A Monaco heritage since 1978
Your health insurance worldwide
RAGAS HEALTH INSURANCE is the international health insurance brand of RAGAS INSURANCE, a brokerage firm founded by Jérôme Ragas and carried by EUROPA ASSURANCES S.A.M., a Monegasque insurance brokerage established in 1978 and led by Jérôme Ragas. We compare the international health policies of the leading insurers to build the cover suited to your needs wherever you are: hospitalisation, everyday medicine, maternity, dental and optical, assistance and repatriation. With premium day-to-day management: fast reimbursements, direct billing with no out-of-pocket advance, a dedicated contact available in your own language.
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The Ragas Health Insurance advantage
Beyond a policy: your private health adviser.
As an independent broker, we do not defend any insurer's interests — only yours. We compare the IPMI contracts on the market and select the one that fits your situation, country of residence, family and needs.
- Multi-insurer comparison
- We query several risk carriers for every case — never a single imposed product.
- A family-office approach
- We provide personalised advice and long-term follow-up, with the availability, discretion and attention expected of a family office.
- Specialized advisors
- Dedicated advisors, directly reachable by phone or WhatsApp, who follow your file over time and during claims, in your language.
- Advice at no cost
- Our fee is paid by the chosen insurer. Your advice carries no fees.
- An international network
- A network of trained brokers to support you in more than 40 countries.
Day-to-day management
The right policy. Health management that keeps pace with you.
Choosing your insurance is important. Living it day-to-day is even more so. Every day, we help insured members in Monaco, France and internationally use their health coverage without stress. Fast reimbursements, zero out-of-pocket when possible, multilingual answers and intuitive digital tools: our mission is to support you at every step, from enrolment to the handling of your care.
- Fast reimbursements
- Your healthcare costs are our priority, with an average reimbursement target of under 48 hours after we receive your complete file.
- Zero out-of-pocket payment
- Hospital stays and scheduled care are settled directly with partner facilities, so you don't have to pay in advance.
- A team at your disposal
- WhatsApp, phone or email: you speak to real case managers, in French, English, Italian or Spanish.
- Expertise that goes beyond health
- RAGAS INSURANCE brings together complementary expertise in international health, private clients, protection, wealth and property and business insurance. You therefore benefit from a comprehensive view of your insurance needs, with a single point of contact.
- Borderless coverage
- Your care can be managed in multiple currencies, with support designed for mobile and international members.
- Long-term support
- Your file is followed over time so your coverage stays aligned with your life and plans.
No out-of-pocket payment
No out-of-pocket payment
You focus on care. We handle the bill.
For scheduled care and hospital stays, we can provide a dedicated payment method that settles the provider directly, anywhere in the world. You advance nothing and wait for no reimbursement. You present your authorisation, your care is paid for, you focus on what matters.
- 01
You arrange your care
Consultation, examination or scheduled hospitalisation.
- 02
Payment is taken care of
Eligible costs are settled directly with the provider.
- 03
You share the paperwork
A few documents through your portal, and everything is in order.
Service available after review of your file and subject to conditions.
Including in the United States
Care in the US, without the bill that follows.
American healthcare is among the most expensive in the world, and the upfront cost can be considerable. Through a local partner, your care can be settled directly on the spot, with nothing to advance.
In confidence
- Under 48 hrs
- Average claim processing time
- 4 languages
- French, English, Italian, Spanish
- Worldwide reach
- Insured clients supported across every continent
Our firm
RAGAS HEALTH INSURANCE: expertise in international health cover
RAGAS HEALTH INSURANCE supports individuals, families and executives in building and managing their international health cover. An approach founded on independence, expertise and personalised support, continuing the history of RAGAS INSURANCE.
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