International Sante

What International Sante does

International Santé SARL (operating under the brand HealthForExpats for its English-language surface) is a Toulouse-based, ACPR-supervised insurance intermediary founded in 1995 that operates an online comparison platform for expatriate, traveler, student, and corporate international health insurance. The platform aggregates 523 formulas from 25 insurers including April, Cigna, Allianz Partners, Henner, Foyer Global Health, and the CFE, ranking them using a proprietary country-adjusted scoring algorithm developed over two years that evaluates coverage across four care families — hospitalization, generalists/specialists, other common medical expenses, and vision/dental — with scores recalculated per destination country using WHO health expenditure data, insurer statistics, and CFE reimbursement bases.

The business model is commission-based: the firm charges no fees to customers and earns referral fees and broker commissions from insurance carriers. Distribution is exclusively digital, combining a 2-minute self-serve comparison tool with a mandatory 10–30 minute advisor consultation that converts comparisons into bound policies. The platform serves customers across 200+ countries with localized sites for France, Belgium, and Switzerland and SEO-optimized pages for 55+ destinations; a Toulouse and Polynesia-based advisor team provides near-24-hour coverage. The product portfolio spans Assurance Expatrié (1+ year stays, primary segment), Assurance Entreprise (corporate group coverage), Assurance Voyageur (sub-1-year travelers), and Assurance Etudiant (students and PVT/WHV holders), supplemented by add-on modules including Bonus Emergency, Hospitalisation-Only, and CFE Complementary Insurance.

International Sante has accumulated 111,000+ cumulative comparisons (186,158 on the French site, 95,482 on the English site) with 1,000+ new monthly comparisons and a 4.9/5 Trustpilot rating across 3,471+ reviews. The firm reports a 1.6% non-renewal rate after one year. It is privately held with €20,000 registered capital, no disclosed institutional funding, and no parent company. Marketing is executed through content (blog/guides), country-specific SEO, social media (Facebook, Instagram, LinkedIn), video testimonials, and a structured referral program offering €150 per successful referral.

Name

International Sante

Legal name

International Santé SARL

Website

https://www.international-sante.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

International Santé is an ACPR-supervised French insurance broker operating an online comparison platform that aggregates 523 expatriate health insurance formulas from 25 insurers across 200+ countries, serving individual expatriates, students, travelers, and companies with international employees since 1995.

Ownership category

akta.pro rank

Product category

Expatriate Health Insurance Brokerage

NAICS

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

SIC

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

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Liability, Accident & Program Insurance (Institution/Provider Coverage) (EDAIAMAJ)

Keywords

• Expatriate health insurance
• Insurance comparison platform
• International health coverage
• Travel medical insurance
• Student health insurance

Headquarters

HQ city

Toulouse

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker commissions from insurers: International Sante earns commission on referrals and sales made with each insurer. The company explicitly states it charges no fees to customers — all revenue comes from insurance company partners.
2. Lead/referral fees: The company charges fees for referrals to insurers and for sales completed through the platform. This revenue has no impact on how insurance plans are ranked in comparisons.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

International Sante is an independent insurance broker that runs an online comparison platform letting expatriates, travelers, students, and businesses compare 523 health insurance formulas from 25 insurers across 200+ countries. Customers complete a 2-minute online comparison and then receive a personalized comparison via a 10-30 minute consultation with a human advisor; ongoing VIP advisor support is provided throughout the contract. The company earns revenue solely through referral commissions paid by partner insurers and charges no fees to customers.

Product overview

International Santé operates as an online insurance comparison platform for expatriates, offering four core insurance products: Assurance Expatrié for long-term stays (over 1 year), Assurance Entreprise for corporate clients, Assurance Voyageur for short-term travelers, and Assurance Etudiant for students and PVT holders. The platform aggregates 523 formulas from 25 insurers and uses an exclusive country-specific rating algorithm that evaluates coverage across hospitalization, general practitioners, specialists, optical, and dental care. Add-on services include hospitalization-only formulas, CFE complementary coverage, VIP advisor support, and a referral program. The service is available in multiple languages (French, English) and markets (France, Belgium, Switzerland).

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Expatrié (Expatriate Insurance) Long-term health insurance comparison tool for expatriates staying abroad more than one year. Aggregates 523 formulas from 25 insurers and uses an exclusive country-adjusted rating algorithm covering hospitalization, general practitioners, specialists, optical and dental care.
• Assurance Entreprise (Corporate Insurance) Health insurance solutions for companies with international employees and expatriate workers, covering both long-term assignments and temporary missions abroad.
• Assurance Voyageur (Travel Insurance) Short-term international health insurance for stays under one year, providing temporary medical coverage for travelers, tourists, and short-stay visitors abroad.
• Assurance Etudiant (Student Insurance) International health insurance for students studying abroad and PVT/WHV (Working Holiday Visa) holders, with 20+ special student packages compliant with university and visa requirements.
• CFE Complementary Insurance Insurance plans that supplement the CFE (Caisse des Français de l'Étranger) French Social Security scheme for expatriates, providing additional coverage beyond CFE reimbursements. Includes 176 CFE-approved offers for expats in Europe.
• Hospitalisation-Only Formulas Hospitalization-only coverage options to cover worst-case medical scenarios, providing access to top hospitals without large upfront payments or substantial deposits.
• Bonus Emergency Formula Economic formula for first-time expatriates covering emergencies for up to 18 months, which can transform into a complete expatriate insurance plan. Designed to help manage budget while remaining covered in case of emergencies.
• VIP Support Services Personalized advisor service throughout the contract duration, including help with insurer relations, claims management, defense of rights against insurers, and local healthcare system navigation.
• Referral Program (Parrainage) Referral program where existing customers receive €150 for each referred subscriber who signs up, while referred customers receive €70-250 cash back depending on their premium.

Quantifiable outcome

• Over 111,000+ expatriates have compared insurance through the platform, with 1,000+ new comparisons monthly
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Ten partnerships are on record, tiered minor.

• April InternationalminorOthersOne of 25 insurers featured in the online comparison tool. April International provides expatriate health insurance plans that are scored and compared on the platform. No exclusive or contractual relationship exists — any insurer can request inclusion.
• CFE (Caisse des Français de l'Étranger)minorOthersThe CFE is featured as a reference insurance option in the comparison. 86-176 CFE-approved plans are listed on the platform. CFE is the French Social Security scheme for expatriates, offering complementary coverage options.
• ACS AMIminorOthersInsurance provider featured in the comparison platform. ACS AMI offers expatriate health insurance solutions.
• HennerminorOthersInsurance provider featured in the comparison platform. Henner offers expatriate health insurance plans.
• Foyer Global HealthminorOthersInsurance provider featured in the comparison platform. Foyer Global Health offers international health insurance for expatriates.
• Swiss GlobalminorOthersInsurance provider featured in the comparison platform. Swiss Global offers expatriate health insurance.
• CignaminorOthersInsurance provider featured in the comparison platform. Cigna is a major international health insurer offering expatriate coverage.
• Allianz PartnersminorOthersInsurance provider featured in the comparison platform. Allianz Partners offers international health insurance for expatriates.
• Assur TravelminorOthersInsurance provider featured in the comparison platform, specializing in expatriate and travel health insurance. Positive customer reviews on the platform.
• Eugen (Expatrié)minorOthersEugen is a wholesaler broker offering expatriate health insurance underwritten by SwissLife, with claims managed by Owello. Featured on the platform with 3 plan options.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Henner: French insurance broker and group health insurer specializing in international and expatriate coverage, featured on International Sante's platform. Overlaps directly in serving French expatriates with similar advisory and product offerings.
• Wellaway: US-headquartered international health insurer serving expatriates and global citizens. Featured on International Sante's comparison platform and overlaps in product offering for English-speaking expatriates abroad.
• Chapka: French online broker specializing in expatriate and travel insurance, offering direct policy purchase and comparison similar to International Sante. One of the 25 insurers/aggregators featured on the International Sante platform, making it both a partner and competitor.
• April International: Major French-headquartered insurer providing expatriate health insurance plans, featured on the International Sante comparison platform. Also distributes directly to consumers, making it both partner and competitor in the French expatriate insurance market.
• PassportCard: International health insurance provider offering innovative payment-card based claims settlement for expatriates. Featured on International Sante's platform and competes for the same digitally-engaged expatriate customers.
• ACS (Assurances Conseils Services): French insurance broker specializing in expatriate and international health insurance for French citizens abroad. Featured on the International Sante platform, it offers similar advisory-led comparison services to the same target market.
• Foyer Global Health: Luxembourg-headquartered international health insurer specializing in expatriate coverage, featured on International Sante's comparison platform. Serves the same French-speaking expatriate segment with comparable products and direct digital sales.
• Santexpat.fr: French online insurance comparison site specializing in expatriate and international health insurance. Directly comparable niche broker serving French-speaking expatriates with similar comparison and advisory services.

Broad incumbents

• Allianz Care: International health insurer from the Allianz group serving expatriates globally, featured on International Sante's comparison platform. Operates direct digital sales channels and competes across the same expatriate insurance market.
• Cigna Global Health: One of the largest global health insurers serving expatriates and internationally mobile individuals. Featured on International Sante's platform, Cigna is also a major direct competitor with its own digital sales channels for international health insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/assurance.expatrie
• LinkedInlinkedin.com/company/international-sant%C3%A9/mycompany
• Instagraminstagram.com/internationalsante

Compliance4 records

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 International Sante