Expat Health Club Membership with Complimentary Medical Coverage for EU4,300 / annum.
In 2011, the concept of Expat Health Club was launched. 95% of our members renew every year.
- Membership benefits that travel with you wherever you live or work.
- No hidden fees or complicated insurance jargon – one price fits all.
- Coverage for Accidents, Injuries and Illness Worldwide
- (Low annual fee with no deductible)
The Expat Health Club is made for people living and working abroad who want simple, affordable, and reliable medical coverage. Instead of complicated insurance, it’s a membership through a special Trust that buys great inpatient medical cover straight from top insurers—no middlemen or hidden fees. It’s all about covering the big stuff: serious illnesses, accidents, and injuries. Plus, you get 24/7 expert help and concierge support to make sure you get the care you need, no stress involved. If you want peace of mind and real protection while living overseas, this Club is here for you.
We Established The First Trust Based Membership For Expats And The First Viable Alternative To The Existing Retail Insurance Market.
What’s Included?
Accident & Injuries
Accidents & Injures can happen anywhere, anytime—especially when you’re living an active expat life abroad. The Expat Health Club membership provides comprehensive coverage for medical treatment related to accidents, including emergency hospital stays, surgeries, specialist care, and rehabilitation. Whether it’s a sports injury, a fall, or an unexpected mishap, you can count on the Club to support you with fast, hassle-free claims and access to quality private medical care. This coverage ensures that costly accident treatments don’t become a financial burden, giving you peace of mind to focus on recovery.
Injuries
When serious illnesses strike, having reliable medical coverage is crucial—especially if you’re far from home. The Expat Health Club membership provides protection for inpatient treatment related to a wide range of illnesses, including cancer therapies, organ transplants, and other critical care needs. This coverage ensures you have access to quality hospital care, surgeries, and specialist treatments without worrying about exorbitant costs. With straightforward claims handling and 24/7 support, you can focus on getting better while we take care of the rest.
How We Made Medical Cover Simple (and Worth It!)
We Set Up
a Trust
It might sound a bit formal, but here’s the simple version: A Trust is a secure setup that manages the benefits for its members—that’s you. When you join, you pay €4,300 a year (or $4,400 USD), and just like that, you’re in. You become a “discretionary beneficiary,” which means you get all the membership perks and protections.
Want to dive into the details?
Click here to learn more about how the Trust works, who’s involved, and everything you need to know.
Built on Trust
and Quality
The Trust secures your coverage directly from top-tier, blue-chip underwriters who have the strongest financial ratings, including industry leaders like GuardRisk—check them out here. This means your membership is backed by some of the most trusted names in insurance. By cutting out agents and middlemen, we deliver better prices and exceptional value straight to you, ensuring your protection is reliable and hassle-free.
No Fluff,
Just What Matters
Claims?
Simple and Stress-Free
We work with the Expatriate Health Group, established in 1997 and trusted by over 100,000 clients, to handle all your paperwork and claims on your behalf. If something happens, you won’t be left waiting on hold or drowning in forms. We make the process quick and easy, so you can focus on what matters most. Click here to see how it works.
We created the first Trust-based membership specifically for expats —
a fresh, practical alternative to traditional retail medical insurance.
Why did we feel this was necessary? Because expats and their families working and living overseas deserve essential benefits that truly meet their needs — and at a price that won’t break the bank.
1.) Have you ever bought private medical insurance and found it confusing or complicated?
With the Expat Health Club, there’s just one simple price: €4,300 per year. No hidden fees, no surprises. We’ve made the whole process easy and transparent.
2.) We focus on what expats actually need.
If you face an accident, injury, or serious illness, your Expat Health Club membership has you covered, giving you the protection that matters most.
3) Affordable Pricing that Beats Soaring Premiums
While insurance premiums are soaring, we’ve kept the fee for our Expat Health Membership steady and affordable.
4) Portability You Can Rely On
Whether you return to your home country or switch jobs—which often means losing coverage or facing expensive new plans—you can keep your Expat Health Membership and stay protected. Unlike local insurance policies, such as those in the Philippines, that stop covering you once you leave the country, our membership stays with you wherever life takes you. (Please note, coverage is not available in the USA.)
* If you’re aged 65+ contact us for a bespoke membership price +44 (0)20 3633 1539
The visionaries who launched the Club.
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Hello and welcome! Most of our members come through word of mouth, and a common thread is frustration over rising insurance premiums. I was with a well-known provider – but after facing 25% yearly increases, I quickly realized that wasn’t sustainable, especially since I was still in my fifties. Then I met Rory, who showed me a smarter way to get solid medical cover without breaking the bank. I love that I still get peace of mind knowing I’m protected for the “big picture” stuff—accidents, injuries, and serious illness. You can connect with me directly on LinkedIn. https://www.linkedin.com/in/rsoden/
Welcome Address by the Chairman Rory
Frequently Asked Questions
RBI was found in 2011 by Rory Blair – set up under the Trust – and recently undergone
re-branding, re -investment with additional shareholders and relaunch under the Expat Health Club
An expat (short for “expatriate”) is simply someone who lives outside their native country (the country they were born in). They may be temporarily or permanently living there for a variety of reasons including work or retirement.
Our members are all nationalities living and working around the world.
Anyone who is health conscious – then now is the best time to join! If you exercise, go to the gym, eat fruit and vegetables, (you get the picture!) don’t wait until you have an accident, illness or an injury – these are the “big ticket” stuff that you need to be covered for. And you can become a member worldwide (except USA).
In most cases, we can only provide insurance to expats. By expat, we mean people living and working outside of their country of nationality (e.g., a Dutch national living in Taiwan or a Canadian national living in India).
We can provide plans to people of all nationalities in most countries around the world. You must be living or working in a country different from your country of nationality.
Typically, our members reside permanently in a foreign country. But we can sometimes provide cover to people expecting to spend at least 6 months of the year living or traveling abroad. In certain countries, we can cover people living in the same country that issues their passport. These countries are Botswana, Kenya, Nigeria, Mauritius, Estonia, and Malawi.
A Trust is a secure setup that looks after benefits for its members — you. View Here
You do not have a policy with an insurance company. You are a member of the Expat Health Club which purchases medical cover on your behalf from a registered insurer. The Expat Health Club is the policy holder, you are the beneficiary.
Our insurer is regulated by the FSA Number ### in the UK.
- We cut out the middle man and costs and brokers – hence our membership fees are low – and just one price!
- We fight to keep membership fees low – unlike the unpredictability of insurance companies that hike up premiums every year.
- Portability – if you leave your company benefits scheme or return to your country – your Expat Health Membership allows your cover to go with you and where your life journey takes you.
The average claim value for medical evacuation is US$13,470. The costs of getting ill abroad without health insurance can be huge – and whilst you may be covered under a local country free health care (such as Hong Kong or the UK if you are eligible citizen), a private room in a hospital does make coping with accident or illness more stress free. Also – check your local insurance cover – does it cover the cost of a major operation i.e. heart (which could be upwards of US$75,000) for an operation.
No – there zero deductibles for our members.
All legitimate claims will be covered by the insurer subject to the terms and conditions of the benefits that are made available to the member). Our insurer is regulated by the FSA Number ### in the UK.
But…always tell the truth…any false claims will invalidate your claim!
We work with the Expatriate Health Group, established in 1997 and trusted by over 100,000 clients, to handle all your paperwork and claims on your behalf. If something happens, you won’t be left waiting on hold or drowning in forms. We make the process quick and easy, so you can focus on what matters most.
Claims will be handed by the Expatriate Health Group and can be accessed via this link. – and Expat Health Club will also help.
Paying your premium annually is the cheapest option. In some cases we can try and help with other payment timeline options.
You must be under age 76 when your policy starts, but you can renew for as long as you need it.
As soon as you pay your Expat Health Club membership fee (and accepted!), you will be covered.
Currently we do not provide travel insurance, but we are researching on offering some very innovative new benefits (watch this space!)
Case Studies and Testimonials
