100% Unbiased Independence
As licensed independent brokers, we have no allegiance to any single carrier. Our recommendations are driven strictly by your health needs and budget.
About ExpatMedicare
A Quarter Century of Global Protection.
Since 2001, we have been navigating the global insurance market to protect what matters most. As your digital broker, we combine 25 years of traditional brokerage expertise with modern, instant technology.
In Business Globally · Protecting Individuals & Families
Meet Our Advisors & Support Team ↓Our Purpose
Why ExpatMedicare Exists
Living across borders should be an enriching adventure—not an administrative nightmare. We exist to eliminate the confusion, hidden fine print, and overwhelming jargon of international healthcare. We empower expatriates, global families, and multinational organizations with clarity, security, and unbiased advice.
Service Philosophy
Client-Centric Fiduciary Commitment
We work for you, not the insurance carriers.
Zero Advisory Fees
Our consulting, policy comparison, and ongoing advocacy are 100% free of charge. You pay exact insurer direct rates with all our expert support included.
Lifetime Client Advocacy
Our job starts—not ends—when your policy is issued. We stand by you during hospital stays, claims processing, and annual plan renewals.
Why Choose Us
What Makes Us Different
Human Wisdom + Digital Speed
We pair dedicated, licensed human advisors with instant AI rating engines and central digital portals for effortless policy management.
Deep Cross-Border Expertise
25+ years navigating complex global healthcare rules, CFE top-up integration for French expats, and local compliance in EU, Asia, & Middle East.
Proactive Claims Defense
When insurers stall or dispute claims, our dedicated claims specialists step in to fight on your behalf and secure your reimbursements.
Annual Renewal Audits
We benchmark your policy every year to prevent unfair rate spikes and ensure your plan keeps pace with your evolving lifestyle.
Modern Brokerage
Human Advice + Digital Tools
Technology handles the administrative paperwork so our human advisors can focus on what matters most: listening to your story and protecting your family.
Personal Licensed Advisor
Direct human access to senior brokers who understand global medical markets, underwriting nuances, and cross-border family protection.
- Dedicated licensed broker contact
- Deep medical history & underwriting advice
- Direct WhatsApp & phone consultation
Instant AI & Digital Ecosystem
Proprietary rating OS, instant multi-insurer comparison, centralized digital insurance wallet, and automated renewal alerts.
- Instant rating engine & plan comparison
- Centralized Digital Insurance Wallet
- Automated claim tracking & renewal alerts
Global Health Mastery
International Health Insurance Expertise
Navigating International Private Medical Insurance (IPMI) requires specialized global knowledge. We provide comprehensive guidance across:
CFE & Social Security Integration
Seamless top-up coordination with Caisse des Français de l'Étranger (CFE) and national health systems to prevent expensive coverage gaps.
Global Direct Billing Networks
Access to cashless hospital admission across 1.5 million+ medical providers, clinics, and specialists worldwide.
Multi-Jurisdictional Regulation
Licensed compliance across MAS (Singapore), ORIAS (France), and insurance authorities across Europe, Asia-Pacific, and the Middle East.
Lifecycle Advocacy
Post-Sale, Claims & Renewal Support
Buying insurance is just the beginning of our relationship. We provide continuous support at every stage of your global journey.
Pre-Authorization Assistance
Fast-tracking Guarantee of Payment (GOP) letters for planned surgeries, hospital stays, and specialist treatments so you never pay out of pocket unexpectedly.
Claims & Dispute Resolution
Filing complex medical claims, tracking reimbursements, and challenging administrative delays or unfair rejections directly with carrier management.
Annual Renewal Optimization
Auditing annual rate adjustments, re-evaluating medical history rules, and switching plans smoothly if better market alternatives emerge.
Leadership & Advisory Team
Meet Our Advisors & Support Team
Have our dedicated international insurance specialists right beside you. With licensed advisory hubs in Singapore, Paris, Shanghai, and Hong Kong, our team's job is to expertly shoulder your insurance load and provide personalized 24/7 support for individuals, expat families, and global companies.
Leadership
Margaret Ferté
Chief Executive Officer & Co-Founder
20+ years’ experience
Leadership
Damien Ferté
Founder & Executive Director
18+ years’ experience
Advisers
Jean-Marc Herbet
Managing Director
25+ years’ experience
Advisers
Tristan Small
International Insurance Adviser
20+ years’ experience
Advisers
Nancy Lin
General Manager, Greater China
15+ years’ experience
Client Services
William Zhu
Head of Client Services
12+ years’ experience
Client Services
Sajini Rajanayake
Senior Client Services Executive
8+ years’ experience
Client Services
Prithika T.
Client Services Specialist
Client Services
Elaine Wang
Client Services Specialist
Client Services
John Zong
Client Services Specialist
Client Services
Thea Weng
Client Services Specialist
Global Footprint
Our Offices Around the World
European Headquarters
Paris, France
Serving our European and global expat network with comprehensive offshore solutions.
Mainland China Hub
Shanghai, China
Managing cross-border business benefits and local onshore protection programs.
East Asia Hub
Hong Kong
Delivering international health insurance and comprehensive private medical solutions across East Asia.
Southeast Asia Hub
Singapore
Providing premium IPMI and regional wealth protection strategies for active professionals.
100% Independent Advice
We work for you, not the insurance companies.
Licensed & Fully Regulated
Fully compliant across all major global financial hubs.
24/7 Global Claims Support
Dedicated human assistance whenever and wherever you need it.
ExpatMedicare is the brand of Clema Risk Solutions Limited, Hong Kong insurance broker licence FA2640.
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