Get 5% Cashback
on Your Existing
Health Insurance,
How does it Work?
Step 1
Fill a quick form
– Takes 30 seconds
Step 2
We represent you – No insurer change, no cost
Step 3
Get 5% of your premium – cashback
Up to 30% of your yearly premium funds marketing.
We give it back.
You’ve been funding the ads.
Up to 30% of your premium each year goes to sales, commissions, and ads — not healthcare.
We redirect that value to where it should go: you, or a nonprofit you believe in.
Trusted by expats worldwide since 2008
Same insurance, same coverage
No added cost
Transparent and Secure
Direct Cashback
FAQ
𝗪𝗵𝗮𝘁 𝗶𝘀 𝘁𝗵𝗶𝘀 𝗲𝘅𝗮𝗰𝘁𝗹𝘆? We redirect part of your existing health insurance premium — usually spent on marketing or commissions — back to you It costs you nothing and doesn’t affect your coverage.
𝗗𝗼 𝗜 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗰𝗵𝗮𝗻𝗴𝗲 𝗺𝘆 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗿 𝗼𝗿 𝗽𝗹𝗮𝗻? No. You keep your current insurer, plan, and benefits. Nothing changes in your coverage. We simply become your official point of contact (the broker of record), allowing us to allocate part of the existing distribution budget back to you.
𝗪𝗵𝗮𝘁 𝗶𝘀 𝗮 𝗟𝗲𝘁𝘁𝗲𝗿 𝗼𝗳 𝗥𝗲𝗽𝗿𝗲𝘀𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻? A Letter of Representation (sometimes called a “Broker of Record” letter) is a short, non-binding document that authorizes us to act as your insurance broker for an existing policy. This allows us to: Work with your insurer on your behalf Handle renewals or support (if you choose) Reclaim a portion of the commission normally hidden in your premium You don’t pay anything, and your plan stays the same. It’s just how we unlock the 5% value — to give it back to you or donate it as instructed.
𝗪𝗶𝗹𝗹 𝗺𝘆 𝗶𝗻𝘀𝘂𝗿𝗲𝗿 𝗼𝗿 𝗽𝗹𝗮𝗻 𝗰𝗵𝗮𝗻𝗴𝗲? No. Your insurer stays the same. Your coverage stays the same. You simply allow us to represent you, which lets us reassign part of the insurer’s budget (normally used for marketing) back to you or a cause.
𝗜𝘀 𝘁𝗵𝗶𝘀 𝗮 𝗱𝗶𝘀𝗰𝗼𝘂𝗻𝘁? Not exactly. It’s a redistribution of value already built into your premium, usually hidden as commissions or marketing costs. We turn it into cashback or a charitable donation, transparently.
𝗛𝗼𝘄 𝗱𝗼 𝗜 𝗴𝗲𝘁 𝘁𝗵𝗲 𝗺𝗼𝗻𝗲𝘆? Once your Letter of Representation is accepted and your policy is confirmed, you’ll choose: - Cashback (bank transfer, PayPal, or local method) - Donation to one of our verified nonprofit partners This happens every year, as long as you're represented by us.
𝗜𝘀 𝘁𝗵𝗶𝘀 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝗳𝗼𝗿 𝗴𝗿𝗼𝘂𝗽 𝗼𝗿 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲? Right now, it’s available only for individual or family plans. But you can reach out — in some cases, we may support employer-based top-up plans.
𝗜𝘀 𝗺𝘆 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝘀𝗮𝗳𝗲? Yes. We are licensed brokers and GDPR-compliant. Your personal data is never shared, sold, or used outside this process.
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