ExpatMedicare

What ExpatMedicare is

ExpatMedicare is a broker, not an insurer. The footer on every page says "Expatmedicare is the brand name of Clema Risk Solutions Limited, an insurance brokerage company licensed in Hong Kong (license number FA2640)." The about page says "As licensed independent brokers, we have no allegiance to any single carrier," and that the firm has been working the global insurance market since 2001, combining "25 years of traditional brokerage expertise with modern, instant technology." The policies it arranges are issued by insurers. The homepage describes a step in which it auctions a buyer's anonymized profile "across global underwriters (Cigna, Bupa, Allianz, AXA)", and its cost guide says it compares 100+ IPMI plans across insurers including Bupa Global, Cigna Global, Allianz Care, AXA Global Healthcare and William Russell.

On regulation, the about page claims "Licensed compliance across MAS (Singapore), ORIAS (France), and insurance authorities across Europe, Asia-Pacific, and the Middle East." Its team listing describes the chief executive as an "ORIAS France / MAS Singapore Licensed Broker" and the Greater China general manager as a "CBIRC Registered Advisory Specialist". The homepage lists six hubs, Paris as European headquarters, Dubai, Shanghai, Hong Kong, Bangkok and Singapore as Asia-Pacific headquarters.

On money, the about page says: "Our consulting, policy comparison, and ongoing advocacy are 100% free of charge. You pay exact insurer direct rates with all our expert support included." A banner across the site offers a 10% discount for buying through its chatbot, Mira, which introduces itself as "your health plan advisor".

What it arranges

The medical insurance page groups what the brokerage places into four product types. International Private Medical Insurance (IPMI) is "full worldwide coverage (including or excluding the US) that stays with you even if you relocate to another country." Private Medical Insurance (PMI) is local cover for residents of a host country, aimed at private hospitals there without paying for global cover. The Voluntary Health Insurance Scheme (VHIS) is described as a government-certified policy with "Tax-deductible premiums (up to USD 1,000 per insured person per year) and guaranteed renewal up to age 100." Travel Health Insurance is a hybrid covering medical emergencies, hospital stays, trip cancellations and lost luggage for short trips. The same page says the plans it places give direct settlement at "over 1.5 million premier private hospitals and clinics" and a 24/7 medical concierge desk in English and French. The footer also lists life and protection cover, general insurance and a French expat solution built around the Caisse des Français de l'Étranger (CFE), which the about page describes as top-up coordination with national health systems.

The evacuation and repatriation page describes cover arranged through carriers: ground and air ambulance to the nearest facility able to treat the patient, medically escorted repatriation, translated medical records, travel and accommodation for a family member, an in-transit medical team and repatriation of remains. It says one call to a 24/7 assistance line starts the process and that the carrier's medical team decides, in consultation with the treating doctors, whether an evacuation is needed. The page states no cap on evacuation costs; its FAQ heading on caps shows no answer.

What its cost guide says about prices

ExpatMedicare publishes a 2026 cost guide, updated 2026-07-22, with benchmark annual premiums for comprehensive inpatient and outpatient cover across major expat destinations excluding US cover. These are averages the guide presents, not a quote for anyone: $1,500 to $2,400 a year for ages 20 to 29, $2,900 to $4,800 for ages 40 to 49 and $7,200 to $12,800 for ages 60 to 69. It says the average for an individual in their 30s or 40s is $1,800 to $5,500 a year, and that adding worldwide cover including the USA "typically increases annual premiums by 60% to 110%". It puts full outpatient cover at 30% to 50% on top of base premiums, a maternity rider at a "standard 10 to 24-month waiting period before conception" adding $1,500 to $3,500 a year, and says a $1,000 deductible "commonly reduces your annual premium by 15% to 25%". It explains the two underwriting routes: full medical underwriting, where the insurer assesses declared conditions upfront, and moratorium, where conditions from the previous 24 to 60 months are excluded until the buyer has been symptom- and treatment-free for a continuous 24 months. These describe the market in general; the actual terms come from the insurer quoted.

How buying, claims and renewal work

The homepage offers two starting points: an AI quote "in 10 seconds", or uploading an existing policy as a PDF or photo so the AI "reads your benefits, limits and exclusions, then compares them line by line against 100+ international plans", which takes "About 30 seconds" and is "Free, with no obligation". It then lays out four steps: needs scoping by licensed advisers covering residency, budget and pre-existing conditions; the anonymized carrier auction; an adviser consultation on outpatient cover, deductibles, maternity and direct-billing networks; and policy issuance with a digital membership card and visa compliance letter. A callback from "a licensed broker" via WhatsApp can be requested "in under 60 seconds". The homepage splits buyers into individuals and families, expats already abroad, companies and brokers, and seniors and retirees.

After the sale, clients get Fortress Wallet, a "Complimentary digital insurance portal included automatically with your ExpatMedicare policy" that stores policies, cards, claims documents and renewal information, with an AI assistant for questions on benefits, limits, exclusions and pre-authorization. The about page promises help with Guarantee of Payment letters before planned treatment, filing and disputing claims with the carrier, and a renewal review; the homepage says the broker "reshops the market 60 days before renewal." Claims are paid by the insurer, and the broker acts as the client's advocate.

For employers, the employee benefits page covers Singapore, Dubai and Shanghai, with Group Term Life, Group Critical Illness, Group Accident and Group Business Travel, Singapore Work Injury Compensation Act cover, a flexible-benefits portal and an employee assistance program run in partnership with The CareVoice.

Who it suits

ExpatMedicare fits a buyer who wants a fast AI-assisted first pass, a quote or a line-by-line check of an existing policy, followed by a human broker who stays involved through claims and renewals. Its hubs point to expats in Asia, the Middle East and France, including French citizens topping up the CFE, and it also handles group cover for employers there. Readers who want a specific insurer's price and benefit table on the page before engaging will find the site offers benchmark ranges and a quote flow rather than published plan terms.