BrokerFish

BrokerFish is an independent international health insurance broker, not an insurer. Brokerfish Ltd is incorporated in Labuan, Malaysia (Company No. LL06440) and is a licensed Labuan Insurance Broker under the Labuan Financial Services & Securities Act 2010 (Licence No. BS200863). We have advised expatriates, internationally mobile families and employers on medical cover since 2008.

What we do: compare, advise and arrange international private medical insurance (IPMI) for people who live, work or retire outside their home country, including foreigners in Malaysia and Malaysians moving abroad. Cover runs from in-patient only to fully comprehensive, with out-patient, dental, maternity, optical and evacuation options, in USD, EUR, GBP or CHF depending on the insurer, and in MYR or THB for local plans. For employers we arrange group plans for SMEs, international schools, NGOs, embassies, crews and remote teams.

Our panel: 22 plan ranges from 15 insurer groups: Allianz, April, Cigna, Expacare, Expatriate Group, Foyer Global Health, Great Eastern, HCI, IMG, Luma, Morgan Price, Now Health International, Optimum Global, Pacific Cross and William Russell. Eighteen are international; four are local plans for Malaysia and Thailand. Insurers beyond the panel, including Bupa Global, are quoted on request.

Compare prices yourself, free and without signing up, at navigator.brokerfish.com. Every premium there is computed from the insurer's own current rate table for your exact age, country of residence, nationality and chosen options; it is never an indicative range. Adjust the excess, out-patient limit, dental, maternity or area of cover and the premium recalculates. Plans are ranked by premium; commission is not an input. Each plan shows what it covers across ten benefit areas and a cover score out of 100 against a published rubric, and 21 of the 22 ranges can be applied for online. A premium is a quotation, not an offer of cover: the insurer's underwriting sets the final premium and terms, and a licensed adviser reads every application before it goes to an insurer.

Medical history: we place cover on full medical underwriting, moratorium and continued-cover transfer bases, and we know which insurers have accepted which histories before. Tell us what to work around and we shortlist accordingly.

How we're paid: BrokerFish does not charge clients brokerage or service fees. You pay the insurer directly, and BrokerFish may receive commission from the insurer.

Questions: [email protected], or WhatsApp +60 17 240 7548.

Every figure was read from the code or the live press page today, and the text passes a scan for the retired price-parity claim, ratings and the stale plan counts. The source of each claim is tabled in the file. Like the press page, the panel count is a snapshot and must be edited by hand when an insurer joins or leaves.