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Expacare Insurance

Expacare was established in London in 1982, with the aim of providing international private medical insurance with 24-hour global assistance to individuals, families, small medium enterprises (SME’s) and corporate clients. 

They pride themselves on the five values that define them – caring, professional, open, honest and compassionate. 

In the UAE, Expacare has partnered with Al Ain Ahlia Insurance Co. to provide Dubai Health Authority (DHA) and Health Authority Abu Dhabi (HAAD) approved medical insurance plans. 

Expacare provides numerous plans with different variations and a dedicated named account manager for all corporate medical insurance clients.

Our Verdict
A Closer Look
Customer Reviews

Expacare offer the below plans: 

  • Individual/Family Policies 
  • Comprehensive international SME policies  
  • Comprehensive international corporate policies  

The Pros

> Financially stable MGA with strong backing from Lloyd’s of London
> Relatively low annual increases in comparison to other international insurers
> Offer a ‘company policy’ for companies with just one employee. Perfect for start-ups in the region, that will grow quickly
> Medical History Disregarded (MHD) starting from 5 employees (market average is 10 employees)
> Use MedNet TPA and the Mednet App for claims submission and tracking
> Healthy discounts can be up to 25% for new members
> The Expacare team are very helpful and accommodating where they can be with the members interest at heart

The Cons

> No local presence in the UAE and therefore rely heavily on their local TPA (Mednet)
> HQ is in London and therefore they work on London time zone
> Unable to offer highly competitive corporate schemes
> Waiting periods on certain benefits
> Limited options in their plans and benefits
What are the TPA (Third Party Administrator) options?


Do Expacare offer a portal or an app?

Expacare offers its customers an app. 

What's the turnaround time for reimbursements?

7 working days.

What's the turnaround time for pre-approvals?

For out-patients: 5-30 minutes
For in-patients: 24 hours

What's the minimum number of employees required for MHD (Medical History Disregarded)?


A long-term choice

Having endured escalating renewals we looked for a longer-term partner this time around. 

We were advised on Expacare because of their track record of reasonable increases and their stated intention to become an organisation's long-term partner. 

We are hoping this will be a positive solution and choice for our whole company but so far so good. 

Expert Assessment of Expacare

A couple of years ago, Expacare had a consistent track record of providing below-market inflation increases, with less than a 7% increase in their base rates. Due to market inflation and volatility their increases are now between 10-12% on average which is still more competitive than other international insurers. Expacare aims to provide stable and long-term solutions to our clients and should be considered an excellent long term partner. 

Expacare has partnered with MedNet to utilise their network and handle their claims in the UAE. MetNet is an established well-known brand that offers quality customer experience. Although, due to a lack of presence in the region from Expacare, escalations can get slightly delayed. 

As Expacare is financially stable and backed by Lloyd’s of London, defaulting on payments is not a concern. 

They provide a range of variations on their ‘choices plans’ that allow them to select from different networks and add co-insurances, however, there are limited options for their Out-Patient and Add on benefits which can make it difficult to meet a clients specific requirements.  

If you are a business owner or HR professional in the UAE, you’re looking to improve the medical insurance cover for you group, save money on your employee benefits package or reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us or call us on +971 (0) 4559 4900. 

At AES, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.  

Expacare Dubai Choices Plan

Expacare Network List

Start looking after your employees' well-being today. 

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