Medical claims and assistance.
Your partner in Germany and across Europe.
An independent Third-Party Administrator, Medigo provides seamless access to healthcare for insured members. Germany is our home market, our expertise is across Europe, but we serve our clients globally.
Medigo in numbers
150+
Countries
300k+
Cases handled
5,200+
Directly contracted providers
10
Languages
What your members tell us.
“Following eight very difficult months, I am back to Doha. Thank you for your invaluable assistance all this time. You and Medigo were professional and empathetic.”
“I would like to sincerely thank you for your kind assistance with the pre-approval process for my wife's delivery. Your help was very much appreciated during this meaningful moment in our lives.”
“Thank you for all your support in arranging my appointments and therapy sessions. Especially Alina, who has always been patient, timely, and supportive in organizing everything for me.”
From the first call to the final invoice.
One partner for the whole member journey from pre-approval to settlement.
Claims management & cost containment
We handle claims end to end: pre-approvals, reimbursements, invoice audits and direct billing. Members use our own cashless network across Europe and partner networks in 150+ countries.
Learn more
Medical assistance
24/7 emergency response across Europe and beyond: emergency admissions, same-day appointments, house visits, air and ground ambulance, and repatriation.
Learn moreSecond medical opinion
An independent review of a diagnosis or treatment plan by one of 100,000+ specialists at leading hospitals, without leaving home.
Learn moreMedical concierge
Planned treatment abroad organised A to Z: we find the right hospital and doctor, then handle appointments, travel and stay.
Learn moreAll of it runs on our own direct billing network and our claims platform, MediClaim.
Specialists in European healthcare, rooted in Germany.
We know Europe's healthcare systems, providers, billing rules and regulations first-hand, and Germany best of all. That's why insurers trust us to build their networks, manage cases, contain costs, adjudicate claims and look after their members across the continent.
Germany is our home. Europe is our heart.
A strong direct billing network and more than a decade of containing costs across very different healthcare systems.
Built for IPMI.
We know how IPMI policies work and what policyholders expect. Your members get attentive, personal, concierge-grade service; you get firm cost control.
Health and travel insurance.
As both a TPA and a medical assistance company, we support insurers, MGAs, TPAs and assistance companies on any product with a healthcare component.
Human expertise, AI-enabled.
We built MediClaim ourselves, so it fits how we work and how our clients work. AI and automation take the repetitive parts: data entry, structuring medical data, spotting discrepancies. Our medical and claims experts make every decision.
MediClaim, our own platform
Built in-house and API-first, MediClaim connects to your systems, and we can adapt it when your products change.
AI where it adds value
It speeds up adjudication, flags savings opportunities and turns messy medical documents into structured data.
Humans where it matters
Doctors, nurses and claims experts make the decisions. AI never makes a medical call.
Built for insurers, partners and employers.
Improve network access and control claims costs.
- Cashless network across Europe, partners in 150+ countries
- Invoice audits and cost containment
- End-to-end adjudication
- Oversight and reporting for reinsurers
A partner for your outbound European claims.
- Guarantees of payment and direct billing
- Access to our provider network
- Multilingual case management
- White-label assistance
Care for mobile staff, control for the plans you fund.
- A single point of contact
- Support for expats and travelling staff
- Independent claims administration
- Reporting for HR and stop-loss insurers
Need a second opinion or treatment abroad?
A multilingual team of doctors and nurses.
Our doctors and nurses manage every medical case personally, with empathy and in your members' language.
Medical case management
Doctors & nurses, in-house
Claims & cost containment
Coding and audit experts
Assistance coordination
24/7, 10 languages
Provider network
Europe and 150+ countries
Small enough to adapt. Experienced enough to rely on.
01
Patient-centric
We started in 2013 helping patients find the right treatment abroad. We still judge every case by what is right for the patient.
02
Flexible and agile
We adapt our processes to how you work, not the other way round. That's why we built MediClaim ourselves and keep investing in it.
03
A growth mindset
We listen to clients' feedback and build solutions with them. We stay for the long term.
04
Your local expert
One team for claims and medical assistance in Europe – from the UK to Turkey.
German company. GDPR by default.
Patient and claims data stored and processed in the EU
A full audit trail on every case
Providers vetted for clinical quality
Questions we often hear
Medigo is an independent TPA and medical assistance company in Berlin, specialised in servicing international private medical insurance (IPMI), health insurance and travel insurance products. In practice, when a member needs care abroad, we check their cover, issue a guarantee of payment so they don't pay up front, follow the case medically and audit the final invoice before it is paid. Germany and Europe are our core markets, with our own contracted network; elsewhere we work with local partners in 150+ countries. We also offer second medical opinions, medical concierge and telemedicine.
Ready to talk?
Tell us about your book and what you need. We'll come back to you with the right setup.