Virginie Josten — IPMI expert
IPMI expert
Legal training, then a master’s in human resources management from Paris Dauphine University, then senior global roles as a trainer at Accenture and at Maison Parfums Christian Dior.
Works in English and French.
Insurance came after her own relocation: Helsana’s international department first, advising cross-border employees, expats and retirees abroad — and now international private medical insurance at SIP Medical Family Office.
Free · 45 minutes
What Virginie reviews
The desk, precisely.
Private clients
International private medical insurance for high-net-worth individuals and their families — cover read against a life that crosses borders rather than against the brochure written for one country.
Companies
International medical cover arranged by an employer: what the plan actually contains, and which of the people it was bought for it genuinely reaches.
NGOs and embassies
Organisations whose staff are posted internationally, where the cover has to answer to a mission rather than to a single jurisdiction. Named separately because it is a separate part of Virginie’s desk at SIP.
Cross-border employees, expats and retirees abroad
The three groups she advised inside Helsana’s international department — each of them living with cover written under one country’s rules and used under another’s.
How Virginie works
The discipline behind the desk.
Virginie did not start in insurance. Legal training first, then a master’s in human resources management from Paris Dauphine University, then senior global roles as a trainer — at Accenture, and at Maison Parfums Christian Dior. Work done in an international context, for clients whose requirements were exacting.
The move into insurance followed her own move. She relocated to Switzerland with her family and joined the international department at Helsana, one of the large Swiss health insurers, advising cross-border employees, expats and retirees abroad. That is the population this site is built for, met from the insurer’s side of the desk first.
At SIP Medical Family Office she works on international private medical insurance as key account manager — private clients, companies, NGOs and embassies. She is a SIP colleague rather than Expat Savvy staff, and that is the arrangement rather than an exception to it: the advice on this site is ours, and cover, where placed, is placed under SIP’s licences.
The SIP desk
Whose colleague Virginie is.
Virginie is a colleague at SIP Medical Family Office — the firm this site's international cover is placed through. Expat Savvy holds no insurance licences of its own: the advice is ours, and cover, where placed, is placed under SIP's licences. The whole arrangement is written out on the about page, entities and public registers included, so it can be checked rather than taken on trust. Languages: English and French.
SIP list their own team at sip.ch — their page, not ours.
The rest of the team
Robert Kolar — Health insurance expert · Nicole Bohne — Life and protection expert · Davide Nezel — IPMI expert · Chantal Leprêtre — IPMI expert · About the practice
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