Best Doctors Insurance

What Best Doctors Insurance does

Best Doctors Insurance is a Bermuda-domiciled, privately held international private medical insurance company founded in 1989 that designs and distributes health insurance plans for individuals, families, expatriates, digital nomads, and corporate groups across Latin America, the Caribbean, and Canada. The company is regulated by the Bermuda Monetary Authority and operates with a 224% solvency ratio, US$112 million in liquid assets, and US$175 million in US GAAP technical reserves, supported by a long-term reinsurance partnership with Reinsurance Group of America. Its portfolio comprises five core plans under a 'Pro' architecture (Medical Elite Pro, Premier Plus Pro, Global Care Pro, Medical Care Pro, Medical Select Pro) plus the CriticalSelect critical-illness rider, with annual premium-based subscription billing underwritten on factors including age, medical history, and coverage area.

The product ecosystem is built around a multi-portal digital platform — Member Portal, Agent Portal, Provider Portal, and the BD2go mobile app — backed by AI-assisted claims processing (the 'Fast Track' system handling over 28,000 claims in FY2024-2025 with 18% faster turnaround) and an AI-assisted underwriting engine. Differentiated service modules include the patented InterConsultation® second medical opinion service operated in partnership with Teladoc Health International (access to 53,000+ global specialists), the Elite Navigator™ physician advocate, Best Doctors Concierge™ for treatment-related travel coordination, and a CVS Caremark pharmacy network providing access to 68,000+ U.S. pharmacies. The provider network includes 5,500+ top-ranked hospitals such as Mayo Clinic, Cleveland Clinic, Clínica Universidad de Navarra, Baptist Health South Florida, and A.C. Camargo Cancer Center.

The business model is recurring premium revenue from subscription-priced annual policies, augmented by optional add-on riders and a quote-based distribution model that combines direct digital self-service (member-facing portals and mobile app) with a regional distributor and broker network across LATAM, the Caribbean, and Canada, supported by partner regional insurers for local regulatory issuance. Marketing reaches customers via multilingual website and content, social channels, email newsletters, and partner-led distribution, with Great Place To Work certification (2025-2026) supporting employer brand.

Name

Best Doctors Insurance

Legal name

Best Doctors Insurance Limited

Website

https://bestdoctorsinsurance.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

251–500 employees

Short description

Best Doctors Insurance is a Bermuda-regulated international private medical insurer offering five core plans plus a critical-illness rider, AI-assisted claims processing, and an exclusive second medical opinion service to individuals, families, and corporate groups across Latin America, the Caribbean, and Canada.

Ownership category

akta.pro rank

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. International Health Insurance Premiums: The company generates revenue through annual premiums for international private medical insurance plans offered to individuals, families, and corporate groups. Plans provide comprehensive coverage including hospitalization, treatments, consultations, and ongoing medical care. Premiums are determined based on factors including age, medical history, coverage area, and underwriting evaluation.
2. CriticalSelect™ Rider: Optional financial protection add-on that provides additional sum benefit upon diagnosis of covered critical illness (cancer, heart attack, stroke, organ transplant, etc.). Members can choose between US$25,000 or US$50,000 benefit paid directly to their account.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Best Doctors Insurance Limited is an international private medical insurance company founded in 1989, headquartered in Bermuda, that underwrites and administers tiered health insurance plans for individuals, families, expatriates, and corporate groups across Latin America, the Caribbean, and Canada. Its portfolio comprises five core plans (Medical Elite Pro, Premier Plus Pro, Global Care Pro, Medical Care Pro, Medical Select Pro) plus a CriticalSelect Rider, complemented by value-added services such as InterConsultation second medical opinion, Elite Navigator, Best Doctors Concierge, Individual Case Management, telemedicine, and medication delivery.

Product overview

Best Doctors Insurance offers a portfolio of international private medical insurance products under the 'Pro' brand architecture, comprising five core plans — Medical Elite™ Pro (flagship maximum coverage), Premier Plus™ Pro (robust enhanced protection), Global Care™ Pro (comprehensive worldwide access), Medical Care™ Pro (essential day-to-day coverage), and Medical Select™ Pro (smart life-stage plan) — supplemented by the CriticalSelect™ rider add-on for critical illness financial protection. The product ecosystem is extended through a suite of service modules including InterConsultation® (exclusive second medical opinion via Teladoc Health International), Elite Navigator™ (personal physician advocate), Best Doctors Concierge™ (treatment travel coordination), Telemedicine (video consultations), Individual Case Management, and Medication Delivery. Member-facing platforms include the BD2go mobile app, Digital Pass/Wallet, Member Portal, Agent Portal, and Provider Portal. Underlying the offering is an AI-assisted claims processing system (Fast Track) and AI-assisted underwriting engine. All products are designed for individuals, families, expatriates, digital nomads, and corporate groups across Latin America, the Caribbean, and Canada.

Differentiator

Problem solved

Functional benefit

Brands

• Medical Elite Pro: Signature plan designed for maximum coverage with maternity benefits, mental health coverage, and preventive benefits.
• Premier Plus Pro
• Global Care Pro
• Medical Care Pro
• Medical Select Pro
• CriticalSelect Rider
• InterConsultation
• Elite Navigator
• Best Doctors Concierge
• BD2go

Products and services

• Medical Elite Pro Highest-tier individual/family international health insurance plan offered by Best Doctors Insurance, designed for members seeking maximum coverage across Latin America, the Caribbean, and Canada.
• Premier Plus Pro Premium-tier international health insurance plan for individuals and families seeking enhanced coverage and access to the Best Doctors Insurance provider network.
• Global Care Pro Mid-tier international health insurance plan offering broader regional coverage for individuals and families across Latin America, the Caribbean, and Canada.
• Medical Care Pro Mid-entry international health insurance plan for individuals and families seeking core medical coverage with regional access.
• Medical Select Pro Entry-tier international health insurance plan offering foundational coverage for individuals and families across the company's regional footprint.
• CriticalSelect Rider Optional critical-illness rider that can be added to a Best Doctors Insurance core plan, providing additional financial protection for specified serious medical conditions.
• InterConsultation Second medical opinion service that connects members with a panel of 50,000+ international specialists to validate diagnoses and recommend treatment plans for complex conditions.
• Elite Navigator Personalized healthcare navigation service that guides members to appropriate providers, coordinates care, and assists with treatment decisions across the Best Doctors Insurance network.
• Best Doctors Concierge Concierge service that provides members with high-touch assistance for administrative and medical coordination needs throughout their healthcare journey.
• Individual Case Management Case management service for individual members with complex, serious, or chronic conditions, providing dedicated clinical and administrative support.
• Medication Delivery Mail-order prescription medication delivery service for members, supported through a partnership with CVS Caremark.
• BD2go Mobile App Mobile application that enables members to submit and track claims, access a virtual ID card, locate providers, and manage their coverage from a smartphone.

Quantifiable outcome

• 18% faster claims turnaround time
• +7 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered core.

• A.C. Camargo Cancer CentercoreStrategic or Co-development Partner · 26 February 2026Brazil's leading oncology center partnered as part of the global provider network, expanding options for specialized cancer care and treatment for members across Latin America.
• Teladoc Health InternationalcoreTechnology or IntegrationPartner for the InterConsultation® service, providing access to a panel of over 53,000 global specialists who review cases and deliver comprehensive expert reports. The service allows members to obtain second medical opinions even for conditions not covered under their policy.
• CVS CaremarkcoreTechnology or IntegrationPharmacy Benefit Manager (PBM) partnership providing members access to over 68,000 pharmacies across the U.S., including CVS, Walgreens, Walmart, Kroger, Rite Aid, and many others. Enables prescription coverage and medication delivery services for members.
• Clínica Universidad de NavarracoreStrategic or Co-development PartnerLeading healthcare institution partnered as part of the global provider network, offering members access to quality medical care at this renowned facility.
• Mayo CliniccoreStrategic or Co-development PartnerPremier healthcare institution partnered as part of the global provider network, offering members access to world-class medical expertise and treatment.
• Baptist Health South FloridacoreStrategic or Co-development PartnerRegional healthcare leader partnered as part of the global provider network, providing accessible quality care for members in the South Florida region.
• Cleveland CliniccoreStrategic or Co-development PartnerWorld-renowned healthcare institution partnered as part of the global provider network, offering members access to top-tier medical care and specialized treatment.

Scale indicators16 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@BestDoctorsInsuranceworldwide
• Facebookfacebook.com/BestDoctorsInsuranceBDI
• LinkedInlinkedin.com/company/best-doctors-insurance
• Instagraminstagram.com/bestdoctorsinsurance
• Xx.com/BestDoctorsBDI

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Best Doctors Insurance