Expatriate Healthcare

What Expatriate Healthcare does

Expatriate Healthcare is a UK-regulated specialist insurance intermediary focused exclusively on international insurance for expatriates, operating since 1997 under Strategic Insurance Services Limited (FCA Firm Reference Number 307133) and trading as Expatriate Group. The company distributes international health insurance (four tiers: Select, Primary+, Primary+ Lite, Primary with annual aggregate maximums up to £5,000,000), international travel insurance (single trip, annual multi-trip, Schengen-compliant), international term life insurance (Easy Life up to $500,000 and fully underwritten Term Life up to $6,500,000), income protection, and corporate group policies bundled with an Expat-Pay digital cashless service. Underwriting capacity is sourced from Lloyd's of London, Gen Re, SCOR, and Guardrisk (Mauritius PCC), with EU-resident policies issued via subsidiary Strategic Insurance Brokers (Cyprus) Ltd, regulated by the Cypriot Insurance Superintendent.

The technical platform is built around an online quote-and-purchase flow (quote.expatriatehealthcare.com) with instant cover activation, a proprietary expatriate.claims portal for digital claim submission and reimbursement tracking, direct-billing infrastructure at hospitals and clinics worldwide without a compulsory network, and multilingual 24/7 emergency assistance delivered through a third-party international assistance partner. Premiums are quoted and settled in GBP, USD, or EUR, and a no-claims Premium Rewards programme offers up to 20% renewal discount for three or more claim-free years.

The business model is a subscription-based insurance brokerage generating commission and fee income from individual expats, families, missionaries/volunteers, retirees, students, and corporate groups with three or more employees working abroad. Distribution is hybrid: a self-serve online funnel is paired with a registered broker/intermediary portal offering affiliate links and multi-currency commission settlement, while a dedicated corporate sales team handles bespoke group underwriting. The company holds offices in Shoreham-by-Sea (UK), Nicosia (Cyprus), and Kuala Lumpur (Malaysia), and operates within Specialist Risk Group, a UK insurance intermediary placing over £1.6 billion of premium annually across 120,000+ clients.

Name

Expatriate Healthcare

Legal name

Strategic Insurance Services Limited

Website

https://expatriatehealthcare.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Expatriate Healthcare is a UK-regulated specialist insurance intermediary providing international health, travel, life, and income protection insurance to expatriate individuals, families, and corporate clients across 180+ countries, distributed through a self-serve online platform, broker channel, and dedicated corporate sales team.

Ownership category

akta.pro rank

Product category

International Health Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industries

International / Expatriate Group Health Plans (FSAIAFAJ), Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• International health insurance
• Expat travel insurance
• Term life insurance
• Income protection insurance
• Corporate group insurance

Headquarters

HQ city

Haywards Heath

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. International Health Insurance Premiums: Annual renewable premiums for international private medical insurance (iPMI) covering inpatient, outpatient, dental, optical, and maternity care. Four plan tiers (Select, Primary+, Primary+ Lite, Primary) with varying benefit limits and excess options. Premiums can be paid in GBP, USD, or EUR. Premium Rewards programme offers up to 20% renewal discounts for claim-free years.
2. International Travel Insurance Premiums: Single trip, one-way, and annual multi-trip travel insurance policies sold to expatriates and non-resident travellers. Three plan tiers (Basic/Medical Evacuation, Standard/Enhanced Benefits, Comprehensive/Cancellation & Curtailment) with optional add-ons for winter sports, golf, and business equipment. Premiums are paid in full before the policy starts.
3. International Life Insurance Premiums: Term life insurance with two product variants: Easy Life (simplified, online, up to $500,000 cover, ages 18-49, terms 1-20 years) and Term Life (full underwriting, up to $6,500,000 cover, ages 18-70, terms 1-30 years). Both offer guaranteed premium and guaranteed cover for the policy term.
4. Income Protection Insurance Premiums: Income replacement insurance providing lump sums for accidental death or permanent disability (up to 10x gross annual salary, max £1 million), and weekly benefit payments for temporary total disability (starting day 31, up to 75% of gross salary, max 2 years). Available as Accident & Illness or Accident Only.
5. Corporate Group Health Insurance Premiums: Bundled corporate employee protection policies covering health insurance, business travel, income replacement, and Employee Assistance Programme under one central contract. Group discounts start at 3 employees. Underwriting options include Medical Histories Disregarded, Continuation of Previous Exclusions, or Moratorium. Supports short-term and rolling contracts.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels7 records

Core offering

Expatriate Healthcare provides international insurance products — health, travel, life, and income protection — designed specifically for expatriates living and working abroad. The company serves individuals, families, and corporate groups across 180+ countries with policies available in GBP, USD, and EUR. Underwriting capacity is sourced from Lloyd's of London, Gen Re, SCOR, and Guardrisk, with the company operating as a trading style of Strategic Insurance Services Limited (FCA-regulated, FRN 307133).

Product overview

Expatriate Healthcare operates as a multi-product insurance platform offering specialized coverage for expatriates, travellers, and businesses. The core portfolio consists of four main products: International Health Insurance (offering four plan tiers - Select, Primary+, Primary+ Lite, and Primary), International Travel Insurance (with variants including Travel Medical, Schengen, Business, Annual Multi-Trip, and specialized coverages), International Life Insurance (Easy Life and Term Life options), and Income Protection Insurance (with permanent and temporary disability coverage). Corporate clients access bundled solutions combining health, travel, and income protection through Corporate Health Insurance, with an Expat-Pay cashless payment option. The products are designed to work together, allowing individuals and families to layer coverage (e.g., combining health insurance with travel insurance for complete protection) while businesses can centralize multiple coverage types under one corporate policy. The company also offers short-term and working-abroad-specific variants of its health insurance for flexible coverage needs.

Differentiator

Problem solved

Functional benefit

Products and services

• International Health Insurance Comprehensive medical insurance for expatriates living and working abroad, covering inpatient, outpatient, dental, optical, maternity, and preventative care. Available in four plan tiers (Primary, Primary+ Lite, Primary+, Select) with annual aggregate maximums ranging from $1,000,000 to $5,000,000. No medical examination required, and immediate cover activation is available online.
• International Travel Insurance Flexible travel insurance for expatriates covering single trips, annual multi-trip, one-way travel, and Schengen visa-compliant plans. Available in three plan tiers (Basic/Medical Evacuation, Standard/Enhanced Benefits, Comprehensive/Cancellation & Curtailment) with optional add-ons for winter sports, golf, and business equipment. Covers emergency medical treatment up to €1,000,000.
• International Life Insurance Term life insurance for expatriates providing financial protection for families with death benefits payable worldwide. Two variants: Easy Life (simplified online application, ages 18-49, up to $500,000 cover, terms 1-20 years) and Term Life (full underwriting, ages 18-70, up to $6,500,000 cover, terms 1-30 years). Both offer guaranteed premium and guaranteed cover for the policy term. Available in up to 171 countries of residence.
• Income Protection Insurance Income replacement coverage protecting expatriates against accidental death, permanent disablement, and temporary disablement. Available as Accident & Illness or Accident Only. Lump sum payment up to 10x gross annual salary (max £1 million) for permanent disability, and weekly benefit payments up to 75% of gross salary for up to 2 years for temporary total disability.
• Corporate Health Insurance Bundled employee protection solution for companies with 3 or more employees working abroad, combining health insurance, business travel, income replacement, and Employee Assistance Programme under one central contract. Includes the Expat-Pay digital cashless payment service for medical treatment. Underwriting options include Medical Histories Disregarded, Continuation of Previous Exclusions, or Moratorium. Supports short-term and rolling contracts.

Quantifiable outcome

• Up to 20% discount on renewal premiums for 3+ years claim-free (Premium Rewards programme)
• +4 more outcomes

Named customers12 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Five partnerships are on record, tiered core.

• Lloyd's of LondoncoreOthersOne of several international capacity providers used by Expatriate Group for underwriting risk. Lloyd's of London provides underwriting capacity and licensing for insurance products underwritten as part of the Expatriate Group brand. The company works with multiple capacity providers to ensure relevant knowledge, experience, and licensing is utilised for all underwritten risks.
• Gen RecoreOthersInternational reinsurance capacity provider supporting Expatriate Group's insurance products. Gen Re (General Reinsurance) provides underwriting capacity and risk management expertise as part of the multi-provider capacity structure used by Expatriate Group.
• SCORcoreOthersInternational reinsurance group providing underwriting capacity for Expatriate Group's insurance products. SCOR is one of several global capacity providers that enable Expatriate Group to underwrite risks across multiple jurisdictions and product lines.
• Guardrisk Insurance company Mauritius Ltd PCCcoreOthersInternational capacity provider providing underwriting support for Expatriate Group's insurance products. Guardrisk is a specialist insurance and reinsurance provider with operations in Mauritius, supporting the company's international product offerings.
• Specialist Risk Group (SRG)coreOthersParent company of Strategic Insurance Services Limited (SISL), which trades as Expatriate Healthcare and Expatriate Group. SRG is one of the fastest-growing insurance intermediaries in the UK, placing £1.6 billion of premium into the global insurance market annually and serving more than 120,000 clients. The SRG affiliation provides distribution scale and financial backing.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Cigna Global Health Benefits: Cigna Global Health Benefits offers international private medical insurance, life, and travel cover to expats and multinational employers worldwide. As one of the largest globally integrated health insurers, it competes head-on with Expatriate Healthcare on expatriate and corporate group health, with broader scale and direct underwriting.
• GeoBlue: GeoBlue provides international health and travel medical insurance products designed for expatriates, frequent travellers, and globally mobile professionals, with direct billing networks in many countries. It competes directly with Expatriate Healthcare's travel and international health offerings.
• Bupa Global: Bupa Global is a major international health insurer offering private medical insurance to expatriates, students, and globally mobile individuals in multiple regions. It overlaps directly with Expatriate Healthcare's individual and corporate health plans and competes on geographic coverage and brand trust.
• Now Health International: Now Health International is a UK-headquartered iPMI provider offering international health insurance plans to individuals, families, and corporates across multiple regions. It directly competes with Expatriate Healthcare on plan tiers, geographic reach, and target segments (expats, SMEs, families).
• Allianz Care: Allianz Care provides international health, life, and disability insurance products for expatriates, students, and corporate clients globally. It directly competes with Expatriate Healthcare across individual expat health and corporate group plans with a comparable tiered product structure.
• AXA Global Healthcare: AXA Global Healthcare is the international health arm of AXA offering private medical insurance to individuals and corporate clients around the world. It is a broad incumbent competitor across the same expat and corporate buyer segments that Expatriate Healthcare serves.
• Aetna International (CVS Health): Aetna International is a major international health and benefits provider serving expatriates, multinational employers, and individual globally mobile customers. It is a broad incumbent peer offering comparable individual and group health plans to the same expat buyer segments.
• William Russell: William Russell is a UK-based specialist insurer focused on international health, life, and income protection for expatriates and globally mobile individuals. It mirrors Expatriate Healthcare's expat-only focus, multi-product platform, and tiered health plan structure, making it one of the closest comparable peers.
• IMG (International Medical Group): IMG provides international private medical insurance, travel medical, and group benefits plans targeted at expatriates, missionaries, students, and globally mobile individuals. It competes directly with Expatriate Healthcare on expat-specific plans and on group/affinity distribution.

Emerging players

• SafetyWing: SafetyWing is a digitally native insurance provider offering global health and travel cover aimed at digital nomads, remote workers, and startups. It targets a younger, more globally mobile buyer with subscription-based, app-led distribution, making it an emerging adjacent competitor to Expatriate Healthcare's expat and traveller segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/expathealthcare
• Facebookfacebook.com/expathealthcare

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Expatriate Healthcare