Peer set correcto: aseguradoras IPMI internacionales EEE. El peer set incorrecto son las 5 grandes domésticas españolas — no compiten en IPMI expat premium.
| Competidor | Regulador | Jurisdicción | DGSFP | Plan Top | Plan Entrada | AM Best | LATAM | Visa ES |
|---|---|---|---|---|---|---|---|---|
| VUMI Euro HealthVUMI | MFSA Malta | EEA | ⚠ Pendiente | €5M (Premier) | €3M (Priority) | No público | ★★★★★ | ✓ (si DGSFP) |
| Bupa Global | Central Bank Ireland | EEA | Sí (Sanitas) | Elite | Essential | Bupa A (AM Best) | ★★ | ✓ |
| Cigna Global | Guernsey FSC | NO EEA | No (Guernsey) | Platinum | Close Care | No público | ★★ | ✗ |
| Allianz Care | Central Bank Ireland | EEA | Sí (EEA) | £3,1M Signature | £830K Base | A+ Superior | ★★ | ✓ |
| AXA Global Health | FCA UK | NO EEA | Restringido post-Brexit | Premium | Basic | A+ (S&P) | ★★ | ✗ (individual) |