We are an FCA-authorised UK brokerage specialising in international health, life, and personal accident cover. With our concierge, client-first approach, we do more than find you a policy – we become your trusted partner in navigating the complex world of insurance.
We deliver bespoke coverage with clarity, compassion, and unwavering support so you can live confidently across borders.
We believe insurance is personal. Each client has unique needs, especially abroad. That’s why we provide concierge-style service instead of one-size-fits-all solutions. We take the time to truly know you – your circumstances, priorities, and concerns. Whether you’re an individual expat, a family relocating, or a company protecting employees, we tailor coverage to fit you perfectly.
From day one, your needs drive everything we do. We listen closely and then craft insurance options around your life – not the other way around.
Consider us your personal insurance assistant. Need help with paperwork or have a coverage question? We handle the details so you don’t have to. Our team is a phone call or email away for anything from queries to urgent claims.
Insurance is complex at the best of times; across multiple countries it can be overwhelming. With decades of global insurance experience and first-hand insight from living abroad, we understand the cross-border challenges you face. We know healthcare systems and insurance rules across the world and coordinate your cover to work seamlessly worldwide.
We make sure your policy travels with you. If you relocate or have family across borders, your protection moves too, adapting to new countries or situations.
Having lived abroad ourselves, we anticipate expats’ concerns – from ensuring a policy stays valid overseas to advising on local care – so there are no surprises when you need to use your coverage.
Whether you’re relocating, traveling, or living long-term abroad, your insurance should move with you. Let us help you stay protected—no matter where life takes you.
Trust is at the heart of what we do. As an independent brokerage authorised and regulated by the FCA, Cobalt always puts your interests first. We aren’t tied to any insurer, so our advice is unbiased and focused on what’s best for you.
We partner with leading international insurers, scanning the whole market to find the ideal policy and negotiate the best terms.
Our business is built on integrity and transparency. We explain everything in plain English with no jargon and no small print. You’ll know exactly what you’re getting and what it costs. If you ever need to make a claim or adjust your cover, we’re by your side throughout.
Insurance needs evolve as life changes. We offer a full spectrum of international insurance solutions, each tailored to fit your current stage of life or business. Whether you’re arranging health cover for your family or strengthening employee benefits, we ensure you have the right protection at the right time.
Private medical cover for you and your family, ensuring quick access to quality healthcare wherever you go.
Comprehensive employee benefit packages to care for your team’s well-being, at home or overseas.
A safety net against serious injury or accidents worldwide, providing financial support when the unexpected happens.
Financial protection for your loved ones, tailored to an international lifestyle so they’re secure no matter where life takes you.
At Cobalt Health & Life, we blend expertise, personal attention and genuine
care to deliver lasting peace of mind. Behind every policy is a person with responsibilities and dreams, and our mission is to safeguard them with unwavering support and guidance.
Ready to secure your health and future with confidence? Contact Cobalt Health & Life today to learn how we can provide the security and peace of mind you and your loved ones deserve. Wherever you are, we’ll be by your side every step of the way.
