How we work - transparently

No mystery, no pressure, no jargon. Here's exactly what happens from your first message to the day your policy is live.

The process

Six stages. One point of contact.

Every client goes through the same rigorous process. Not because it's bureaucratic - because it's the only way to get IPMI genuinely right.

Discovery

Initial conversation

We start with a straightforward conversation - WhatsApp, phone, video call, or a cup of coffee in your favourite place. I want to understand your situation: where you live, where you travel, your family structure, your current cover (if any), and what's prompted you to explore IPMI now.

Typical duration: 20-30 minutes. No obligation, no paperwork, no sales pitch. Just a conversation to see if I can genuinely help.

Analysis

Needs assessment & fact find

If it looks like IPMI is appropriate, we will complete a structured fact find covering your medical history, current medications, specific concerns, preferred hospitals, and budget range. This is the foundation of a proper recommendation - without it, any quote is guesswork.

Why this matters: Pre-existing conditions, countries you visit, and how wide the cover needs to be are the biggest factors affecting both your premium and the quality of your policy. Getting this right at the start prevents problems later.

Research

Whole-of-market research

I search the market across our full panel of IPMI insurers - Bupa Global, April International, Cigna, AXA Global, Now Health, IMG, and others. I'm comparing not just price, but policy terms, exclusion clauses, claims track records, hospital networks, and how each insurer handles your specific circumstances.

What you won't get: A shortlist of whoever pays the highest commission. Every recommendation is based purely on fit for your situation. If the right insurer pays less, that's still the recommendation.

Recommendation

Suitability report & recommendation

You receive a written suitability report documenting your needs, the options considered, and the recommended policy with full reasoning. This isn't a quote comparison sheet - it's a proper advisory document explaining exactly why this policy fits you, and what the alternatives were.

Your choice: You can take the recommendation, ask questions, request alternatives, or simply decide IPMI isn't right for you right now. There's no pressure at this stage.

Setup

Policy placement & onboarding

Once you're happy to proceed, I handle all the paperwork and insurer communication. You'll receive your policy documents, membership cards, and a plain-English summary of what you're covered for, how to access care, and how to make a claim.

First-use confidence: Before anything happens, you should know exactly how to use your policy. I make sure you do, and will be there to help at any time.

Ongoing

Annual review & claims support

I contact you at least 60 days before renewal to review whether your policy still fits your circumstances and whether better options have emerged in the market. If you need to make a claim, I'm available to help navigate it - not just point you at an 0800 number.

The long game: Over 85% of our new clients come through personal referrals. That's only possible if existing clients feel well-served, year after year.

Why it matters

Our standards, every client, every time

Here's what you get working with Albatross Healthcare - no exceptions, no variations.

What you get with Albatross Healthcare	Our standard
Dedicated single point of contact	Always Kirill
IPMI specialist knowledge	We only specialise in IPMI
Written suitability report	Every client
Whole-of-market research	Full panel
Bilingual service (EN/RU)	Yes - native Russian
Direct claims support	Personal involvement
Proactive renewal review	Yes - well before renewal
FCA regulated advice	Directly authorised no. 1024739

Remuneration

How we're paid - and why it matters

Transparency about remuneration is a basic requirement of good financial advice. Here's how it works for IPMI.

→ We receive commission from insurers when a policy is placed. This is disclosed in your suitability report.
→ Commission does not influence our recommendation. We recommend what fits - not what pays most.
→ For most clients, there is no additional advisory fee. For complex multi-member or corporate cases, we'll discuss this upfront.
→ Ongoing renewal commission covers our continued service, annual reviews, and claims support - not just the initial sale.
→ You can always see what commission we will receive on your recommendation - it is disclosed in full in the suitability report we provide before any policy is placed.

What does it cost you?

For most individual and family IPMI placements, our advice and ongoing service comes at no direct cost to you.

£0

broker fee for most clients

The insurer pays us a commission that's built into the premium market-wide. Using a specialist broker doesn't cost more than going direct - and typically results in a better-structured policy.

Next step

The first conversation costs nothing

20 minutes on WhatsApp or a call to understand whether IPMI makes sense for your situation. No commitment, no follow-up pressure.

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