Expat & Co provides modular, cross‑border insurance for expatriates, international students, au‑pairs, EU officials and long‑term travelers. Its Chameleon Principle automatically aligns coverage with the holder’s current social‑security system, allowing seamless switches between full, top‑up or sleeper modes, while an online portal delivers instant quotes, 24/7 multilingual assistance and claims settlement within ten days.
Funding
Funding not disclosed
Founders
Product
Problem
Individuals relocating across borders—expatriates, international students, au‑pairs, EU officials, and long‑term travelers—often struggle to obtain insurance that matches their specific residency, employment, and social‑security situation. Conventional policies can lead to duplicate coverage, gaps in medical or liability protection, and cumbersome claim processes when moving between countries.
Solution
Expat & Co delivers modular, “smart” insurance plans that are purpose‑built for global citizens. The Chameleon Principle automatically aligns the policy with the holder’s current social‑security system, allowing seamless transitions between full coverage, top‑up, or sleeper mode without paying twice. Core modules cover medical treatment, emergency assistance, personal protection, income protection, liability, and personal belongings, and can be combined to suit any duration or risk profile. Policies are issued online, priced instantly, and managed through a multilingual 24/7 support centre that prioritises complete claim files for settlement within ten days. This flexible, transparent approach lets customers maintain continuous, appropriate protection wherever they live or work.
Target Audience
Primary customers are expatriates, international students, au‑pairs, EU civil servants, and long‑term business or leisure travelers who require adaptable health, liability, and personal‑property coverage across multiple jurisdictions.
Features
- Chameleon Principle: dynamic adaptation to over 15 national social‑security schemes, enabling top‑up or full‑cover configurations without duplicate premiums.
- Modular architecture: six optional modules (Medical Treatment, Assistance, Personal Protection, Income Protection, Belongings, Liability) that can be added or removed on demand.
- Tailored product lines: Expat Insurance, Europat Insurance for EU officials, Student & Au‑Pair Insurance, Business Traveller and Globi (mid‑to‑long‑term travel) plans.
- Online quote and purchase portal with instant premium calculation and secure payment integration.
- Multilingual 24/7 alarm centre offering emergency medical coordination, repatriation, and real‑time assistance.
- Streamlined claims workflow: digital claim forms, requirement for complete, chronological documentation, and priority processing within 10 business days.
- Centralized policy management from Belgium, providing a single point of contact for all cross‑border insurance needs.