Independent consultancy · International health & travel
International health insurancefor people who don't live in one country.
Cogotec compares international insurers, designs the right cover, and supports it through renewals and claims — for individuals, employers, NGOs, and global workforces.
20+ years' experience · 6,000+ policies supported · Programmes involving 140 countries
What you can buy here
International private medical. Group medical. Travel. Evacuation. Built as one programme when it has to be.
Cogotec is an international insurance consultancy, registered in Hong Kong, team in Bangkok. You pay the insurer. You talk to us.
IPMI
Group
Travel
Evacuation
You & your family
A plan that moves with you
International private medical insurance for expats and families. Live rates, a clear comparison, and someone who answers when you are in a hospital that is not in your home country.
Who we help →Your company
A group programme HR can actually run
Multi-tier benefits, joiners and leavers, renewals that start with why the premium moved. Not a spreadsheet quote from one insurer.
Who we help →A hard programme
NGO, PEO, school, MGA
Hardship postings, contractors who are not employees, schools stuck in a premium spiral. The work most firms skip because it is not quick.
Who we help →
How it works
You benefit from the technology. You interact with a person.
A website can list prices. We design the programme, place it across the panel, and stay on the claim — because international cover fails at the hospital, not at the quote.
01
Any channel
You tell us what you need
Call, email, or WhatsApp — individual, group, or programme brief.
02
Instant
We assess and compare live
Real-time rates and policy terms across our insurer network.
03
Same day
Clear recommendation
A structured comparison with genuine advice on fit — not just a quote sheet.
04
Ongoing
We manage everything ongoing
Renewals, member changes, claims support, and programme reviews.
Not an insurer
We do not sell one product. We compare the panel and place the programme that fits — Cigna, Allianz, IMG, IPH, Expatriate Group and others.
Not a comparison site
A website can list prices. It cannot design a PEO benefit, argue a claim, or sit with a school on why utilisation is high.
Not office hours only
Nomi answers the policy at 2am on WhatsApp. The Bangkok team designs the structure and stays on the claim.
What it is
International health insurance is private medical cover for people who do not live in one country.
A local plan — Thai social security, a French mutuelle, a UK GP list — stops at the border. IPMI is built for mobility. You see a doctor in the country you are in, not the one you left. That is what Cogotec places.
Inpatient
Hospital, surgery, specialists. The bill that ends a local plan.
Outpatient
GP, diagnostics, follow-up — in the country you are in, not the one you left.
Emergency & evacuation
Accident, sudden illness, get you to the right hospital. Medical and non-medical when the posting requires it.
Designed in, not bolted on
Dental, maternity, wellness, security cover — when they belong in the programme, not as an afterthought.
12 months or more
You're relocating
International private medical insurance. Area of cover, deductible, and a plan that renews with you.
An assignment
You're sending people
Group or project medical, joiners and leavers, hardship where a standard scheme does not apply.
A trip
You're visiting
Travel medical — not a local mutuelle, not a domestic GP list. Short stay, real hospitals.
Where cover has to work
Programmes across 140 countries. Partners on the ground in the cities on the map.
- London
- Nairobi
- Johannesburg
- Bangkok
- Shanghai
- Beirut
- Mexico City
- + 133 more
Questions people actually ask
Before you talk to an insurer.
- What is international health insurance?
- Private medical cover for people living or working outside the country on their passport. Unlike a local plan tied to one system, it is built for mobility — hospital, specialists, emergency and often evacuation — in more than one country.
- Is Cogotec an insurer?
- No. Cogotec is an international insurance consultancy. You pay the insurer. We compare Cigna Global, Allianz Care, IMG, IPH, Expatriate Group and others, design the programme, and stay on the claim.
- How is this different from a comparison site?
- A comparison site lists prices. It does not design a PEO benefit, argue a declined claim, or sit with a school on why utilisation is high. Cogotec designs the programme and services it.
- Can I get a quote without a login?
- Yes. WhatsApp, email, or the contact page. Nomi answers policy questions 24/7. The Bangkok team comes back with a structured comparison — usually within the hour.
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