Can you provide insurance to local nationals?

We can only provide insurance policies when the policyholder is an expat or digital nomad living outside of their country of nationality, and to groups when at least 50% of the employees are living outside their country of nationality.

There are some countries where we can provide insurance to local nationals (i.e., non-expats residing in their country of nationality). Please see below for the full list of countries.

Here’s how it works for each of our products.

Health insurance for individuals & families

When purchasing a health insurance policy, the policyholder must be one of the following:

• an expat;
• a digital nomad;
• someone who spends at least 6 months of the year outside their country of nationality;
• a British citizen living in a British Overseas Territory or Crown Dependency; or
• a local national in a country where we can accept local nationals (see list below).

The nationality of the policyholder’s dependants is irrelevant. Dependants can be local nationals in any country—even those where we cannot accept policyholders as local nationals.

Life insurance & income protection for individuals

When purchasing a life insurance or income protection policy, the policyholder must be one of the following:

• an expat;
• a digital nomad;
• someone who spends at least 6 months of the year outside their country of nationality;
• a British citizen living in a British Overseas Territory or Crown Dependency; or
• a local national in a country where we can accept local nationals (see list below).

Insurance for groups

At least 50% of the employees insured under a group insurance policy must be:

• expats;
• digital nomads;
• people who spend at least 6 months of the year outside their country of nationality;
• British citizens living in a British Overseas Territory or Crown Dependency; or
• local nationals in a country where we can accept local nationals (see list below).

The nationalities of the employees’ dependants are irrelevant. Dependants can be local nationals in any country—even those where we cannot accept employees as local nationals.

Countries where we can accept local nationals

Botswana, Egypt, Gabon, Ghana, Guinea, Morocco, Nigeria, South Africa, Ethiopia, Malawi, Mauritius, Mozambique, Seychelles, Somalia, Zambia, Zimbabwe, Kenya, Uganda, Tanzania, Chile*, Costa Rica*, Estonia, Greece, Cyprus, Romania, the United Kingdom*.

*For our health insurance product only.