Santexpat.fr

What Santexpat.fr does

careXpat (formerly Santexpat.fr) is a Paris-headquartered digital insurance brokerage and comparison platform that serves French expatriates seeking international health coverage across more than 200 countries. Founded in 2019, the company operates a self-service website that quotes, compares, and routes customers to partner insurance carriers, segmented by use case — long-term expatriation (12+ months), senior/retiree, student/intern/au pair, digital nomad, working holiday visa, short-term travel, and professional mission. The platform is supported by phone-based dedicated advisors (France and US numbers) and a dedicated enterprise channel for corporate group plans.

The technology stack centers on a quote calculator parameterized by destination country, departure date, duration, and reason for expatriation, plus an embedded 24/7 French-language teleconsultation service accessible via a smartphone application, with additional modules for long-term therapy continuity, women's health, and oncology second opinions. The company rebranded from Santexpat to careXpat in 2026, consolidating the previously separate EmiratExpat Santé and Crystal Mobility brands under a single identity, and holds Certified B Corporation status with affiliations to La French Tech Grand Paris, La French Care, Bpifrance, Business France, and the Caisse des Français de l'Étranger.

careXpat's revenue model is affiliate/referral-based: the platform is compensated by insurance carriers on policy sales rather than charging customers directly, and the company explicitly states that its negotiated volume-based rates are equal to or lower than going direct to insurers. Strategic investors Malakoff Humanis (lead Series A and Series B participant) and Swiss Life France (Series A) anchor the cap table alongside a family office, with cumulative disclosed funding of approximately €31M across seed, Series A (€3M, June 2023), and Series B (€26M, March 2026).

Name

Santexpat.fr

Legal name

careXpat

Website

https://santexpat.fr

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

careXpat (formerly Santexpat.fr) is a Paris-based digital health insurance brokerage and comparison platform that serves 20,000+ French expatriates across 200+ countries, earning affiliate commissions from partner insurers and offering adjacent teleconsultation and specialty health services.

Ownership category

akta.pro rank

Product category

International Health Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Services-Prepackaged Software (7372)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industry

International/Expat Direct-to-Consumer Telehealth Platforms (HLALAAAG)

Keywords

• Expatriate health insurance
• International health coverage
• Insurance brokerage platform
• Insurance comparison engine
• Medical teleconsultation services

Headquarters

HQ city

La Bourse

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Insurance Commission: careXpat earns commissions from insurance providers for referrals and policy sales. The platform states customers pay the same price as going direct, with careXpat compensated by insurers rather than customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Santexpat.fr (rebranded to careXpat) operates a digital health insurance comparison and brokerage platform for French expatriates living in more than 200 countries. The platform compares international health insurance offerings from multiple providers, surfaces quote-based pricing tailored to destination, age, duration, and reason for expatriation, and earns commissions from insurers rather than charging customers. It is complemented by 24/7 French-language medical teleconsultation services and ancillary health offerings.

Product overview

careXpat (formerly Santexpat.fr) operates as a digital health insurance comparison and brokerage platform specifically designed for French expatriates. The platform offers a unified portfolio of products spanning multiple stay types: long-term expatriation (12+ months), retirement/senior coverage, student programs, digital nomad lifestyles, working holiday visas, short-term travel, and professional missions. The core offering is complemented by ancillary health services including 24/7 French-language teleconsultations, long-term therapy continuity, women's health, and oncology support. The company also provides enterprise solutions for businesses managing international employees. The platform rebranded from Santexpat.fr to careXpat in 2026, consolidating previously separate brands (EmiratExpat Santé and Crystal Mobility) under one unified identity.

Differentiator

Problem solved

Functional benefit

Products and services

• Long-Term Expatriate Health Insurance (Assurance Santé Expatrié Longue Durée) Comprehensive health insurance coverage for French expatriates staying abroad for more than 12 months, providing international health protection across multiple tariff zones.
• Senior / Retiree Expatriate Health Insurance (Assurance Santé Senior / Retraité) Specialized health insurance coverage for senior French expatriates and retirees living abroad, addressing age-specific healthcare needs and ongoing treatments.
• Student / Au Pair Health Insurance (Assurance Études, Stages, Séjour au Pair) Health insurance solutions designed for French students, interns, and au pairs studying or working abroad on temporary placements.
• Digital Nomad / Globetrotter Health Insurance (Assurance Digital Nomad / Globetrotter) Flexible, portable health coverage for digital nomads and long-term travelers staying more than 3 months abroad across multiple countries.
• Working Holiday (PVT) Health Insurance (Assurance Working Holiday) Health insurance for French Working Holiday Visa (PVT) participants, covering extended international stays with work rights.
• Professional Mission Health Insurance (Assurance Mission Professionnelle) Health insurance solutions for French professionals on short-term work assignments abroad lasting under 12 months.
• careXpat Enterprise Plans (Offres Entreprises careXpat) Group corporate health insurance solutions for businesses managing employees posted abroad or in international mobility situations, with custom pricing based on headcount and coverage requirements.
• 24/7 French-Language Medical Teleconsultation (Téléconsultation Médicale) Remote medical consultation service with French-speaking doctors available 24/7 via smartphone application, providing prescriptions and follow-up care from abroad.
• Long-Term Therapy Continuity (Thérapies et Suivis Longue Durée) Continued treatment and regular follow-up services for individuals with ongoing therapies, enabling continuity of care while abroad.
• Women's Health Services (Santé des Femmes) Specialized women's health services covering maternity, gynecology, and gender-specific healthcare needs for French expatriate women.
• Oncology Support and Second Opinion (Oncologie et Second Avis) Oncology support services including second medical opinions and structured care pathway accompaniment throughout treatment for expatriate patients.

Quantifiable outcome

• 20,000+ expatriates served

Named customers2 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Various Insurance ProviderscoreOthersMultiple insurance providers whose products are compared and offered through the careXpat platform. The company earns commissions from these insurers and has negotiated preferential pricing for its customers.
• Caisse des Français de l'Étranger (CFE)minorOthersFrench social security fund for French citizens abroad. Listed as a trust indicator on the careXpat website, suggesting partnership or recognition relationship.
• Business FranceminorOthersFrench agency supporting international development. Listed as an affiliation/trust indicator on the website.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• April International: French-headquartered international health insurance broker serving expatriates globally with comparison and advisory services. Directly competes with careXpat in the same French expatriate niche with overlapping insurer partnerships.
• HEYME: French insurtech focused on health coverage for young internationals, students, and expats. Competes with careXpat in the student/digital nomad and short-term expatriate segments with a digital-first proposition.
• Now Health International: Digital-first international health insurance provider focused on expats and globally mobile individuals. Comparable product offering, target customer, and tech-enabled distribution approach.

Regional players

• CFE (Caisse des Français de l'Étranger): French state-affiliated social security fund for French citizens abroad, listed as a trust partner by careXpat. Provides baseline health coverage that careXpat complements with private top-up insurance.
• Santéclair: French health insurance broker platform serving individual and group health policyholders. Operates in the same French health comparison/brokerage space but focused primarily on the domestic market rather than expats.

Broad incumbents

• Allianz Care: Global health insurance provider for expatriates and internationals. CareXpat distributes Allianz-partnered plans and competes for the same customer base but at much larger scale and broader geographic reach.
• Cigna Global Health: One of the largest international health insurers serving globally mobile individuals and corporate clients. Comparable product offering to careXpat's portfolio with much larger scale and direct distribution.
• AXA Global Healthcare: Major international health insurance brand under AXA, serving expats and globally mobile employees. Overlaps with careXpat in the expatriate and corporate mobility segments.

Others

• Swiss Life France: Strategic investor in careXpat's Series A (2023) and a leading French life and health insurer. Functions as both a financial backer and a product supplier whose policies careXpat distributes.
• Malakoff Humanis: Lead investor in careXpat's Series A and Series B (€26M in March 2026). A leading French social protection group whose health insurance products are central to careXpat's distribution offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Santexpat_fr
• Facebookfacebook.com/Santexpat.fr

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds4 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Santexpat.fr