Founded in 1982 and part of Jardine Lloyd Thompson Group, Expacare is one of the world’s longest established international health insurance organisations. They understand the needs of people with international lifestyles, which is why they are committed to providing a high level of reliable medical cover, whether you are looking for individual, family, group or company cover.

Their healthcare solutions are both flexible and offer a host of benefits to suit people of all nationalities living in over 140 countries around the world. With a wide range of plans to suit different requirements, Expacare can help you prepare for any eventuality when living and working abroad that your family, employees or company can rely on. Their plans are both flexible and offer a host of benefits that help you prepare for any eventuality when living and working abroad.

“Choices” offers individuals and their family the ability to choose an international medical insurance solution that best meets their needs. “Choices” is a flexible modular product with ‘Lifestyle rewards’ that give the opportunity to reduce premiums as a reward for leading a healthy lifestyle. “Choices” plans consist of a compulsory core module to which additional optional benefits can be added allowing you to select the cover that is right for you.

Choices Core Plan offers inpatient treatment, emergency medical evacuation, out patient surgery and other benefits that you would expect to see in a standard plan. However, to create the right cover to suit your needs, you can extend the Choices plan by adding benefits from the following options:

  • Choices option 1 – Cancer treatment and chronic care: you can decide whether you want full cover, restricted cover or no cover.
  • Choices option 2 – Out-patient treatment: 5 levels of out-patient cover from no cover to a full refund option.
  • Choices option 3 – Additional benefits: including routine dental treatment, wellness benefit, optical cover and maternity care.

Cover is offered on a Full Medical Underwriting basis, where upon completion of a specifically designed medical questionnaire, we will assess an individual’s pre-existing medical history and apply exclusions as/if necessary. Alternatively, we may decline to offer international health insurance cover altogether.

A truly flexible product for groups who require cover for in excess of 30 employees.

For groups in excess of 30 employees we recognise the need to provide a truly flexible and bespoke Tailor Made product solution. Our plan gives us the ability to provide you with a benefit solution that matches the flexibility that both suits your business, as well as giving your employees a benefit that they will value.

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong