Individual Insurance Worldwide
Individual Health Insurance, Made Personal.
We compare 50+ insurers, so you don't have to.
8 languages and 100+ countries
Everything an individual expat needs.
Pick a plan that fits your life. Our advisors help you focus on what matters and skip what doesn't.
Inpatient
Care
Hospital stays, surgery, cancer treatment, and complex procedures fully covered.
Outpatient Care
GP visits, specialist consultations, lab tests, and prescriptions when you need them.
Emergency & Evacuation
24/7 emergency assistance with medical evacuation if local care isn't enough.
Dental & Optical
Add routine and major dental, plus optical cover, as optional benefits.
Mental
Health
Therapy and psychiatric care, included on most modern plans.
Worldwide Cover
Access top hospitals across Asia, Europe, Middle East, and beyond.
The broker individuals trust.
Why clients choose Alea
Independent
We compare 30+ insurers. We recommend what's right for you, not what pays us most.
Free Service
You pay the insurer directly. Our advice costs you nothing. Ever.
Real Humans
You pay the insurer directly. Our advice costs you nothing. Ever.
Multilingual
EN, FR, ZH. Insurance jargon translated into language you actually understand.
By Country
Insurance, wherever you are.
Hong Kong
Malaysia
Vietnam
Thailand
Singapore
Dubai
Philippines
Indonesia
Indonesia
Indonesia
Guides to help you decide.
Pick a plan that fits your life. Our advisors help you focus on what matters and skip what doesn't.
What Our Clients Say
10,000+ clients trust Alea.
“Got my quote in 5 minutes. My advisor called the next day and explained everything clearly. Best insurance experience I've had.”
Sarah K.
British expat, Bangkok
“I'd been putting off insurance for over a year. Alea walked me through 3 options, no pressure, and got me covered in 48 hours.”
Marco P.
Freelance designer, Bali
“Pour les Français expatriés, Alea connaît la CFE à fond. Ils m'ont fait économiser 40% sur ma couverture annuelle.”
Julien M.
Famille française, Hong Kong
“Switching to Alea was effortless. They found me better cover for less and handled all the paperwork. I actually understand my policy now.”
Priya R.
Marketing lead, Singapore
Need some help?
We’re here to provide support and assistance.
Frequently Asked Questions
How do we choose the providers we work with?
Working with trustworthy health insurance providers is fundamental to our business. We work with both Hong Kong-based and international health insurance providers. For any offshore plans recommended, we ensure all providers are subject to regulations that both Alea and its customers hold in high regard.
How do you stay on top of their products?
We know our products from top to bottom! Alea advisors are not only rigorous and detail-oriented, they also receive weekly training sessions with the insurance providers we work with. We’re in constant conversation with our partners to stay abreast of any and all updates, keeping our communication mutually open and transparent.
Why does choice matter?
Providing choice is incredibly important for a number of reasons, including that your needs and personal situation may change over time. Maternity, child cover, planning for retirement, the onset of a chronic illness - we can't always plan for exactly how life will unfold. Additionally, some health insurance products may simply become too expensive over time.
How do we recommend one provider versus another?
There is no “best” insurer and there is no “one-size-fits-all” health insurance plan. Every product has its own strengths & weaknesses and because we know them all by heart (it's our specialty!), we know - for instance - which plans are more flexible on pre-existing conditions or which may be discontinued. Each proposal and recommendation is tailored to suit your own needs and situation.
Why do close relationships matter?
Trust is pivotal to our business and we maintain close relationships with each of our 25+ providers, working with them hand-in-hand to make sure you receive the best service and outcomes. These relationships mean we can better advocate for you when you are facing a difficult claim issue. Our multiple points of contact enable us to resolve any critical issues that may arise.
Have we ever stopped working with a provider?
Absolutely. We’ve ceased relationships with insurance providers whose products we believed to be unsustainable and with some who’ve made business decisions we felt were unfair and/or unfavourable to our clients. When making such decisions, we carefully analyse facts and data and undertake robust internal consideration.
How do we stay independent?
The Code of Conduct For Licensed Insurance Brokers specifically mentions that our fiduciary duties are owed to clients. While there are insurance providers we work with more than others, no one partner represents more than 20% of our total revenues. We partner with 25+ insurance providers, allowing us to provide choice and remain completely independent. We don’t work for insurance providers, we work for you.
What is our business model?
As brokers, we receive a percentage commission of the insurance premium you pay directly to the insurance provider. This commission is automatically included in the premium, not in addition to it. It is not less expensive to buy direct from the insurer! The advisory services we provide to you are free of charge. For individual and family plans, the average commission rate we receive each year varies between 15-20% of the annual premium. For group employee health benefits (group schemes), commission rates generally vary between 10-15%.
