Santexpat

Santexpat.fr operates as a digital brokerage platform focused on providing health insurance solutions for French expatriates and international travelers. Founded in 2019 by Jean-Christophe Pandolfi, an insurance expert with his own expatriate experience in the United States, the company aims to simplify the complex process of securing international health coverage. Pandolfi identified the need for a streamlined comparison service while working as an insurance broker for French companies in the US. The platform was officially launched in April 2020.

The company's business model is centered around an online comparison tool that allows users to find and subscribe to insurance plans directly. By answering three initial questions, an algorithm presents users with a selection of the most suitable offers from over 30 partner insurers, comparing more than 300 different plans. Santexpat.fr generates revenue by acting as a broker, and its service is offered at no extra cost to the insured; prices are the same as or sometimes lower than going directly through the insurer. The platform serves a diverse client base, including individual expatriates, students, digital nomads, seniors, and corporate clients seeking coverage for their employees abroad. In late 2024, the company secured a significant partnership with Business France to insure all of its international employees.

The platform's core service is a free and non-binding comparison of health insurance plans covering over 200 countries. Users can tailor their coverage based on specific needs such as optical, dental, maternity, or repatriation. Beyond simple comparison, Santexpat.fr provides access to human advisors for personalized support and facilitates health services like 24/7 teleconsultations with French-speaking doctors. A key milestone was the company's Series A funding round in June 2023, raising €3 million from investors including Malakoff Humanis, Swiss Life France, BNP Paribas, and Bpifrance. This was followed by further investment in late 2024 to fuel international expansion, including the opening of a subsidiary in Miami to serve as a hub for the American markets. The company reported reaching operational profitability by the end of 2024.

Keywords: international health insurance, expatriate insurance, insurance brokerage, InsurTech, French expatriates, travel insurance, digital nomad insurance, corporate expatriate insurance, health services, telemedicine, insurance comparison, Jean-Christophe Pandolfi, Caisse des Français de l'Étranger (CFE), global mobility, employee benefits, student travel insurance, senior expatriate insurance, international healthcare, B2B insurance solutions, repatriation insurance