Shieldexpats worldwide have zero critical illness coverage
Shield International Insurance · Est. 2019 · Regulated in 12 jurisdictions
Your diagnosis doesn't wait for repatriation.Neither should your payout.
One policy. One lump sum. The moment a specialist writes "malignant" or "myocardial infarction" — in any country, any hospital — the money moves. No waiting for repatriation. No employer dependency.
Avg. critical illness treatment cost abroad
USD — oncology, cardiology combined
Employer gap-plan exclusion rate
of expat group plans exclude CI
Industry avg. claim-to-payout time
Shield pays in 14 — guaranteed
Payout in
14 days.
Guaranteed.
Industry average is 94 days. We contractually commit to 14. If we miss — your next year's premium is free. That clause is on page 3 of the policy wording.
How it works
The claim process — plain English
Diagnosis confirmed
Day 0Specialist signs diagnosis form — "malignant" or "myocardial infarction" recorded.
Claim submitted digitally
Day 1–2Upload the signed form via app or email. No notarisation required in any country.
Medical review completed
Day 3–7Our in-house clinical team verifies — no third-party outsourcing, no delays.
Lump sum transferred
Day ≤14Full benefit paid to your nominated account in any currency, any country.
Coverage in
195 countries.
Wherever you land.
The policy doesn't care which passport you used at check-in, which hospital system you're in, or what language the diagnosis form is written in. The trigger is the diagnosis — not the jurisdiction.
Global network
Hover any city to see local partners
Hover a city dot to see local hospital network partners
Premium locked
for 10 years.
No renewal surprises.
When a competing insurer renews your policy, they re-price you against your current age and their current claims experience. We fix your premium at inception for a full decade. The clause is on page 7.
over 10 years
over 10 years
Rate comparison
Monthly premium — $500,000 sum assured, age 38
| Provider | Monthly (USD) | vs Year 1 |
|---|---|---|
ShieldLocked | $142 | — |
Competitor A | $247 | +79% |
Competitor B | $280 | +93% |
Competitor C | $264 | +97% |
Indicative figures based on publicly available renewal rate data, 2024. Competitor names anonymised.