The right insurance policy means that you never have to worry

It is by now commonly accepted that taking out insurance plans is the most sensible and prudent course of action in order to avoid a financial catastrophe in case of any unforeseen disasters. For individuals living in their home country this is usually a fairly straight-forward process, but it can be slightly more complicated for expats living outside their home jurisdiction.

This can be confounded even further when you are a transient individual who moves around different jurisdictions, either on a semi-permanent or temporary basis, and when you also have a family to consider. Another consideration which is only applicable to expats is the issue of home insurance since you may have to consider taking out cover for your belongings when moving abroad.

We have experts who can advise you on your insurance needs and then guide you on how best to protect yourself, your family and your possessions when living outside your home country. We have long-standing partnerships with some of the world’s foremost insurance brokers. We will consider your unique personal circumstances and then help you to identify and secure the most beneficial insurance plan for you.

Health Insurance
Most countries provide some sort of free medical care for residents, for example the NHS in the UK, while taking out a private health care policy is usually pretty straightforward. However, it can prove a lot more complicated as an expat living abroad since most countries do not offer free health care to non-residents, and, if they do, quite often it may be inadequate depending on the country. It is essential therefore that you take out a comprehensive insurance policy from a reputable firm and that you make sure that you are covered, not just in the country where you reside, but also in any country that you may visit in the future. We have partnerships with many of the world’s best and most reputable insurance brokers and we will help you to find the right one for you.
Life Insurance
The most important thing for most people is the wellbeing of your family and loved ones in the event of your passing. If you already have an insurance policy in place in your home country, it is imperative that you contact your insurance provider in order to ensure that you are still covered in your new jurisdiction. If you have not already taken out a life insurance policy and you are living abroad then it is important to consult with an experienced advisor in order to find a policy which will deal with your unique set of circumstances. You need to consider whether you wish to take out a normal Permanent Life Insurance, which remains in place for as long as you continue to pay your premiums, or a Term Insurance, which only covers you for a predetermined period of time. We have partnerships with many of the world’s most reputable life insurance providers and we can help to find the right one for you to give you peace of mind.
Home Insurance
Home insurance for expats can be complicated, either as a home owner or if you are renting, and it will vary from country to country. It is important to conduct some thorough research in order to understand the home insurance liabilities in your country of residence. You need to find and invest in an insurance policy which specifically deals with your unique personal situation and covers you and your possessions for any eventuality. When moving your belongings abroad, it is also important to not rely exclusively on the insurance policy of the shipping company and to also establish clarity in responsibility and accountability in the event of an accident. We can help you to find the right insurance company for your specific needs in order to give you peace of mind that your home and your possessions are sufficiently covered.

You need to consider

  • Choice of different payment plans
  • Cross-border portability
  • Specialist physician charges
  • Inclusion of any dependents
  • Optional Extras (like dental charges or terrorism-related injuries)


with one of our qualified experts.