About the Chameleon Principle

Save time and money with insurance that adapts to the social security system of the country you move to. 

The Expat & Co Chameleon Principle© is based on a very simple premise: we all like to get the most out of our money, so why pay for double coverage? Most European countries have a national health system in place. Expat Insurance is designed to work as a Top-Up to local reimbursement systems which means you enjoy all the benefits of private insurance without paying the price. 

Should you relocate to a country without a national reimbursement system, you can simply upgrade your coverage to Full Plan. Equally, relocate to a country with an excellent employer health insurance and set your plan to Sleeper Mode

Attention: If you apply for a private health insurance, you always have to pass medical underwriting. For more information about medical underwriting, please visit this page

Learn more about Expat & Co’s Chameleon Principle and Social Security systems around the world with these videos.

The Out of pocket model

The Mutual insurance model

The Care in Kind model

The Chameleon Principle

Get your smart insurance.

REQUEST A QUOTE