Independent, licensed international health insurance broker · established in Malaysia in 2008, origins in the 1990s · no brokerage fees
International health insurance, with a broker you can ask
BrokerFish is an independent, licensed health insurance broker (Labuan licence BS200863). We help expatriates, globally mobile families, professionals and organizations choose the right cover, and you can ask us any question about your cover. Prefer to look first? The Navigator shows live prices in seconds.
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A few details, no contact information. Every eligible insurer is priced live from its own rate tables.
Who else needs cover?
Real premiums, on screen now. Every eligible insurer, ranked by price. Tailor any plan and apply online. No sign-up to see prices.
Fill in your details (and your family's, if they need cover too) to see your quotes, or open BrokerFish Navigator and enter them there.
Prefer to build it yourself? Build your cover · Get an overview by e-mail
22 plan ranges from 15 insurer groups · live premiums · agreements with many more insurers. Insuring a team of 3 or more? Group solutions
Prefer to just ask?
Tell us in your own words
A quote never depends on health; underwriting may. Any medical history? Say so and we’ll guide you; we keep no copy.
Opens in a new tab. The assistant prices every eligible plan live, from the insurers’ own rate tables.
Not sure where to start?
What you’ll see
A live example — real premiums retrieved 7 October 2026 for a 35-year-old (male, UK national) living in Thailand, paying annually in USD. Click the preview to open the real thing:
…and every other eligible insurer for your profile, ranked by premium — never by commission. Tailor any plan and the premium recalculates live. It is the fastest way to compare international health insurance across the whole market.
Curious how BrokerFish Navigator works? Read our press page.
Ways to find your plan
See live prices
Every eligible plan for your profile, priced live. Refine with filters: budget, excess, benefits, underwriting.
Show my plans and pricesNot sure what you need?
Answer questions about cover, budget and priorities and we build a shortlist.
Start the guided journey · 3–5 minutesPrefer to build it yourself? Build your cover · Get an overview by e-mail
What we do
Independent IPMI advice
Clear guidance on plan levels, from inpatient-only to comprehensive cover, areas of cover, deductibles, co-pays and underwriting options.
Insurer comparison
We work with leading providers and help compare benefits, small print and premiums. We also develop discount programmes such as the BrokerFish Affinity Network.
Underwriting & claims help
Moratorium, transfers, full medical underwriting, simplified underwriting and group solutions — plus hands-on assistance with pre-authorisation and claims challenges.
Who we help
Individuals & Families
- New expats & relocations
- Parents planning maternity
- Retirees, TCNs, multi-country residents
Professionals
- Consultants, engineers, health workers
- Remote workers & digital nomads
- Teachers & international school staff
Students & Others
- International students & faculty
- Missionaries & volunteers
- Seafarers & crew
Coverage styles & geographies
Pick what fits now — and adapt later at renewal.
By geography
- Country-specific or local top-ups
- Regional cover, such as Southeast Asia, Africa or Europe
- Worldwide excluding or including USA
By depth of cover
- Inpatient-only cover
- Inpatient + outpatient cover
- Comprehensive cover with options such as dental, optical and maternity
By cost-control
- Deductibles / excess per year or per condition
- Outpatient co-pays
- Area, plan and network optimisation
Group & corporate cover
Employee benefits for international teams — Medical History Disregarded available from 3 lives. We design and manage group medical plans for SMEs and corporates, NGOs and non-profits, international schools, embassies and diplomatic missions, manning & crewing agencies, offshore energy and remote workforces.
Individual cover stays personal — group cover is where a broker earns their keep on plan design, underwriting concessions and renewals.
Start with a guide — or jump straight to quotes
How to choose IPMI
The decision framework: benefits, area, deductibles and underwriting.
Buyer’s guideCompare online
Use BrokerFish Navigator to browse plans, premiums and application options.
Open BrokerFish NavigatorProducts & services
International Medical
From core hospital cover to full benefits including outpatient, maternity, dental and optical options.
Compare & applyTravel Insurance
Single-trip or annual multi-trip cover with strong medical and evacuation benefits.
Get travel coverLife & Income Protection
Term life and income protection for illness or injury.
Protect your family & incomeGroup Insurance
Tailored employee benefits, international medical plans and group underwriting options.
Group solutionsUnderwriting options
Moratorium
No medical questionnaire; pre-existing conditions may phase in after a symptom, treatment and medication-free period, depending on insurer rules.
Currently insured — transfer
If you are currently insured, you may qualify for a CPME transfer with reduced medical questions and a possible premium reduction.
Full medical underwriting
Detailed health disclosure with clear outcomes on accepted, excluded or loaded conditions.
Pre-existing conditions
We give guidance on which insurers may be able to consider your specific medical history.
Affinity Network
Preferential evaluation and attractive premiums may be available through selected affinity arrangements.
Groups
Reduced underwriting and Medical History Disregarded options may be available depending on group size and insurer rules.
You can filter plans by underwriting basis — FMU, moratorium or CPME transfer — directly in BrokerFish Navigator
Claims & support
Pre-authorisation
We help with pre-authorisation letters, direct settlement and provider coordination.
Escalations
If something is stuck, we push for updates and fair outcomes.
Renewal strategy
Tactics to manage increases: area, deductibles, co-pays, plan tier and network choices.
Ready to compare plans or get quotes?
Browse plans and premiums online with BrokerFish Navigator, or send us your details and we will prepare tailored options. No brokerage fees. Our premiums are the insurers' own. You pay the same as buying direct, and with some insurers less.