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Your International Health Insurance Comparator

AOC Insurance Broker is an independant broker with 30 agreements with all the most important international insurance companies.
Our services is free. We do not load your premium. Your premium remains the same as if you would directly buy from the insurance companies.

Our commission are paid by insurance companies with the same fee calculation, and therefore, our recommendation are neutral.

How AOC Insurance Broker comparator works?

First of all, it is very important that you have a phone conversation with an AOC consultant in order for us to understand your situation and needs very well. If you really cannot be called, you may provide us with all the necessary information by filling out the AOC Form.
Moreover, please note that we have the legal duty to inform and advise you according to your situation, needs and requests.
Your interest is not nesseraly to get the lowest premium. You may need to know if the insurance is adapted to your situation, your health condition, your projects, your destination, your way of life, etc.
Only a professionnal that has the experience and knowledge of the benefits and conditions of each insurance plan, is able to inform, recommend or even warn a customer.
It is important to be assisted during the selection of the insurance plan, to enrolment, and throughout the life of the insurance (renewals, ligitations, emergency, etc.).

Making a comparison of expat health insurance plans involves the following skills:

-Knowledge of an expertise in the medical insurance industry
-Close relations with insurance companies (management, claim center, sales team, medical team, etc.), as well the medical evacuation companies
-Knowing the benefits, general conditions and processes to each insurance plan
-Understanding the inflation of medical costs, according to each destination
-Knowledge of how insurers manage the cost containtment of costs
-Knowledge of how insurers consider preventive treatment, second medical advice and health coaching

The most important diseases, according to the 2015 Towers Watson survey report are:

-Heart disease
-Cancer Treatment
-Respiratory issues
-Digestive issues
-Back and muscle pains
-Mental disorders


1-The expatriate first make a request for quotes and information on our website 
2-The AOC Team calls the expatriates (or get in touch with them by email), asking thim to fill our the AOC information form and proposes to arrange a phone call (or Skype)
3-Phone or Skype call in order to get a clear understanding of the expatriate's situation, needs and requests. The AOC consultant may also give sme further information and advice
4-According to this information, the AOC consultant can program the AOC Expat Care        tool to selected adapted comparative insurances and quotes. The comparison is also made thanks to the AOC Notation document
5-The expatriate examines the selection of insurance plans and prepares his questions. Yhe consultant arranges another phone call to answer on these questions.
6-The client sends the application form for the selected insurance plan to the consultant. The AOC consultant then checks the application and the medical questionnaire and sends it to the insurance company.
7-The consultant and the entire AOC team will stay at the disposal of the client throughout the life of the insurance plan, in case of questions, ligitation, emergencies, claims, etc.

AOC Insurance Broker, the health plan you want, the premium you want, the help you need

AOC Insurance Broker : International Health Insurance comparisons

"The Health plan you want, the premium you want, the help you need"