2026-08-01 · Cogotec, Bangkok
The traditional way: gather information on a PDF, approach one or two insurers, and email a comparison days later. Renewals are manual. Policy questions go to a call centre in one timezone.
Cogotec takes first contact on WhatsApp, web or phone. Live rates across the panel. A structured comparison the same day. Nomi on the policy, 24/7. Renewals flagged before they expire.
What does not change: the human expert. Judgement about fit, hard questions to insurers, intervention on a messy claim — that stays with the Bangkok team. Technology takes the friction. Judgement stays human.
This matters more in international health insurance because 140 countries means different hospitals, billing and regulators. Expats get a comparison in minutes, not days. HR teams stop chasing member changes in a spreadsheet. NGOs can price a hardship programme while the deployment is still moving.
If a firm added “AI” as a label, ask whether the knowledge base is locked to insurer documents, whether a person is behind it, and whether they stay on the claim — not just the sale. Cogotec built it in.