Health & Protection Releases 2025 IPMI Report: Seven Health Insurance Providers Earn Five Star Service Rating
Health & Protection, an online publication for intermediaries, consultants and brokers in the world of healthcare, protection and financial advice, has released the 4th edition of their annual International Private Medical Insurance (IPMI) Report, offering a detailed, independent perspective on the global IPMI landscape. The report provides critical insights into how the industry is performing in terms of growth, service delivery, and confidence in the market (as seen by both insurers and intermediaries), reveals diverging confidence levels between insurers and brokers – and highlights seven ‘Five Star’ global insurance providers
The report highlights that while confidence in the IPMI market has dipped back to pre-pandemic levels – especially among intermediaries – insurance providers remain more bullish, with most anticipating continued growth in policyholder numbers over the short to medium term.
One of the most closely watched parts of the report each year is the IPMI Provider Service Ratings, based on feedback from over 200 global intermediaries. For 2025, seven providers earned a Five Star Service Rating – a significant recognition of consistent, high-quality service delivery.
It’s important to note that these ratings are issued independently by Health & Protection and do not represent the views of One World Cover. That said, we are proud to work with six of ouf seven of the insurance providers who received Five Star Ratings, namely:
At One World Cover, we have active partnerships with all six of these providers and can help our clients secure competitive, high-value health insurance solutions through any of them.
While the Service Ratings provide valuable direction, it’s worth considering that the report sample skews toward a UK perspective: 63% of the brokers and intermediaries surveyed are based in the UK, and another 11% in Europe. This means some results may underrepresent performance in other regions, including Asia, the Middle East, and Africa – regions where One World Cover is particularly active.
For example, Crispin Speers & Partners, while a respected Lloyd’s broker in the UK market, is far less visible in the regions where we operate. Conversely, Allianz Partners, which earned a Three Star Rating in this year’s report, is widely viewed by One World Cover as a strong global partner and would rate among our top performers alongside Cigna based on our day-to-day experience.
The full report covers much more than service ratings, including detailed provider insights, market challenges, and trends. You can request a copy here.
If your organization is re-thinking your insurer relationship, service experience, or broker support, this report – and One World Cover’s guidance – can be a powerful tool to help you benchmark your current solution.
Brokers Under Pressure – Why Expert Advice Matters More Than Ever in IPMI
A large part of the report is foscused on brokers and advisers, and includes the results of a survey of over 200 intermediaries, offering a revealing look at confidence levels, pain points, and client needs.
Notably:
- Confidence among brokers has dropped to pre-pandemic levels
- The vast majority say clients are more price-sensitive than ever
- There’s increasing frustration about lack of transparency in insurer pricing and limited product innovation
The data strongly validates the value of working with a broker – especially one that has deep regional experience and can help clients navigate differences in insurer quality, service standards, and risk appetite.
It’s important to consider that (as noted above) 63% of respondents were UK-based so the insights into global service standards may therefore be more UK-centric than the title suggests.
Still, the findings are clear: international private medical insurance is complex, and organizations need a partner who can:
- Interpret market shifts and pricing strategies
- Ensure fairness and transparency in renewals
- Provide ongoing support to employees
- Protect the business from long-term cost creep
That’s what we do all day, every day.
To learn more please get in touch: [email protected] or click here to contact us.
