Expacare

What Expacare does

Expacare Limited is a UK-based managing general agent (MGA) specializing in international private medical insurance (IPMI) for expatriates, international students, and globally-mobile corporate clients. Founded in 1984 and headquartered in Bracknell, England, the company is authorised and regulated by the Financial Conduct Authority and operates as a 11-50-person specialist that designs, prices, and administers health insurance products while relying on third-party underwriters (Tokio Marine & Nichido Fire Insurance for UAE, Assurex for Lebanon, with Lloyd's referenced for escalation) and regional partners for claims administration, cashless provider networks, and emergency assistance (Healix globally, MedNet in UAE, Air Health International in Sub-Saharan Africa, GlobeMed in Lebanon, Fullerton Health in Indonesia). The company does not operate proprietary technology platforms; payment processing runs on WorldPay and member-facing systems are delivered via partner portals. Its product portfolio centers on the modular 'Choices' plan, augmented by demographic-specific offerings (Young Traveller, Young Traveller PLUS, International Students), corporate tiers (Corporate Advantage for 1-4 employees, Book Rated for 5-29, Tailor Made for 30+), and country-specific plans for Dubai (DHA-compliant), Lebanon (Securus four-tier), Africa, Southeast Asia (11-country), and the Channel Islands. Coverage extends to 100+ countries with 24/7 multilingual support in 30+ languages.

Expacare generates revenue through commissions on annual premiums it administers, priced by age bands, geographic scope, chosen benefit levels, and currency (GBP/USD/EUR), with optional instalment billing (semi-annual carries 2% admin charge; quarterly carries 4%). A Lifestyle Rewards program discounts premiums up to 25% for healthy-lifestyle policyholders. Go-to-market is hybrid: direct sales via website quote requests and a UK-based sales/claims call center, plus a long-established broker and intermediary network with a dedicated broker portal, commission structure, and co-marketing support. The company is a member of the Association of International Medical Insurance Providers (AIMIP), an industry advisory body, and is GDPR-compliant under UK data protection law. Customer concentration is dispersed across nine named segments with no disclosed enterprise anchor accounts, implying a long-tail book of recurring annual premiums.

Name

Expacare

Legal name

Expacare Limited

Website

https://expacare.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

Expacare is a UK-regulated managing general agent specializing in international private medical insurance for expatriates, globally-mobile corporate groups, and international students, operating across 100+ countries with modular Choices plans and regional underwriting partners since 1984.

Ownership category

akta.pro rank

Product category

International Private Medical Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Other Insurance Related Activities (52429), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

International / Expatriate Group Health Plans (FSAIAFAJ)

akta.pro secondary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

Keywords

• International health insurance
• Private medical insurance
• Expatriate insurance plans
• Group medical insurance
• Medical evacuation coverage

Headquarters

HQ city

Bracknell

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Expacare generates revenue through annual insurance premiums paid by policyholders. Premiums are calculated based on age bands, geographic area of cover, chosen benefit levels, and currency (GBP, USD, EUR). The company offers multiple payment options including annual, semi-annual (with 2% admin charge), and quarterly (with 4% admin charge) instalments.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Expacare designs, distributes, and administers international private medical insurance (IPMI) plans for expatriate individuals, families, students, and globally mobile corporate groups. The core product is the modular Choices plan, with regional variants for Dubai, Africa, Southeast Asia, Lebanon (Securus), and the Channel Islands, supplemented by demographic-specific plans (Young Traveller, International Students) and tiered group schemes (Corporate Advantage 1-4 employees, Book Rated 5-29, Tailor Made 30+). All plans include automatic emergency medical evacuation and 24/7 multilingual assistance, delivered through partner networks while Expacare acts as managing general agent under FCA regulation.

Product overview

Expacare is a specialist international private medical insurance provider offering a portfolio of modular health insurance plans. The core product is the Choices plan with customizable modules for outpatient, cancer/chronic, maternity, dental, wellness, and optical coverage. The portfolio includes country-specific plans (Dubai Choices, Africa Choices, Islands Choices, Southeast Asia Plan, and Securus plans for Lebanon), demographic-specific plans (Young Traveller, Young Traveller PLUS, International Students), and group plans (Corporate Advantage for 1-4 employees, Choices Corporate Advantage for 5-29 employees, Tailor Made for 30+ employees, and Africa Corporate Plan). All plans include emergency medical evacuation coverage and 24/7 global assistance through partners like Healix, MedNet, Air Health International, and GlobeMed.

Differentiator

Problem solved

Functional benefit

Products and services

• Choices (Individual & Family) Modular international private medical insurance plan for individual expatriates and families, with a core inpatient/day-patient module plus optional add-ons for outpatient, cancer and chronic illness, maternity, dental, wellness, and optical coverage. Includes automatic emergency medical evacuation and 24/7 multilingual global assistance.
• Young Traveller Entry-level health insurance plan for travellers and students aged 12-24 covering worldwide (excluding USA, Bermuda, and Caribbean), including emergency evacuation, ambulance services, and cancer/chronic illness benefits up to USD 85,000 lifetime.
• Young Traveller PLUS Enhanced version of Young Traveller that adds outpatient benefits including doctor consultations, prescription drugs, and physiotherapy, with full refund coverage for cancer and chronic illness for ages 12-24.
• Corporate Advantage Plan Simplified medical underwriting group health insurance plan for companies of 1-4 employees, offering a single package of benefits with optional add-on modules covering cancer, chronic illness, outpatient, maternity, dental, wellness, and optical coverage.
• Choices Book Rated Scheme Book-rated group health insurance scheme for companies with 5-29 employees, with no medical underwriting required at enrollment and a modular approach to selecting benefits.
• Tailor Made Plan Bespoke international health insurance plan for corporate groups of 30+ employees, with customized benefits, specialized areas of cover, and bespoke direct billing networks designed to the employer's requirements.
• Dubai Choices DHA-compliant international health insurance plan for Dubai residents meeting UAE residency visa requirements, insured by Tokio Marine & Nichido Fire Insurance Co. with claims administered by MedNet via cashless services network.
• Corporate Advantage Plan - UAE Discounted corporate health insurance plan for UAE with Silver network options providing access to professional medical care at more affordable premium rates for companies operating in the UAE market.
• Africa Choices Flexible international health insurance plan for individuals, families, and groups in Sub-Saharan Africa, with no restrictions on choice of doctor or medical facility and 24-hour emergency case management via Air Health International.
• Africa Corporate Plan Group health insurance for companies of 30+ employees in Africa, covering both expatriate and local staff on a Medical History Disregarded (MHD) basis, with Primary, Classic, and Enhanced coverage levels.
• Islands Choices Health insurance plan for residents of Jersey or Guernsey with access to treatment across the Islands, UK mainland, and internationally, with optional dental, wellness, optical, and GP fee coverage.
• Southeast Asia Plan Comprehensive international health insurance plan covering 11 Southeast Asian countries (Brunei, Cambodia, Christmas Island, E. Timor, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam) with modular benefits including core inpatient/day-patient, cancer/chronic, outpatient, dental, wellness, optical, and maternity coverage.
• Securus Plans (Lebanon) Lebanon health insurance plans offered under license by Assurex Insurance and delivered by Kapital Builders, comprising four tiers: Securus Ultracare (most comprehensive: hospital, outpatient, cancer, chronic, dental, maternity, wellness), Securus Extensivecare (full refund hospital and cancer with outpatient), Securus Essentialcare (hospital treatment with A&E, MRI, CT, PET scans), and Securus Supercare (low-cost top-up plan with planned excess). Includes medical evacuation coverage and GlobeMed emergency assistance.
• International Students Plan Discounted international health insurance for students studying abroad, starting with a Core module and offering add-ons for outpatient, cancer/chronic, maternity, dental, wellness, and optical coverage, with Lifestyle Rewards up to 25% premium discount.

Quantifiable outcome

• Up to 25% discount on premiums through Lifestyle Rewards program
• +2 more outcomes

Named customers5 records

Segments9 records

Ideal customer profiles8 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

Eleven partnerships are on record, tiered core and secondary.

• MedNetcoreChannel Partner/ Reseller/ DistributorMedNet is the claims administrator for Expacare's UAE policies, providing cashless services through their provider network in Dubai and the UAE. They handle local claims processing, member support, and coordinate with Tokio Marine & Nichido Fire Insurance Co. (the UAE insurer). MedNet logo appears on membership cards for Middle East plan holders.
• HealixcoreTechnology or IntegrationHealix provides 24-hour emergency medical assistance and case management worldwide for Expacare members. Contact number +44 (0)1344 233911 for emergency evacuation and medical advice. Healix coordinates emergency services globally as the primary emergency assistance provider.
• Air Health InternationalcoreTechnology or IntegrationAir Health International based in Johannesburg provides 24-hour emergency and case management for Sub-Saharan Africa. They coordinate air and road evacuations, provide local emergency contact numbers in South Africa, Zimbabwe, Zambia, and Malawi, and have service level agreements with major hospitals in the region.
• GlobeMed LebanoncoreChannel Partner/ Reseller/ DistributorGlobeMed provides emergency assistance and claims support for Expacare members in Lebanon. Contact details include phone +961 1 518456 and WhatsApp +961 71 801776. They support the Securus plan offerings in the Lebanon market.
• Fullerton Health Indonesia GroupcoreChannel Partner/ Reseller/ DistributorFullerton Health Indonesia Group provides local claims handling for Expacare's Indonesian plan. Located at CIBIS Nine Building, Jakarta, with 24/7 support provided through Global Assistance and Healthcare. Handles claims processing and local service delivery for Southeast Asia plan holders.
• Health International ZambiasecondaryTechnology or IntegrationHealth International Zambia is one of the 24-hour case management providers for the Africa region, working alongside Air Health International to coordinate emergency evacuations and provide medical support across Sub-Saharan Africa.
• Tokio Marine & Nichido Fire Insurance Co.coreOEM/ Whitelabel/ Licensing PartnerTokio Marine & Nichido Fire Insurance Co. (TMNF) is the insurer for Expacare's Dubai plans. Expacare designs and administers the plans under FCA regulation, while TMNF provides the insurance backing and DHA compliance for UAE residency requirements.
• Assurex InsurancecoreOEM/ Whitelabel/ Licensing PartnerAssurex Insurance is the licensed insurer for Expacare's Securus plans in Lebanon. Expacare plans are offered under license by Assurex Insurance and delivered exclusively by Kapital Builders in the Lebanon market.
• Kapital BuilderscoreChannel Partner/ Reseller/ DistributorKapital Builders is the exclusive delivery partner for Expacare's Securus plans in Lebanon, offered under Assurex Insurance license. They provide local sales, customer service, and support for Lebanon health insurance plans. Contact: +9611 215 844 or [email protected]
• AIMIP (Association of International Medical Insurance Providers)secondaryOthersAIMIP is an industry advisory body that provides guidance on international product development, claims management, fraud prevention, regulatory issues, technical advice, and training requirements. Expacare is a member, utilizing AIMIP resources for broker, intermediary, and partner company education.
• WorldPaysecondaryTechnology or IntegrationWorldPay processes online credit and debit card payments for Expacare premiums. Supports Visa, MasterCard, and American Express (for GBP/USD only with processing fees of 1.7% for GBP and 3.2% for USD). Secure payment gateway for policy premium payments.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Now Health International: Now Health International is a specialist IPMI provider focused on expatriate and international individual/group health insurance. Closely comparable to Expacare in target customer (expatriates), modular product design, and use of regional partners for claims handling.
• William Russell: William Russell is a specialist international health, life and income protection insurer for expatriates and globally mobile individuals. Comparable as a direct specialist IPMI peer with similar expatriate focus, modular plans, and broker-led distribution.
• GeoBlue Voyager / Integra Global: Integra Global is a specialist international health insurance provider for expatriates and globally mobile individuals and groups. Comparable as a direct peer in expatriate IPMI with similar modular plan design and broker-led distribution model.
• GeoBlue (Blue Cross Blue Shield): GeoBlue provides international health insurance for expatriates, travelers and globally mobile individuals, primarily tied to the US market. Comparable as a direct specialist peer in expatriate IPMI with similar modular plan architecture and global provider networks.
• IMG Global Medical Insurance: IMG (International Medical Group) offers a portfolio of international medical insurance products for individuals, families, and groups traveling or living abroad. Comparable as a direct specialist IPMI peer targeting expatriates and international students with similar modular and country-specific products.

Broad incumbents

• Cigna Global Health Benefits: Cigna Global is a major international health insurance provider serving expatriate and globally mobile employees of multinational corporations. A broader incumbent offering IPMI as part of a global portfolio but competing directly for the same group/individual expatriate customers Expacare targets.
• Bupa Global: Bupa Global is the international health insurance arm of Bupa, serving individuals, families and corporate groups living abroad. Comparable as a broad incumbent in IPMI with significantly larger scale and proprietary infrastructure, competing head-to-head with Expacare in many expatriate segments.
• AXA Global Healthcare: AXA Global Healthcare is the international health insurance arm of AXA, serving individuals and corporate groups abroad. Comparable as a broad incumbent IPMI provider with corporate group schemes and individual plans overlapping Expacare's offerings.
• Allianz Care: Allianz Care provides international health insurance for individuals, families and corporate clients globally. Comparable as a broad incumbent IPMI competitor with deep multinational corporate relationships and a wide range of plans overlapping with Expacare's portfolio.
• Aetna International (CVS Health): Aetna International provides international health insurance and expatriate benefits to individuals and corporate clients worldwide. Comparable as a broad incumbent IPMI competitor with substantial corporate group capabilities overlapping with Expacare's group/company plans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

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• Xx.com/Expacare

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

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 Expacare