WrLife Logo

International health insurance

full life cover

no claims, no increase !

  • interest-free monthly payment.
  • 3% max renewal increase.
  • responsible approach for pre-existing conditions.
  • citizen, living abroad and travelers welcome.
  • enroll at any age, full life cover.

Different by ethics

What makes our proposals so different ? WRLife is an independent, customer-owned, and ethical company. As such, is not pushed or pressured by shareholders to increase the market value of their shares. We do not believe in automatic annual increases in your insurance premiums, so without any claim there will be no increase! The company is shaking up the insurance industry and quickly becoming a market leader with our more personal, socially responsible and humanitarian approach. 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.

wrlife health and expat insurance introduction video

Karin V.Student

“This insurance policy meets the requirement of Covid-19 rules for returning to Thailand”

Louis H.Retired

“My family and I had several claims, always got the best service here”

Cathy A.Expat

“Over 2 years with WRLife insurance and no price increases unlike my
previous insurer”

Frequently asked questions

Yes, you need to be covered for major accidents and major hospitalizations. Do you really need a medical cover if you break your arm? This is not really necessary, because you can always find the money for that, and it is usually cheap.

You need to be covered for cancer, chronic disease, and genetic disorder, because they are very expensive.

With the improvements of the medicine, nowadays you received treatment (pills) at home without going to the hospital. A monthly treatment package can cost several thousand USD per month.

Wrlife covers, under Module 1, the cancer treatment including the treatment package that you take at home.  Wrlife covers the treatment package for chronic disease under Module 2.

WrLife does not exclude genetic disorders.

Yes, lifetime.

No. Many conventional insurance companies target high profits because they need to impress the stock markets. WrLife does not. We aim is to distribute a part of the profits to the insured and also to give back to the community by providing funding for foundations and similar projects.

Yes, we pay 10% commission for a referral, so tell all your friends (One off payment paid after a 1-year contract).

Individuals, families, groups and companies. Age between 18 and 70 years old for the enrolment. All applicants must provide details if there is any medical pre-existing condition.

In some cases, we may request additional medical information.

No, you can choose the main area where you want to be covered – anywhere except for the USA.

Yes, you are free to choose any medical provider. However, the establishment must be licensed as a medical or surgical hospital under the laws of the country where it operates.

No, in most cases if you visit a hospital that is part of our vast direct billing network, we will settle the bill with the hospital directly. In the event that you visit a hospital outside our network, you will need to pay, and then submit your claim to us, which is typically processed within 5 working days.

Those who are aware of pre-existing medical conditions may apply – but cover depends on what these are.  Pre-existing conditions may be excluded from coverage or may be covered with a loading or a moratorium period.

Yes, all our plans guarantee renewability regardless of your age or state of health.

It can be paid monthly, quarterly, bi annually or yearly without additional fees. You may pay for your insurance premiums by bank transfer or credit card or automatic debit.

No. Many medical insurers apply crazy price increases at renewal time:
anything up to 70% or more per year, especially when you get older.

Your coverage begins on the date you are accepted. This means your benefits can apply immediately after we have approved your application and received your payment. After membership acceptance, waiting periods, as listed in the table of benefits may be applied if you do not previously hold a similar insurance.

The currency of this policy is EUR, USD, GBP and Thai Baht (THB).

Yes. You may add:

1. Spouse – you must be legally married, in civil partnership or permanently living in a similar relationship with the eligible member.
2. Dependent children – including the eligible member’s own children, legally adopted children, step-children, foster-children and any other child who depends on the sole support of the eligible member. Eligible dependent children must also live with the eligible member in a customary parent-child relationship.

Conditions of age for all dependent children:
- Children under the age of 18 must be unmarried.
- Children between the age of 18 and 22 must be unmarried, in full time education, and depend solely upon the eligible member’s expatriate’s support.
- Newborn children must be enrolled within 25 days after the date of birth.

There are some medical events that we do not cover. We believe they do not diminish the benefits of our plans and by excluding them we can make the plans more affordable for everyone.

By excluding unnecessary risks (e.g. consequences of alcohol consumption) or expenses which are incurred due to personal preferences (e.g cosmetic treatment) – medical costs can be minimized; thus ensuring
the long term stability and affordability of our plan for all our members.

24/7 platform