Individual Health Insurance

Your Family's Health Deserves More Than Standard Cover

Living abroad with your family should be an adventure, not a worry about healthcare quality or access. For expatriate families who refuse to compromise on medical care, Cobalt delivers truly exceptional international health insurance with the personal attention and expert guidance your family deserves.

Our founder Adam Paice spent over a decade living and working across Asia, including extensive time in Hong Kong and Thailand. He understands firsthand the healthcare challenges expatriate families face—from navigating unfamiliar medical systems to ensuring children receive appropriate care while studying abroad. This personal experience, combined with 40 years of specialist expertise, means we anticipate concerns before they arise and provide solutions that work in the real world.

Why Families Choose Premium International Health Cover

Access to the Best Medical Care

Your family deserves access to top-tier medical facilities, leading specialists, and the latest treatments—wherever you are in the world. Premium international health insurance gets you into private hospitals, renowned cancer centers, and specialist consultants that basic policies can’t reach. Whether it’s a routine check-up or major surgery, your family receives the quality of care you expect.

Personal Support When You Need It

Healthcare abroad shouldn’t mean fighting with insurance companies or struggling through foreign medical systems on your own. With premium cover and our hands-on service, you get dedicated support that handles all the details—from finding the right specialist in any country to arranging emergency medical transport when local care isn’t good enough. You can focus on your family while we handle everything else.

Coverage That Moves With Your Family

Whether you’re based in Singapore, relocating to Geneva, or your children are studying in London, your health cover travels with your family without interruption. No gaps when you move countries, no restrictions on where you can get treatment, no worries about existing health conditions being excluded. Your family has access to excellent healthcare wherever you are.

Coverage Built for International Living

International executives, entrepreneurs, and their families face different health challenges than people who stay in one country. Premium cover includes essential benefits that basic policies don’t offer—private air ambulance services, access to the newest treatments, coverage for adventure sports and travel, and comprehensive mental health support. Your coverage works for the way your family actually lives.

How We Work With You

Understanding Your Family's Needs

We start by getting to know your family’s specific health needs, lifestyle, preferred doctors and hospitals, and budget. Our decades of experience with expatriate families means we immediately spot things that other brokers miss—like school health requirements or executive health screening needs.

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Access to the Best Insurance Options

Through our relationships with top insurers and Lloyd’s market access, we find coverage that you simply can’t get elsewhere. We negotiate better benefits, fewer exclusions, and preferential terms that reflect your value as a client.

Custom Policy Design

We design solutions that match exactly what your family needs—from comprehensive family coverage to individual executive health packages. No unnecessary extras that inflate costs, no gaps in important areas.

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Complete Setup and Ongoing Support

We handle every detail of getting your policy set up—enrollment, provider registration, welcome materials, and direct contact numbers. Then we monitor your family’s changing needs, suggest improvements to your coverage, and handle all communications with insurers on your behalf as your circumstances change.

What Matters Most to Your Family

Pre-Existing Condition Coverage

Some families need policies that cover existing health conditions from day one, while others prefer lower premiums with standard medical underwriting—we find the right approach for your situation.

Guaranteed Renewal

For families concerned about long-term coverage, we secure policies that guarantee renewal regardless of age or health changes, giving you permanent peace of mind.

Child-Only Policies

Whether you need coverage just for your children while they study abroad, want separate policies that travel with them independently, or need family coverage when your employer only covers you, we design flexible solutions that work for your situation.

Direct Billing Worldwide

No upfront payments or claim forms—we connect you with insurers who offer direct billing with hospitals and specialists globally, so you focus on getting better, not paperwork.

Making Insurance Simple and Clear

Medical insurance can be confusing—pre-existing conditions, moratorium versus full medical underwriting, deductibles, co-pays, claim forms, what receipts to keep. As expatriates ourselves, we found this overwhelming until we learned the system. We break down everything that applies to your situation and make sure you understand exactly how it all works before you need it.

When medical situations arise, we guide you through the process—from specialist referrals to claim submissions. You get direct access to experienced advisers who respond quickly to urgent questions and keep you informed every step of the way, so there are no surprises when you need your coverage most.

Cobalt's Commitment to You

Speed of Response

We respond to urgent queries within hours, not days, and weekends aren’t days off for us—medical emergencies don’t follow business hours.

We Represent You, Not the Insurer's

We negotiate aggressively on your behalf and don’t hide that we represent our clients’ interests, not the insurers’. We have excellent insurer partnerships, but we work for you.

Access to the Best Markets

We constantly analyze the market to ensure the insurers we offer are the best available, including access to specialist Lloyd’s markets that most brokers can’t reach.

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

Ready for Private Care?

Get your personalised health insurance quote today and experience the fast‑track to world‑class medical treatment.