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Critical Illness Cover for Expats
Global Critical Illness Cover That Moves With You
Serious illness can disrupt even the best-laid financial plans. We provide globally mobile professionals with tailored Critical Illness advice to find cover that pays a tax-free lump sum upon diagnosis, ensuring you can fund treatment, cover living costs, and focus on recovery without financial anxiety.
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Benefits of Our Critical Illness Solutions
Benefits and product features can differ depending on your residency, occupation, and personal circumstances. We have whole‑of‑market access and will work with you to identify the most suitable solution based on your needs and the insurers available to you.
Immediate Liquidity
We help you secure policies that deliver a guaranteed lump-sum payout upon diagnosis. This capital provides an immediate financial buffer to pay off debts, cover rent, or replace lost income during recovery.
Supplementing Company Cover
Our advisers analyse your employer schemes to identify gaps in payout caps or territorial limits. We then recommend personal cover to ensure you are adequately protected, regardless of your employment status.
Portable Protection
Expat life involves movement. We select portable plans designed to travel with you, ensuring your protection remains valid whether you relocate to a new jurisdiction or return home.
Access to World-Class Care
The liquidity provided by our recommended plans gives you the financial freedom to fund medical treatments, specialist travel, or second opinions outside of your standard health insurance network.
Protecting Your Dependents
Serious illness impacts the whole family. We help you calculate the precise sum assured needed to cover school fees, mortgages, and lifestyle costs, maintaining stability for your partner and children.
Multi-Currency Options
To match your long-term liabilities, we source policies denominated in your preferred currency (GBP, USD, EUR), helping you mitigate exchange rate risks at a critical time.
Who This Service Is For?
01
You’re a globally mobile professional or parent whose employer’s Critical Illness cover feels thin, with low caps, gaps in covered conditions, or no children’s benefits. You want portable protection that stays with you across relocations.
02
You’re relocating in the next 12–24 months and want cross-border CI cover that won’t lapse when you change employers, visas, or jurisdictions, with a payout available in the currency you’ll actually spend.
03
You want the freedom to choose treatment anywhere, local, regional, or international, and need a lump-sum benefit that can fund bills, travel, specialist care, and 12–18 months of living costs while you recover.
04
You’re a senior or HNW executive with overlapping covers in different countries and want a single, portable CI structure that aligns beneficiaries, currencies, and tax considerations without administrative complexity.
05
You’re a single expat professional who values independence and wants a cost-efficient CI plan that protects rent, lifestyle, and savings if illness interrupts your income, without relying on employer terms or family support.
* Availability of cover, riders, and terms may vary based on your residency, underwriting outcome, and insurer selection.
How We Can Help You
Our Critical Illness Cover service is built for globally mobile professionals and families who need certainty, portability, and financial control. We tailor your coverage options to your goals, lifestyle, and cross-border realities. When you work with us, you’ll benefit from:
Portable, relocation-proof protection
Cover that stays with you wherever you move, independent of employer plans, visas, or jurisdiction changes.
Right-sized lump-sum planning
A structured benefit aligned to debts, living costs, education needs, and access to international treatment.
Multi-currency payout options
Choose the currency you’ll spend in, so medical bills, travel, and recovery costs never face a mismatch.
Children’s and family-focused cover
Optional riders for children’s CI, plus beneficiary alignment for cross-border estates.
Support navigating underwriting and exclusions
Pre-assessment, insurer selection, and clear guidance to secure the best available terms, especially if you have a family history or elevated risk.
Fast, compassionate claims support
A dedicated claims partner to help you access funds quickly when it matters most.
Advice that fits your wider financial plan
Integration with life cover, savings, and international tax considerations for a coherent global strategy.
Book Your Complimentary Call
In this free 15-minute call, we’ll assess whether Critical Illness Cover is the right fit for your situation as a globally mobile professional or family. We’ll:
- Review any employer cover you already have and identify gaps.
- Understand how to calculate an appropriate lump sum based on debts, living costs, schooling, and expected treatment or travel needs.
- Discuss portability, currency choices, and how your cover would function across future relocations.
Schedule Your Free Call Today
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