IPH Insurance

What IPH Insurance does

IPH Insurance is a UK-based, privately held insurance intermediary and Lloyd's of London Coverholder that distributes insurance products through a global broker network spanning 60+ countries. Founded by Dr. Peter Wong-Morrow and headquartered in Borehamwood, Hertfordshire, the company is dual-regulated by the Financial Conduct Authority (FCA registrations 307733 and 306156) and operates through two legal entities: International Private Healthcare Limited (parent) and IPH Insurance Services (UK) Limited (operating subsidiary). The company is privately held, self-funded, and carries 51-100 employees.

The product portfolio splits across two business lines: international healthcare insurance — including the Emerald Plan (Core, Advance, Deluxe tiers), Personal Security Plan, and Group Scheme — and UK general insurance — including small business, commercial property owners, home (buildings up to £600,000 and contents up to £50,000 as standard), and residential property let (buy-to-let landlord) coverage. Every policy is backed by Lloyd's of London underwriters, providing A+ rated security. Out-patient claims administration is outsourced to a dedicated partner, International Claims Management Services (ICMS).

Revenue is generated on a commission-based intermediation model, with healthcare plans priced by subscription (e.g., Emerald Plan from $56/66 per month) and UK commercial and property lines offered with a Price Match guarantee against competing UK-authorised quotations. Go-to-market combines a channel-led broker network (Asia focus) with direct sales via telephone and email, self-service online quote forms, and a multi-lingual team speaking 10+ languages including dedicated Cantonese and Mandarin recruitment. Customer segments range from individual expats and local nationals (ex-USA and Canada) to UK SMEs, buy-to-let landlords, and enterprise clients including global banks, media networks, and insurance companies.

Name

IPH Insurance

Legal name

International Private Healthcare Limited

Website

https://iphinsurance.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Short description

IPH Insurance is a UK-based, FCA-regulated Lloyd's of London Coverholder distributing international healthcare and UK general insurance through a global broker network spanning 60+ countries. It serves expats, local nationals, UK SMEs, landlords, and corporate group clients.

Ownership category

akta.pro rank

Product category

Insurance Intermediation

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• International health insurance
• Commercial property insurance
• Small business insurance
• Landlord property insurance
• Insurance intermediary services

Headquarters

HQ city

Borehamwood

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Intermediation: IPH acts as an independent insurance intermediary, arranging insurance for customers and earning commission from insurers. They offer a range of insurance products and have access to multiple insurers. Commission is disclosed upon request.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

IPH Insurance is an independent insurance intermediary and Lloyd's of London Coverholder that arranges and distributes insurance products on behalf of multiple insurers. The company offers two main product lines: international private medical insurance (individual Emerald Plan, Personal Security Plan, and corporate Group Scheme) for expatriates and local nationals globally, and UK general insurance covering small businesses, commercial property owners, homeowners, and buy-to-let landlords. The firm earns commissions by connecting customers to underwriters and provides multilingual support across a global broker network.

Product overview

IPH Insurance is a Lloyd's Coverholder operating as an independent insurance intermediary offering a portfolio of insurance products across two main categories: International Healthcare Insurance (including individual, group, and personal security plans) and UK General Insurance (including small business, commercial property, home, and residential property let insurance). The core offering is the Emerald Plan healthcare product available in Core, Advance, and Deluxe tiers, complemented by Group Scheme options for employers and Personal Security Plans. The UK general insurance arm provides flexible small business and property insurance products with optional add-ons.

Differentiator

Problem solved

Functional benefit

Brands

• Emerald Plan: Comprehensive international private medical insurance plan with three levels of cover (Core, Advance, Deluxe), available in USD and GBP, offering in-patient, out-patient, and comprehensive coverage options.
• Personal Security Plan
• Group Scheme

Products and services

• Emerald Plan Comprehensive international private medical insurance plan available in three tiers (Core, Advance, Deluxe) offering inpatient, outpatient, and fully comprehensive coverage options for expatriates and local nationals worldwide, with emergency medical evacuation and direct hospital payment for in-patient claims.
• Personal Security Plan Combined personal accident and income protection insurance covering death, loss of limb or sight, daily hospital cash benefit, and temporary or permanent disability support for individuals and groups in USD and GBP.
• Group Scheme Affordable, flexible group health insurance scheme for companies, businesses, non-profits, or affinity groups with customizable coverage and optional dental and optical add-ons, requiring a minimum of 5 members, with tailor-made plans for groups over 100.
• Small Business Insurance Flexible insurance plan for UK small businesses covering commercial properties, public and product liability, employers' liability, and domestic contents, with tailored options for restaurants, takeaways, grocers, hotels, and guesthouses.
• Commercial Property Owners Insurance Insurance coverage for UK commercial property owners covering buildings, property owners liability, contents, and terrorism, designed for takeaways, restaurants, offices, beauty salons, and grocers.
• Home Insurance Home insurance for UK properties providing buildings cover up to £600,000 and contents cover up to £50,000 as standard, with flexible options from Bedroom Rated to tailored quotes for houses, flats, bungalows, and mansions.
• Residential Property Let Insurance Buy-to-let landlord insurance covering houses, flats, bungalows, converted flats, and mansions with buildings cover, property owners liability, and optional extras including accidental damage, subsidence, and legal protection.

Quantifiable outcome

• Answer calls in 5 rings
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Two partnerships are on record, tiered core.

• Lloyd's of LondoncoreStrategic or Co-development PartnerEvery IPH policy is backed by Lloyd's of London, the world's most respected specialist insurance market. As a Coverholder at Lloyd's, IPH provides unshakeable security and financial strength for policyholders. Lloyd's of London is A+ rated, providing optimum reliability and quality.
• International Claims Management Services (ICMS)coreTechnology or IntegrationICMS is the dedicated claims administrator for out-patient healthcare claims. Policyholders pay healthcare providers first and then submit claims to ICMS for reimbursement in the currency of their plan. ICMS handles all out-patient claim processing and reimbursement.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Simply Business: UK-leading digital insurance broker focused on small business and landlord customers, with online quote and bind capability. Comparable to IPH's UK small business and property let insurance line but differentiated by a fully self-service digital model.
• Howden Insurance Brokers: Large UK and international insurance broker with broad commercial and personal lines capability, including expat and group schemes. Comparable to IPH's UK general insurance broker arm but with substantially larger scale and broader product portfolio.

Emerging players

• GeoBlue: Specialist international health insurer for US-bound expatriates and travellers, with strong digital distribution. Partial overlap with IPH's expat proposition; notably serves the USA market that IPH excludes.

Direct peers

• Allianz Care: International health insurer providing individual and group plans for expatriates, students, and globally mobile employees. Overlaps with IPH's individual Emerald Plan and Group Scheme products on multi-currency, multi-tier coverage for expats.
• William Russell: International health, life, and income protection insurer focused on expatriates in emerging markets, including Asia. Direct overlap with IPH's expat health proposition and emphasis on developing-market broker distribution.
• Now Health International: Specialist international private medical insurer for individuals and groups, particularly strong in Asia-Pacific expat corridors. Comparable product tiering and broker-led distribution model mirrors IPH's healthcare intermediation business.
• Bupa Global: International private medical insurance provider serving expatriates and globally mobile individuals with comparable product tiers and multi-year renewable plans. Overlaps with IPH's Emerald Plan across in-patient, out-patient, and comprehensive coverage for expats worldwide.
• APRIL International: International health and lifestyle protection provider for expats, students, and globally mobile clients with multi-currency plans. Directly comparable to IPH Emerald Plan structure and target expatriate customer base.
• Pacific Prime: Independent insurance broker specialising in international health insurance for expats and corporates across Asia-Pacific. Operates as a broker (similar to IPH) rather than carrier, with comparable expat-segment focus and group scheme offerings.
• Cigna Global Health: One of the largest international health insurers offering expatriate medical insurance with modular coverage and global provider networks. Directly comparable to IPH's individual expat health offering in product structure and target customer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/iphinsurance
• LinkedInlinkedin.com/company/international-private-healthcare-limited

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IPH Insurance