After graduating, Anna and Tom want to enjoy life to the full and pursue their shared dream: To open a diving centre in Bali and, at the same time, capture their travel experiences in photographs for their blog. They plan to stay abroad for up to two years and choose Indonesia as the starting point for their adventures.

As they don't want to spend a lot on health insurance abroad, EXPAT SMART is the perfect solution for them: The insurance offers them worldwide cover, no matter where they are. As Anna and Tom only need treatment if it is accident-related, their monthly premium is low. Even if Anna and Tom choose to travel to a different country during their insurance period, Expat Smart offers various ways of insuring their stay.

Jana is insanely successful with her SEO company. But as her success grows, so does her tax burden. So Jana finds out about legal tax havens in Europe and decides to live and work in Cyprus for a few years. Everything is great, but how do you get the best possible health insurance in Cyprus?

EXPAT SMART, with its premium variant, is the ideal international health insurance for Jana: it provides her comprehensive protection for up to five years, which also covers visits to the doctor and hospital in her home country. If Jana decides to live in Cyprus permanently, she can make an easy switch to our EXPAT INFINITY lifelong international health insurance after an uninterrupted three-year contract term.

Paul wants to enjoy life and turn his hobby into a career. He wants to become a diving instructor and see the world. To do this, he wants to spend three years abroad and initially work as a diving teacher in his favourite country, Thailand. He doesn't have much money for health insurance abroad.

For the time being, the EXPAT SMART's classic variant is the the ideal product for Paul: the international health insurance offers him coverage for accident-treatments as well as life-threatening emergencies. Paul can also change his country of residence at any time without having to worry about taking out new international health insurance. If he decides to extend his stay abroad during the three years, he can remain insured with EXPAT SMART for up to five years.