medical assistance. We were one of the first companies to provide specialist insurance for expats, but even as competitors joined us in the expat insurance space—they were never really like us. We weren’t an insurance multinational or an international department of a domestic insurer. We never had shareholders, investors or backing from private equity. We were (and remain) a family-owned business that specialises in insurance for expats. That’s how we provide such a refreshing member experience, and why our members renew with us year after year.