👉 Why the “perfect” International Health Insurance doesn’t exist ?

When an expatriate starts looking for international health insurance, the same question always comes up:
“Which is the best plan?”

The reality is simple: there is no universal perfect policy, but there is the right solution for each individual situation.

🎯 Insurance built around needs — not one-size-fits-all products

Unlike standardized local insurance plans, international health insurance is based on a tailor-made approach.
The goal is not to offer the most expensive or most comprehensive coverage, but the most relevant coverage for your personal situation.

Every expat has different priorities:

• Some need worldwide coverage including the USA

• Others only need regional coverage (Asia, Europe, etc.)

• Some prioritize access to top private hospitals

• Others focus on finding the best balance between protection and budget

👉 The right plan is the one that protects you properly without paying for unnecessary benefits.

📊 Why no two expats ever pay the same price

It’s important to understand that insurance premiums are never random.

They are calculated based on multiple key factors:

• Age

• Country of residence

• Coverage area (Asia only, Worldwide excluding USA, Worldwide including USA)

• Level of benefits selected

• Deductible chosen

• Medical history (when applicable)

• Optional benefits (maternity, dental, optical, premium evacuation, etc.)

👉 That’s why two neighbors living in the same country can have very different policies and prices, while both remain properly insured.

🧩 The broker’s role: building the right combination

Our job is not to sell “the most expensive plan” or “the most popular product”.

Our role is to:

• Understand your personal situation

• Identify your real risks

• Match coverage to your lifestyle

• Optimize your budget

• Prevent unpleasant surprises when a claim happens

A good insurance plan is not the one you notice when you sign up — it’s the one that works perfectly when you actually need it.

✅ Final thought

If you are an expat, don’t look for the “perfect” insurance plan.

Look for the one that fits your reality.

Because when it comes to health protection, personalization is the best coverage.