“If someone has a critical illness, and has moved to a country that isn't on our list of eligible countries for claims, then they would need to go to an eligible country to get a diagnosis in order for us to be able to pay the claim,” he says.
Despite the complications that come with protection for expats, some clients will still prefer to work with a UK-based adviser – who should also check that advising an expat client would not breach any compliance requirements.
Citing an example of a client living in Germany, Knowles at Cura says: “With some people it is simply a case [that] they’re very confident in speaking German...but they know that insurance is technically worded, [and] they just want something in their native tongue to be able to understand.”
Chloe Cheung is a senior features writer at FT Adviser
