A brokerage story, a specialised expertise

RAGAS INSURANCE is an independent brokerage firm, founded by Jérôme Ragas, established in Monaco and in France, with a clear ambition: to build a lasting relationship with its clients. The firm operates within EUROPA ASSURANCES S.A.M., a Monegasque insurance brokerage established in 1978 and led by Jérôme Ragas.

The firm supports UHNWI clients and companies day to day with one same standard: advice founded on listening, analysis and a thorough understanding of each situation. We rely on a panel of leading insurers to select guarantees suited to every need.

For more than thirty-five years, Jérôme Ragas has put his expertise of the French and Monégasque markets at the service of his clients and partners. That experience rests on a deep knowledge of risks and insurance solutions, as well as on lasting relationships of trust.

RAGAS HEALTH INSURANCE extends this approach into a field that demands specific expertise: international health.

Expatriation, international mobility, executives and families living across several countries are all situations that require a thorough knowledge of the specifics of international health.

Our IPMI expertise is carried by Laurent Charret, a specialist broker with more than twenty years of experience in international health, notably at APRIL International then MSH International. His career has taken him to Paris, Dubai, Shanghai, Bangkok and Calgary, in contact with very different markets and health issues.

Our role is not to offer you one insurance policy among others, but to advise you on the solution best suited to your situation. We compare the offers of several insurers and administrators specialised in international health, paying particular attention to guarantees, limits, areas of cover, waiting periods and exclusions.

Every file is followed personally by a contact who knows your situation, your policy and your international environment. We stay by your side when your situation changes: a move to another country, a family or professional development, a hospitalisation or a complex claim.

Choosing a good policy is not enough: it also has to work day to day. That is the role of our integrated administration centre, whose multilingual team handles your reimbursements, your hospitalisations and your direct billing arrangements anywhere in the world, with a target of reimbursement in less than 48 hours after receipt of a complete file.

Every insured member has a dedicated contact, directly reachable, in French, English, Italian or Spanish. Broking and administration work hand in hand: the same ecosystem advises you when you choose your policy and answers you the day you really need it.

Based at 45 rue Grimaldi, in the heart of Monaco, RAGAS INSURANCE draws on historic roots in the Principality and a presence in Nice, Nantes and Saint-Rémy-de-Provence as well.

These Monaco and French roots support the international vocation of RAGAS HEALTH INSURANCE: advising insured members whose life, family or business leads them to move between several countries.

Our ambition is simple: to bring every client the quality of advice, the discretion and the responsiveness expected from private support, applied to the specific challenges of international health.

We work with several reference insurers and administrators on the IPMI market. We don't name the contracts on this site: their selection is an advisory decision, made with you.

An international health insurance broker is an intermediary independent of insurance companies. Our mission is to analyse your situation and select, from available offers, the contract that fits — where a direct insurer only sells its own policies.

This independence changes everything. It lets us objectively compare guarantee levels, limits, coverage zones, waiting periods and exclusions. It also lets us renegotiate or switch contracts when your situation evolves.

Our method starts with a precise reading of your situation: country of residence and travel, family composition, specific needs (maternity, monitoring a condition, executive expatriation), budget. We then query several partner insurers and present the relevant options — with no sales pressure.

Our fee is paid by the chosen insurer. Your advice is free of charge. This mechanic is the same with every broker; what makes the difference is experience, contract knowledge and follow-up quality.

Beyond signing, we remain your single point of contact for the lifetime of the contract: annual adjustments, complex claims, decisions when changing country. The advice lasts as long as the coverage.