The best full-life medical insurance for expats
- No claim? No increase!
- Maximum of 3% renewal increase
- Pay yearly, semi-annually, quarterly or monthly – same cost
- Enrol at any age
- A grown-up approach to claims and pre-existing conditions
A better approach to medical insurance
At WrLife we believe that customers prefer to be insured by a fully-licenced company with an honest, open and fair approach to medical insurance. A company that takes a sensible, grown-up, and flexible approach to your pre-existing conditions and claims.
We are very competitive on costs because we have a small management structure, no expensive flashy buildings or need to keep a high stock market price. And we don't abandon our customers when they reach 70 – we provide full-life insurance.
This is why so many customers stay with us, and recommend us to their friends.
No claims, no increase!
See how much you can save with our unique, ethical approach to health insurance.
Interest-free monthly payment
Pay yearly, semi-annually, quarterly or monthly – all at the same cost.
3% max renewal increase
No claim? No increase. Even with claims, maximum 3% annual renewal.
Pre-existing conditions
A responsible, grown-up approach to pre-existing conditions coverage.
Citizens & travelers welcome
Whether you're a citizen, living abroad or a traveler – you're covered.
Full-life cover at any age
Enroll at any age and enjoy coverage for your entire life. We never abandon you.
Quote Now
Get your personalized quote in minutes
Different by ethics
What makes our proposals so different? WrLife is an independent, customer-owned, and ethical company. We are not pushed or pressured by shareholders to increase market value.
We do not believe in automatic annual increases in your insurance premiums, so without any claim there will be no increase!
Choose WrLife to access a wide range of products and prices, from micro plans to elite plans with everything in between to suit your needs and budget.
Looking for a different insurance?
We offer a comprehensive range of insurance products tailored for expats and travelers.
Full Life Medical Insurance
Comprehensive medical coverage for expatriates worldwide.
Life & Accident Cover
Life and personal accident protection for peace of mind.
Travel Insurance
Travel coverage including Schengen visa requirements.
Personal Liability
Personal liability and legal fees protection.
Complémentaire CFE
CFE complementary coverage for French expatriates.
Evacuation & Repatriation
Emergency evacuation and medical repatriation assistance.
Fully Licenced
Independent insurance group with proper licensing and regulation.
30+ Years Experience
Over three decades of providing specialised insurance for expats.
Community Focused
Active in helping communities and environmental preservation.
Customer First
We grow by earning your trust and recommendation, not shareholder pressure.
Why choose WrLife?
Medical insurance is important to your future health and wellbeing as an expat, so it's vital to choose the right company.
We believe that if you're happy with our service you'll recommend us to others in your community, which will help us to grow a healthy business. So, we're all in this together.
Who wants an insurance company that hits you with a massive renewal increase, often at the last minute? Who wants an insurance company that focusses on keeping shareholders happy, not its customers?
The WrLife team
We are fully-licenced insurance agents and brokers, and we believe in creating a fair and equitable basis for our team. That's why we developed our Team Charter:
We're all in this together
Our team members are shareholders, making every interaction personal, because your satisfaction is our success.
What our customers say
Real reviews from real customers around the world.
"Being 83 years I wasn't able to renew the contract with my last insurance, luckily I found an insurance accepting me despite my age."
"So far, great service. My covid certificate was provided very quickly helping me to get back into Thailand. I recently had to make a claim due to a car accident. No deposit or payment needed; everything was taken care of."
"Had the best experience with this company and would not hesitate to recommend them. Competitive prices and amazing customer service. Great work!"
"I've had a policy with WR Life for years since moving to Thailand and am happy with them. My insurance rate has not increased for years as I've never had any claims."
"Now my 4th year with WR Life, always responsive and professional. I had an accident and everything was paid for the same day meaning one less worry."
"Amazing service - I needed an Insurance certificate on a short notice. My contact understood my needs, was responsive and helpful."
"As an expat, it gives me peace of mind knowing I have a solid policy at a reasonable price."
"Affordable health insurance with good rate of coverage compared to many others. After 3 years no claim and no increase on my contract."
"My family has been using WR Life for 6 years, we've had several claims, never had any issue."
"I had a great experience, applied even though being out of Thailand. The team was very responsive. Amazing service!"
"Having had appendicitis, I had to visit the hospital at 2am, everything was taken care of and I did not have to make any payment advance or deposit."
"I am at home following surgery. I want to take a moment to thank you all for the great health insurance delivery."
"Positive aspects: Professionalism, value for money, responsiveness."
"Really happy with the refund processing speed, was refunded in just 2 days."
"I have been with WRLife for 2 years and have not had any price increase, unlike my previous insurer."
"Thank you for introducing me to WRLife. Finally an insurance that accepts to cover me, despite being 79 years."
"Great, I've never been reimbursed so fast by an insurer, thank you again."
"Thank you for your help with my hospitalization. Perfect support."
"A very reasonable price for a quality service. Thanks a lot."
"Being 83 years I wasn't able to renew the contract with my last insurance, luckily I found an insurance accepting me despite my age."
"So far, great service. My covid certificate was provided very quickly helping me to get back into Thailand. I recently had to make a claim due to a car accident. No deposit or payment needed; everything was taken care of."
"Had the best experience with this company and would not hesitate to recommend them. Competitive prices and amazing customer service. Great work!"
"I've had a policy with WR Life for years since moving to Thailand and am happy with them. My insurance rate has not increased for years as I've never had any claims."
"Now my 4th year with WR Life, always responsive and professional. I had an accident and everything was paid for the same day meaning one less worry."
"Amazing service - I needed an Insurance certificate on a short notice. My contact understood my needs, was responsive and helpful."
"As an expat, it gives me peace of mind knowing I have a solid policy at a reasonable price."
"Affordable health insurance with good rate of coverage compared to many others. After 3 years no claim and no increase on my contract."
"My family has been using WR Life for 6 years, we've had several claims, never had any issue."
"I had a great experience, applied even though being out of Thailand. The team was very responsive. Amazing service!"
"Having had appendicitis, I had to visit the hospital at 2am, everything was taken care of and I did not have to make any payment advance or deposit."
"I am at home following surgery. I want to take a moment to thank you all for the great health insurance delivery."
"Positive aspects: Professionalism, value for money, responsiveness."
"Really happy with the refund processing speed, was refunded in just 2 days."
"I have been with WRLife for 2 years and have not had any price increase, unlike my previous insurer."
"Thank you for introducing me to WRLife. Finally an insurance that accepts to cover me, despite being 79 years."
"Great, I've never been reimbursed so fast by an insurer, thank you again."
"Thank you for your help with my hospitalization. Perfect support."
"A very reasonable price for a quality service. Thanks a lot."
Frequently asked questions
Everything you need to know about WrLife insurance.
Yes, WrLife medical insurance covers cancer, chronic diseases, genetic disorders, major accidents and major hospitalizations. Our comprehensive plans are designed to provide full coverage for serious medical conditions, ensuring you receive the care you need without financial worry.
Yes! Unlike many competitors, we provide full-life cover. We don't abandon our customers when they reach a certain age. You can enroll at any age and maintain your coverage for life.
No. WrLife is an independent, customer-owned, ethical company. We are not driven by shareholder pressure. Our aim is to provide fair, affordable, and comprehensive medical insurance while maintaining a sustainable business model.
Yes! With our 'no claim, no increase' policy, loyal customers who maintain healthy lifestyles benefit from stable premiums year after year, effectively saving money compared to competitors who raise rates annually.
Anyone can apply regardless of age or nationality. We welcome citizens, expatriates, travelers, and people living abroad. There are no age restrictions for enrollment.
Our policies are flexible and designed for people living in various countries. Coverage conditions may vary based on your country of residence, but we aim to provide comprehensive worldwide coverage.
Yes, you have the freedom to choose your preferred hospital or medical facility. We work with a wide network of healthcare providers worldwide to ensure you receive the best care possible.
In most cases, no. We provide direct billing arrangements with partner hospitals, so you won't need to pay out of pocket. For emergencies, we process claims quickly to minimize any financial burden.
We take a responsible and grown-up approach to pre-existing conditions. Rather than outright refusing coverage, we work with you to find a suitable plan that addresses your specific health needs.
Yes, policy renewal is straightforward. Our policies are designed for long-term relationships with our customers, and we make the renewal process as simple as possible.
We offer flexible payment options: yearly, semi-annually, quarterly, or monthly – all at the same cost with zero interest on installations. Pay in a way that suits your budget.
No! This is one of our key differentiators. Without any claim, there will be no increase. Even with claims, the maximum renewal increase is just 3% – far below industry standards.
Coverage typically begins on the start date specified in your policy document after completion of the application process and payment.
We accept payments in multiple major currencies to make it convenient for our international clientele. Contact us for specific currency options available in your region.
Yes, you can add family members to your policy. We offer family plans that provide comprehensive coverage for your loved ones at competitive rates.
Like all insurance policies, there are some standard exclusions. These are clearly outlined in our policy documents. We believe in full transparency - contact us for a detailed list of exclusions.
Download policy documents
Access summary of cover, policy wording and other important documents.
Contact us for a custom plan
Need a tailored insurance solution? Our team is ready to help you find the perfect coverage for your needs and budget.
24/7 Platform
Our emergency support team is available around the clock, 365 days a year.
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