Your health insurance. A fresh reading.

You may be moving country, leaving an employer plan, adding a family member or facing a renewal increase. You may simply want to understand an exclusion before making a decision.

Those changes do not automatically make your policy unsuitable. They make it worth checking the actual documents against what you now need. We look at existing rights and limitations before considering a replacement.

If you are arranging international insurance for the first time, start with how international health cover works or our first-review process.

• The current schedule or certificate, with the people and area of cover named.
• The full policy wording and any personal endorsements or exclusions.
• The latest renewal notice and any proposed alternative quotation.
• Relevant employer-cover documents, intended move date and the questions you want answered.

We explain how to provide these after booking. Keep medical records and detailed health information out of the initial booking notes.

Robert Kolar focuses on health insurance and Nicole Bohne on life and protection. The team page explains the SIP colleagues' roles and the placement relationship.

A new policy can involve fresh health questions, different exclusions and new waiting periods. A lower headline premium does not establish that the replacement is suitable. We consider what you would give up as well as what you would gain.

If changing cover is appropriate, the acceptance, exclusions, effective date and any gap between policies need resolving before cancellation. The insurer decides application and claim outcomes; our review does not replace those decisions.

This is a review of insurance arrangements. It does not provide medical diagnosis, a clinical second opinion or a legal opinion.

For a first check yourself, read the existing-policy review checklist and the nine lines of a policy schedule.

Expat Savvy is an advisory practice and holds no insurance licences of its own. International cover is placed through SIP Medical Family Office. Availability depends on your residence, the product and the relevant SIP entity; we check the placement route before arranging cover.

We hold no exclusive arrangement with any insurer, and no insurer owns part of this business. That does not mean every insurer or product is available to every client. The scope of a recommendation depends on the cover we can consider and arrange for your circumstances.

International cover is placed on a courtage basis: the insurer pays a percentage of the premium when a policy is placed. A higher premium can mean higher remuneration; this payment model does not remove that potential conflict. Our written report sets out the reasons for a recommendation, the alternatives considered and whether keeping existing cover is appropriate. There is no fee for the review or written report, whether or not you arrange cover through us.

Ask us to explain the remuneration attached to a proposed placement. You can read the reasoning before deciding, ask why an alternative was left out, or take the report to another adviser.

These register entries identify the relevant SIP companies, not Expat Savvy: FINMA intermediary register — Switzerland, SIP Switzerland AG registration F01111824 · FMA register — Liechtenstein, SIP Europe AG licence 10116 · FCA register — United Kingdom, SIP MFO Ltd firm reference 989310. The entities and their terms of business are on our about page.