International Health Insurance
for Expats, Digital Nomads
& Global professionals
OPAL is the international health insurance platform operated by PSPI SA, a Swiss regulated insurance broker.
Designed for expatriates, digital nomads, internationally mobile families and global professionals, OPAL combines regulated brokerage expertise, trusted insurance partners and digital simplicity to help you access reliable international health coverage — wherever life takes you.
With PSPI’s regulatory oversight and a user-centric approach, OPAL secures every step: needs analysis,
coverage selection, subscription, management and ongoing support.
Why choose international health insurance?
Healthcare systems vary significantly from country to country. For expatriates or internationally mobile individuals, local systems are often insufficient, expensive or inaccessible.
International health insurance provides global protection, including hospitalization, routine care,maternity, dental, optical and worldwide assistance, without depending on a single national system.
OPAL
A digital platform backed by Swiss regulated brokerage expertise
OPAL is operated by PSPI SA, a regulated Swiss insurance broker. We are not an insurance company or an independent broker.
Our model
We objectively compare offerings from recognized insurance partners
We support clients before, during and after subscription
Our value proposition
✓ International health insurance
✓ solutions curated by PSPI SA, Swiss regulated broker
✓ Transparent comparison of competitive international plans
✓ Digital management of contracts and reimbursements
✓ Human support from experienced international mobility experts
Request your customized international health insurance quote
Reviews
Jean
Single - German expatriate in Paris, France
Your employees are incredible. Even if they don't have all the answers at hand, they do everything they can to help and find a solution. Their telephone availability is exceptional. There is actually no waiting time at all! My contact person was incredibly caring. She assured me at the beginning of the conversation that she would take care of everything. She called the clinic and in fact everything was taken care of perfectly. Excellent service, polite, sensitive and solution-oriented. It was really a pleasure. Definitely the best insurance company I have worked with in my life. Thank you very much.
Marcus
Widower - Swiss expatriate in Istanbul, Turkey
I was admitted to the hospital in December and was impressed by how fast treatment was approved and direct payment to the hospital was arranged. This was literally within minutes.
Aaron
Single - Expatriate in Tel Aviv, Israel
I love the card system you offer to pay instantly at the doctor or the pharmacy. It takes literally 15 seconds to make the request so I can even do it on the spot. The doctor was impressed and so was I! In addition, I find your application very easy to use and your team responds very quickly on WhatsApp if we have any questions. I am really happy to be with Opal! It’s a life changer!
Clara
Married - 2 children - Italian expatriate in Dubai
The customer service is exceptional: the advisors are very helpful, qualified and solved the problems for me. They also respond quickly. Stay that way!
Sébastien F.
Single, expatriate in Panama
I left Madrid a few years ago for a job opportunity in Panama. I am anxious by nature and it has always been important to me to be insured at best and more importantly not to have to ask myself questions about what is or isn’t covered under my health insurance. With Opal, I know everything is covered (optical, dental care, doctors, etc) and that’s without a deductible. Such a comprehensive and simple contract is what convinced me.
Lucie L.
Married, one child, expat in London, United-Kingdom
I am very pleased with Opal. I appreciate the very user-friendly app: with a simple picture as proof of payment, you are quickly reimbursed at a suitable price for your family. Therefore I would have no hesitations in recommending the Opal insurance.
Anne-Caroline D.
Married, three children, a Swiss expat in London (GB)
When my third child was born, we had to change our health insurance. I was worried at first but I’m very happy now. The online platform to send bills is very easy to use and refunds are very quick. Until now, Opal has taken care of all the health care expenses we submitted (pediatricians, general practitioners, physiotherapists and even speech therapist).
Laurence D.
Married, three children, French expat in italy
When we arrived in Italy, my husband’s status forced us to take a local insurance. It was very expensive and not very efficient so we quickly regretted our choice and then opted for Opal. With a wide range of health care to choose from and quick support, it is the ideal solution for families and you can be sure you’re going to get good treatment no matter what happens.
Oriane G.
Widow, two children, expatriate in the Netherlands, then in Spain
I lived in a complicated family situation with heavy and expensive health care. Without an effective insurance, we would certainly have had to go back to France. With Opal, we had the guarantee of having access to specialists and get an optimal coverage even in the worst-case scenario.
Frequently asked questions
Who is PSPI SA ?
PSPI SA is a Swiss regulated insurance broker responsible for OPAL’s brokerage activities. PSPI holds legal responsibility for client relationships, contract supervision and compliance with Swiss financial regulations.
Is OPAL an insurance company?
No. OPAL is a digital platform operated by PSPI AG to provide access to international health insurance solutions from partner insurers. We broker insurance, we don’t underwrite it.
Who is legally responsible for my policy ?
Your policy is brokered and supervised by PSPI AG in partnership with selected insurers. PSPI AG holds professional liability insurance and operates under FINMA oversight.
What is the difference between international health insurance and travel insurance?
Travel insurance covers short-term emergencies during trips (typically up to 90 days). International health insurance provides ongoing healthcare coverage worldwide for people living abroad long-term.
What insurance companies does OPAL work with?
OPAL partners with leading international health insurers including GoldenCare, April International, Expatriate Group, Foyer Global Health and PacificCross. All partners are selected by PSPI AG based on financial strength, network quality and claims service.
Can I manage my policy digitally?
Yes. The OPAL platform allows you to :
- View policy documents
- Submit claims online
- Track reimbursement status
- Update personal information
- Contact advisors via secure messaging
How are claims processed?
Depending on your coverage level:
- Direct billing: Hospital bills insurer directly (cashless)
- Reimbursement: You pay and submit claim for reimbursement
- Hybrid: Direct billing for hospitalization, reimbursement for outpatient
Processing times: 5-15 business days for standard claims.
