About us

Learn more about the people and ideas behind Expat & Co.

Filip Declercq is the founder of Expat & Co Smart Insurances. With more than 30 years of experience in the insurance sector, he quickly found that specialist insurances - such as those for expats - were difficult to find. Combining his own experience as an expat in Germany and his career as an insurer, he knew just what he was looking for from an insurance policy. The idea for Expat & Co was born.

The Chameleon Principle: a unique solution for expats...

Filip developed the Chameleon Principle© because he discovered that other international insurers do not take local social securities into account, resulting in double coverage for the client. Switching between Full Cover and Top-Up coverage to complement the country benefits the client is enjoying seemed the perfect solution and has now become possible.

… offering them continuity.

Lack of continuity is a problem often faced by expats and this became another main point of focus in the development of the Chameleon Principle©. Switching coverage without any loss of benefits is possible within the same policy, irrespective of your country of residence. The policy travels with you and adapts to every local situation.

A wide range of international covers was born. 

Additionally, Filip felt that other policies on the market were singularly aimed at health coverage. This is why he developed a wide range of other international covers to choose from so that you can create coverage which has been truly tailored to meet your personal and professional needs.

We are proud of our close ties and strong working relationships with the worlds' social security institutes and companies as well as insurance brokers that are able to offer our clients excellent ratings, world-class hospital networks, 24-hour assistance around the globe and highly personalised service. Our dedicated team is at your fingertips.

Get your smart insurance.