{ "id": "term-ipmi-benefit-modules", "type": "term", "languages": { "en": { "id": "term-ipmi-benefit-modules", "lang": "en", "type": "term", "title": "IPMI Benefit Modules", "shortDefinition": "IPMI benefit modules are the combinable building blocks of an international health plan – in-patient cover as the core, supplemented by out-patient, dental, maternity, evacuation, vision and wellness modules – through which the scope, limits and premium of a plan are controlled.", "synonyms": [ "Benefit Building Blocks", "Modular Plan Design", "Core and Optional Modules", "Benefit Tiers" ], "linesOfBusiness": [ "Health" ], "jurisdictions": [ "Global" ], "tags": [ "ipmi", "Expatriates", "Contract design", "Employee Benefits" ], "relations": { "relatedTerms": [ "cov-international-private-medical-insurance", "term-area-of-cover", "term-medical-evacuation-repatriation", "term-jahreshoechstleistung", "term-wartezeit", "term-deductible", "term-copayment" ], "partOf": [ "cov-international-private-medical-insurance" ], "appliesTo": [], "regulatedBy": [], "relevantFor": [], "insurableVia": [], "mitigatedBy": [], "comprises": [], "alternativeTo": [], "complementedBy": [] }, "attribute": null, "profile": null, "coverageProfile": null, "clause": null, "legalBasis": [], "standards": [], "reviewStatus": "expert-reviewed", "reviewedBy": "Guido Hesse, Hesse Group Holding AG", "lastReviewed": "2026-09-04", "version": "0.1.0", "updated": "2026-09-02", "generated": { "by": "process:reconstructed", "at": "2026-09-02T00:00:00.000Z" }, "verified": [ { "by": "human:ghesse", "at": "2026-09-04T00:00:00.000Z", "method": null } ], "staleAfter": null, "url": "https://hgh.ch/lexikon/en/knowledge/term/ipmi-benefit-modules/", "alternateUrl": "https://hgh.ch/lexikon/de/wissen/begriff/ipmi-leistungsmodule/", "body": "## Concept\n\nInternational health plans are built as a kit of modules rather than a single benefit schedule. The mandatory core is the in-patient module: hospital and day-case treatment, surgery, intensive care, cancer therapy, hospital diagnostics and – depending on the plan – emergency treatment and rehabilitation. Modules can be added on top: out-patient (consultations, prescription drugs, physiotherapy, mental health), dental (routine and major treatment, usually with a waiting period), maternity (pregnancy and childbirth, typically only after a 10- to 12-month waiting period), vision, wellness or health and wellbeing (check-ups, vaccinations) and evacuation and crisis assistance. The Cigna Global policy rules, for instance, list International Outpatient, International Evacuation & Crisis Assistance Plus, International Health and Wellbeing and International Vision and Dental as optional modules; without the module the corresponding treatments are excluded.\n\n## Tiers and Limits\n\nWithin a module the scope is controlled through tiers (typically three, such as Silver/Gold/Platinum) that differ in the annual overall limit, sub-limits per benefit, waiting periods and cover for chronic conditions. Deductibles and percentage cost shares, often with an annual out-of-pocket cap, are layered on top. Many insurers keep the evacuation benefit outside the annual limit so that a transport does not exhaust the remaining cover.\n\n## Practical Note\n\nFor corporate plans the module mix is a cost lever: out-patient modules generate high-frequency claims, while maternity and dental are predictable and are often designed as voluntary options. Comparing insurers requires a line-by-line comparison at module and sub-limit level, because identical module names can describe very different benefit content." }, "de": { "id": "term-ipmi-benefit-modules", "lang": "de", "type": "term", "title": "IPMI-Leistungsmodule (Benefit Modules)", "shortDefinition": "IPMI-Leistungsmodule sind die kombinierbaren Bausteine einer internationalen Krankenversicherung – Inpatient als Kern, ergänzt um Outpatient, Dental, Maternity, Evacuation, Vision und Wellness –, mit denen Leistungsumfang, Limiten und Prämie eines Plans gesteuert werden.", "synonyms": [ "Leistungsbausteine", "Modularer Planaufbau", "Core and Optional Modules", "Benefit Tiers" ], "linesOfBusiness": [ "Kranken" ], "jurisdictions": [ "Global" ], "tags": [ "ipmi", "Expatriates", "Vertragsgestaltung", "Employee Benefits" ], "relations": { "relatedTerms": [ "cov-international-private-medical-insurance", "term-area-of-cover", "term-medical-evacuation-repatriation", "term-jahreshoechstleistung", "term-wartezeit", "term-deductible", "term-copayment" ], "partOf": [ "cov-international-private-medical-insurance" ], "appliesTo": [], "regulatedBy": [], "relevantFor": [], "insurableVia": [], "mitigatedBy": [], "comprises": [], "alternativeTo": [], "complementedBy": [] }, "attribute": null, "profile": null, "coverageProfile": null, "clause": null, "legalBasis": [], "standards": [], "reviewStatus": "expert-reviewed", "reviewedBy": "Guido Hesse, Hesse Group Holding AG", "lastReviewed": "2026-09-04", "version": "0.1.0", "updated": "2026-09-02", "generated": { "by": "process:reconstructed", "at": "2026-09-02T00:00:00.000Z" }, "verified": [ { "by": "human:ghesse", "at": "2026-09-04T00:00:00.000Z", "method": null } ], "staleAfter": null, "url": "https://hgh.ch/lexikon/de/wissen/begriff/ipmi-leistungsmodule/", "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/term/ipmi-benefit-modules/", "body": "## Konzept\n\nInternationale Krankenversicherungen sind nicht als einheitlicher Leistungskatalog, sondern als Baukasten konstruiert. Obligatorischer Kern ist das Inpatient-Modul: stationäre und tagesklinische Behandlung, Operationen, Intensivpflege, Krebstherapie, Diagnostik im Spital und – je nach Plan – Notfallbehandlung und Rehabilitation. Darauf können Module gesetzt werden: Outpatient (Arztbesuche, Medikamente, Physiotherapie, psychische Gesundheit), Dental (Routine- und grössere Zahnbehandlungen, meist mit Wartefrist), Maternity (Schwangerschaft und Geburt, typischerweise erst nach 10 bis 12 Monaten Wartezeit), Vision, Wellness beziehungsweise Health and Wellbeing (Vorsorgeuntersuchungen, Impfungen) sowie Evacuation und Crisis Assistance. Die Cigna-Global-Policenregeln listen beispielsweise International Outpatient, International Evacuation & Crisis Assistance Plus, International Health and Wellbeing sowie International Vision and Dental als optionale Module; ohne Abschluss des Moduls sind die betreffenden Leistungen ausgeschlossen.\n\n## Leistungsstufen und Limiten\n\nInnerhalb eines Moduls wird der Umfang über Stufen gesteuert (marktüblich drei, etwa Silber/Gold/Platin), die sich in der Jahreshöchstleistung, Sublimiten je Leistungsart, Wartezeiten und der Deckung chronischer Erkrankungen unterscheiden. Hinzu kommen Selbstbehalte und prozentuale Kostenbeteiligungen, oft mit Jahresobergrenze. Die Evakuierungsleistung wird bei vielen Anbietern ausserhalb des Jahreslimits geführt, damit ein Transport die übrige Deckung nicht aufzehrt.\n\n## Praxishinweis\n\nBei Firmenplänen ist der Modulmix ein Kostenhebel: Outpatient-Module verursachen hohe Frequenzschäden, Maternity und Dental sind planbar und werden gerne als Wahlleistungen ausgestaltet. Der Vergleich von Anbietern setzt eine Gegenüberstellung auf Modul- und Sublimitenebene voraus, weil identische Modulnamen sehr unterschiedliche Leistungsinhalte bezeichnen können." } } }