Affinity Scheme

AIMS – Affinity Scheme for Global Citizens

Living abroad, working across borders or spending months travelling should be exciting, not a source of anxiety about healthcare. AIMS is designed for people whose lives span multiple countries. Whether you’re an expatriate living in Asia, a consultant flying between Europe and the Middle East, or a retiree travelling the world, our affinity scheme offers comprehensive medical protection that follows you wherever you go.

Tailored Levels of Cover

Major Medical

This core level covers the big, unexpected events – emergency surgery, hospital treatment and serious illnesses. For example, if you’re working in Bangkok and are diagnosed with cancer or a chronic condition, AIMS refunds your major medical bills in ful

Major Medical Plus

In addition to hospital care, this level includes specialist consultations and prescribed medications. A marketing executive who spends half the year in Dubai and half in London can see a specialist overseas and pick up prescriptions without worrying about out‑of‑pocket costs.

Full Cover

For complete peace of mind, the full cover level adds routine check‑ups, ongoing medication and regular consultations. Families who live abroad for years can budget for everyday healthcare just like they would at home.

Coverage Built for International Living

With every level your cover moves with you, so there are no gaps when you change countries or take a temporary assignment

Why Choose AIMS?

AIMS combines the strengths of a comprehensive international plan with concierge‑level support. You get hospital, specialist and everyday medical cover anywhere in the world; hands‑on help with claims and administration; and significant savings on premiums. AIMS is offered exclusively through Cobalt – no other broker has access to this affinity scheme.

For nearly twenty years AIMS has served clients worldwide, and we work only with leading specialist medical insurers. Because AIMS is an exclusive group arrangement, membership is subject to application and acceptance – this ensures the scheme remains sustainable and benefits all members. When you live, work or travel abroad, AIMS gives you the confidence that your health is protected.

The AIMS Advantage

Group Discounts and Exclusive Rates

As an affinity scheme available only through Cobalt, AIMS pools members’ buying power to secure savings of up to 30 % on premiums—like having a corporate discount just for you.

Dedicated Support Every Step

From enrolment to claims, AIMS gives you a single point of contact who handles the paperwork and helps you find the right care wherever you are.

Flexible Payment and Currency Options

You can pay monthly, quarterly or annually in GBP, USD, EUR and other currencies, so your cover fits your life whether you’re at home or abroad.

Trusted by World-Leading Partners

“When my husband was diagnosed with a serious condition while we were based in Jakarta, Cobalt arranged specialist treatment in Singapore within 48 hours. Their team coordinated everything from medical reports to direct billing, allowing us to focus entirely on his recovery. The quality of care and support we received was outstanding.””

Expatriate Family, Indonesia

“As freelance consultants working across the Middle East, we needed health insurance that was both flexible and comprehensive. Cobalt designed coverage that works whether we’re in Dubai, Qatar, or Saudi Arabia, with access to the best private hospitals in each location. Their personal service makes all the difference.”

Independent Contractor, UAE

“After our previous insurer excluded our son’s chronic condition at renewal, we thought comprehensive family coverage was impossible. Cobalt found a specialist insurer who covered his condition from day one with no exclusions. Their expertise in complex medical cases was exactly what our family needed.”

Family, Malaysia

“When our daughter needed emergency surgery while studying in Australia, Cobalt coordinated everything – from specialist referrals to direct billing with the hospital. We never saw a single invoice or had to complete claim forms. Their support during a stressful time was exceptional, and we knew we’d made the right choice with our international health cover.”

Expatriate Family, Singapore

“Moving from London to Dubai with young children was daunting enough without worrying about healthcare. Cobalt arranged seamless coverage that works in both countries with access to the best private hospitals. When we relocated again to Hong Kong, our cover simply moved with us. No gaps, no complications, no stress.”

Expatriate Family, Hong Kong