What Expatpa does

ExpaTPA is an independent medical Third Party Administrator (TPA) purpose-built to serve the International Private Medical Insurance (IPMI) industry. Headquartered in Paris, France and structured as a Société par Actions Simplifiée (SAS) with €60,000 share capital, the company administers individual policies and corporate employee benefit programs on behalf of insurance companies and brokers selling medical insurance to expatriates and their families worldwide. The firm differentiates itself from carrier-affiliated TPAs by remaining structurally independent of any insurer.

The company's core offering is a multilingual, multicurrency ERP platform specifically designed for IPMI, supporting claims reimbursement in more than 130 currencies with a 3-day maximum claims adjudication SLA. Functional capabilities include policy and premium administration, enrollment, medical provider network access (including USA PPO Network Access), cashless service and direct billing via GOP/LOG, medical case management with 24/7 multilingual support, cost containment and patient steering, telemedicine, payment cards, and white-label platform deployment. The platform is delivered through web and mobile applications to end users (expatriate policyholders) while sold B2B to insurance carriers and brokers.

ExpaTPA generates revenue through managed-services fees from insurance carriers and broker intermediaries under quote-based, per-contract pricing. The company does not sell directly to end consumers but rather serves as the operational and technological backbone for IPMI products distributed through its B2B clients. The firm has 11-50 employees, no disclosed funding history, no public listing, and is GDPR-compliant with a registered Data Protection Officer. The only identified leadership figure is co-founder and managing director Sylvain Charpilienne.

Name

Expatpa

Legal name

ExpaTPA, Société par Actions Simplifiée de courtage d'assurances au capital de 60.000 Euros - 883 644 676 R.C.S. PARIS

Website

https://expatpa.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

ExpaTPA is an independent medical Third Party Administrator serving the IPMI industry, providing policy administration, claims adjudication, and worldwide provider network access to insurance companies and brokers selling medical insurance to expatriates globally.

Ownership category

akta.pro rank

Product category

Medical Third Party Administration (TPA) Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Provider Network Administration & Contracting (PPO Network Management) (HLAEALAE)

akta.pro secondary industries

International / Expat PPO Networks (HLAEANAM), International / Expatriate Group Health Plans (FSAIAFAJ), International/Expat Direct-to-Consumer Telehealth Platforms (HLALAAAG)

Keywords

• Medical third party administration
• International private medical insurance
• Claims adjudication services
• Multicurrency claims processing
• Expatriate health insurance administration

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Third Party Administration Services: ExpaTPA generates revenue by providing comprehensive Third Party Administration services to insurance companies and brokers in the IPMI industry. Services include policy administration, premium invoicing, claims adjudication, and medical case management. The company operates on a B2B model serving insurance carriers and broker intermediaries who then provide coverage to expatriate policyholders.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels2 records

Core offering

ExpaTPA is an independent medical Third Party Administrator that provides policy and premium administration, claims adjudication, letters of guarantee, and worldwide provider network access to insurance companies and brokers selling International Private Medical Insurance to expatriates. It also offers white-label web and mobile platforms, telemedicine, payment cards, multilingual customer support, and cost containment services, all powered by an IPMI-specific multilingual multicurrency ERP.

Product overview

ExpaTPA offers a single unified TPA platform for the International Private Medical Insurance (IPMI) industry. The platform encompasses policy and premium administration, claims administration and letters of guarantee, international provider networks, multilingual customer support, and a multilingual multicurrency ERP system. Services include 24/7 case management, cost containment, telemedicine, web and mobile applications, and white-label capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• ExpaTPA Medical TPA Platform Independent medical Third Party Administrator platform purpose-built for the IPMI industry, providing policy and premium administration, claims adjudication (3-day maximum), cashless service and direct billing, international provider network access (including USA PPO), 24/7 case management, cost containment, and multilingual customer support to insurance companies and brokers selling expatriate health insurance.
• Policy & Premium Administration Policy and premium administration service for IPMI insurers and brokers, covering medical selection, welcome pack and welcome call, local medical provider network, enrollment, premium invoicing and collection, recovery, and transfer/commissioning activities.
• Claims Administration & Letters of Guarantee Claims administration and letters of guarantee service delivered worldwide (including USA PPO network access) with multicurrency reimbursement across 130+ currencies, multilingual platform and staff, medical staff, web and mobile apps, and white-label deployment for insurers and brokers.
• IPMI Technology Platform (Multilingual Multicurrency ERP) Multilingual, multicurrency ERP technology platform specifically designed for IPMI, bundling worldwide cost containment, patient steering, payment cards, and telemedicine capabilities for insurance carriers and brokers.

Quantifiable outcome

• Claims adjudication completed within 3-day maximum turnaround
• +1 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature9 records

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Bupa Global: One of the world's largest IPMI insurers with captive TPA capabilities and global provider networks. While primarily an underwriter rather than a TPA partner, its vertical integration directly competes for the broker and corporate IPMI spend that ExpaTPA's customers ultimately distribute.
• International SOS: Global leader in medical and travel security assistance with extensive provider networks and case management capabilities. Larger and broader than ExpaTPA but competes for the same IPMI insurer outsourced-services wallet, particularly around international claims and assistance.
• GeoBlue (BCBSA licensee): US-licensed IPMI carrier with extensive Blue Cross Blue Shield PPO network access serving expatriate and global business travelers. Competes with ExpaTPA-partnered insurers in the US PPO access market and serves similar expatriate customer segments.

Emerging players

• Now Health International: Smaller-scale IPMI carrier with proprietary digital claims platform targeting globally mobile expatriates. Comparable in size and tech-forward positioning to ExpaTPA, and a potential customer/competitor depending on whether ExpaTPA positions as TPA partner or whether Now Health in-houses administration.

Regional players

• Henner Group: French international health insurance and benefits administrator with global provider networks and claims management capabilities for expatriate and corporate clients. Comparable as a French-based IPMI/Group Health administrator serving similar broker and corporate channels.
• April Assistance (April Group): French-headquartered IPMI insurer and assistance provider with its own TPA infrastructure serving expatriates globally with strong French/European market presence. Comparable French-rooted IPMI competitor with overlap in policy administration, claims, and provider network services.

Direct peers

• Healix International: International medical assistance and claims management provider serving insurers, brokers, and corporate clients with global medical case management. Comparable to ExpaTPA in offering cross-border claims administration, provider networks, and 24/7 multilingual medical support for expatriate populations.
• Charles Taylor TPA (Charles Taylor Group): Established global TPA providing claims administration, medical management, and cost containment services to insurers across multiple lines including international health. Competes directly with ExpaTPA for carrier and broker TP A mandates in IPMI and group international health.
• MAXIS Global Benefits Network: Global benefits network operator connecting insurers to deliver IPMI and group life/disability products across borders with shared administration infrastructure. Direct peer in the IPMI TPA and network management space with similar B2B carrier/broker go-to-market.
• Euro-Center (part of CEGEDIM Group): One of the largest independent medical TPAs serving the IPMI and travel assistance industry, offering claims administration, provider networks, and medical assistance globally. Direct competitor to ExpaTPA in the international medical TPA market with overlapping B2B carrier/broker customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/expats

Compliance1 record

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 Expatpa