternity, 6m for dental
    • Moratorium, fully medical underwritten or cpme
    • €£/$ 100 / 250 / 500 / 1,000 / 2,000
    • NOW Health
    • Advance
    • Worldwide excl USA
    • Optional
    • 79
    • €,£,$
    • £2,200,000
    • (available on a higher plan)
    • (available on a higher plan)
    • Immediate
    • Moratorium
    • Zero to £1,550

* €33,500 limited cover in the UK

Key points of the providers we work with

Who is it for?

ALC Health Insurance is for individuals, families and groups from across the world reflecting the lifestyle of today's expatriate and global citizen. 

At a glance

Established in 2001.
Head office is in the UK with European offices in Marbella (Spain) and Gibraltar.
Four different products on offer.
Plans on offer: Prima Concept, Prima Classic, Prima Premier and Prima Platinum.

Key Points

Choice of three areas of cover:  Europe, Worldwide excluding USA and Worldwide.
Choice of currencies:  sterling, euro, US dollar
Choice of excess levels.
Concept - low cost plan covering a limited amount of hospital and out-patients cover.
Classic - a comprehensive policy with generous limits for both hospital and outpatient costs.  Health checks are included after the first year.       
Premier - hospital cover with higher overall limits than Classic, with the option of adding on outpatient costs including health checks.
Platinum - top of the range policy with extremely high annual limits for hospital and out-patient treatment including health checks.

Evacuation and Repatriation can be added to all plans.
Pregnancy and Dental can be added to all plans except Concept.

 

Who is it for?

This cover is designed for people during their working life who need cover in Europe or Worldwide and the retired who wish to have a choice of hospitals and doctors in Europe as well as their own country.

At a glance

AXA PPP Healthcare was established in 1940 and has grown to become one of the largest health insurers in the UK.
AXA PPP International formed in 2009 reflecting their significant growth overseas.
Plans on offer:
International Health Plan (IHP) with 4 levels of cover
European Health Plan (EHP) with 3 levels of cover

Key Points

The International Health Plan
Two areas of cover: Worldwide and Worldwide Excluding USA
Choice of currencies:  sterling, euro and US dollar
Standard Plan – Hospital only cover
Comprehensive Plan – as it says this gives good overall comprehensive cover for hospital and out-patient, including GP, complementary treatment, vaccinations, drugs and dressings, optical and a limited amount of dental as well as cover for chronic conditions.
Prestige Plan – as Comprehensive but with higher limits and the addition of pregnancy, annual health checks and travel insurance.

European Health Plan

       

European cover
Three levels of cover
Basic plan with limited hospital cover on each level
€25 / £20 compulsory excess for doctor consultations
Choice of currencies: sterling and euro

Repatriation and Evacuation included on all AXA PPP plans
Choice of voluntary excess on all plans.

Who is it for?

Worldwide Health option plan is a flexible health insurance for groups or individuals and families which enables them to create a bespoke plan by adding extra options to the core cover.

At a glance

BUPA International (now called BUPA Global) is well established in and its name and has dominated the worldwide health insurance market over the years.
Their Worldwide Core plan is a modular plan that allows you to mix and match  optional covers to suit your needs.
Area of cover is worldwide including or excluding the USA.

Key Points

Worldwide Medical Insurance – hospital cover with a high annual limit and includes all surgery, cancer treatment and advanced imaging.  It includes hospital charges for maternity.
Choice of excess levels.

Then you can add-on:
Worldwide Medical Plus – outpatient doctor and specialist consultations including complementary therapies.
Worldwide Medicines and Equipment – prescription medicines and rental of medical appliances.
Worldwide Wellbeing – health screenings, vaccinations, dental and optical treatment
Worldwide Evacuation and Repatriation

Pre-existing conditions will be considered for outside of USA.
Choice of currencies:   sterling, euro and US dollar.

Who is it for?

Morgan Price Health Insurance - Evolution Health is for all types of expatriates whether individuals, families, groups or even large corporations. Offering a wide variety and range of products to suit all individual needs and requirements.

At a glance

Established in 1999. 
Head office is in the UK with Worldwide offices in Dubai and Hong Kong.  
Underwritten by ASTRENSKA INSURANCE LIMITED.

Key Points

Standard - In-patient only plan except for cancer when out-patient is included. Good coverer for hospital admissions. 
Standard Plus - Competitively priced plan offering good levels of cover for in-patient with limited out-patient coverage.  
Comprehensive - Excellent mid-range plan offering good levels of cover for both in and out-patients, including dental.
Premium - Superior plan offering maternity, dental, optical and hearing test plus in-patient and enhanced out-patient coverage.  
Elite - Top of the range plan offering greater levels of cover many on full refund including enhanced maternity cover.
           

Who is it for?

Now Health is a specialist international health insurance provider for individuals and families living abroad.

At a glance

Relatively new health insurer.
Four different products to choose from:  Essential, Advance, Excel and Apex
Two different areas of cover: Worldwide and Worldwide excluding USA
Underwritten By AXA PPP

Key Points

All plans have a high annual overall limit
Essential Plan – lowest cost plan covering hospital and day-patient care.
Advance Plan – Cover for hospital and out-patient care including GP and specialist consultation, physiotherapy and alternative therapies.
Excel Plan Similar to Advance but at higher benefit levels than Advance, including routine and complex dental after a 9 month waiting period.
WorldCare Apex top of the range plan with very high benefit limits and including maternity after a 10 month waiting period.

Online plan management for fast processing of claims.