Key Insights
The global expat insurance market, currently valued at $565 million in 2025, is projected to experience robust growth, driven by several key factors. The increasing number of expatriates worldwide, fueled by globalization and international business expansion, forms a significant cornerstone of this market's expansion. Furthermore, rising concerns about healthcare costs abroad and the need for comprehensive coverage beyond national healthcare systems are compelling more individuals and corporations to invest in expat insurance plans. Government regulations promoting employee welfare and international travel safety standards further contribute to this market's upward trajectory. Competition among major players like AXA, Allianz Care, Cigna Global, and Bupa Group is intense, leading to innovative product offerings and competitive pricing strategies. The market is segmented based on coverage type (health, travel, life), policy duration, and geographic location, with regional variations in demand depending on factors such as local healthcare infrastructure and expatriate population density. The consistent 6.4% CAGR indicates a sustained period of growth, promising significant market expansion over the forecast period.

Expat Insurance Market Size (In Million)

Looking ahead to 2033, the market is poised for continued expansion. Factors such as the increasing prevalence of remote work arrangements, which often involve international assignments, are expected to fuel demand. The incorporation of technologically advanced features like telehealth and digital claims processing will also enhance market appeal. However, challenges remain, including fluctuations in global economic conditions and the potential for geopolitical instability influencing expatriate mobility. Nevertheless, the long-term outlook remains positive, with significant opportunities for market expansion and innovation within the expat insurance sector. Effective risk management strategies and proactive adaptations to changing market dynamics will be crucial for players aiming to maintain a competitive edge in this evolving landscape.

Expat Insurance Company Market Share

Expat Insurance Market Report: 2019-2033
This comprehensive report provides a detailed analysis of the global expat insurance market, covering the period 2019-2033. It offers invaluable insights for industry professionals, investors, and strategic decision-makers seeking to understand market dynamics, growth trends, and future opportunities in this dynamic sector. The report leverages extensive data analysis and expert forecasts to present a clear and actionable overview of the expat insurance landscape. The market size is predicted to reach xx million by 2033, exhibiting a compelling CAGR. This report segments the market by key players, geographic regions, and product types, providing a granular view of the competitive landscape and growth drivers.
Parent Market: Global Insurance Market (Market size in 2025: $5,000,000 million) Child Market: International Health Insurance
Expat Insurance Market Dynamics & Structure
This section delves into the intricacies of the expat insurance market structure, providing a detailed analysis of market concentration, technological innovation, regulatory frameworks, and competitive dynamics. We examine the impact of mergers and acquisitions (M&A) activity and assess the influence of demographic shifts on market demand.
- Market Concentration: The market is moderately concentrated, with the top 10 players holding an estimated xx% market share in 2025. The market displays intense competition, particularly amongst global players.
- Technological Innovation: Digitalization is a significant driver, with the increasing adoption of telehealth and online platforms influencing market growth. However, data security and regulatory compliance pose challenges to innovation.
- Regulatory Frameworks: Varying regulatory landscapes across different countries significantly impact market access and operational costs. Compliance with data privacy regulations (e.g., GDPR) is crucial.
- Competitive Product Substitutes: Limited direct substitutes exist, but competition arises from alternative health coverage solutions offered by employers or local health systems.
- End-User Demographics: The market is driven by the increasing number of expatriates globally, particularly from developed countries, and evolving needs for comprehensive international health coverage.
- M&A Trends: The past five years have seen xx M&A deals in the expat insurance sector, driven by consolidation and expansion strategies, largely impacting the market share of top players. The average deal size was approximately xx million.
Expat Insurance Growth Trends & Insights
This section analyzes the historical and projected growth of the expat insurance market. We project a steady increase in market size, driven by factors such as rising expatriate populations, evolving consumer preferences, and technological advancements.
The expat insurance market witnessed significant growth during the historical period (2019-2024), with a CAGR of xx%. The market size is estimated to be xx million in 2025 and is projected to reach xx million by 2033, reflecting a CAGR of xx% during the forecast period (2025-2033). This growth is fueled by increasing global mobility, a rising demand for comprehensive health coverage among expatriates, and the growing adoption of digital health solutions. Increased awareness of the risks associated with international travel and the complexities of accessing healthcare in foreign countries is driving demand. Consumer behavior shifts toward increased preference for digital interactions and personalized solutions further boost market growth. Technological disruptions such as the integration of AI and blockchain are expected to improve service efficiency and transparency.
Dominant Regions, Countries, or Segments in Expat Insurance
North America and Europe currently hold the largest market share in the expat insurance market, largely attributed to the significant number of expatriates originating from and residing in these regions. Asia-Pacific presents a rapidly expanding market, showing substantial growth potential.
- North America: High expat population, robust insurance infrastructure, and a well-established regulatory framework drive market dominance.
- Europe: Similar factors to North America, alongside the prevalence of international organizations and multinational corporations with expatriate employees contribute to its significant share.
- Asia-Pacific: Rapid economic growth, increasing expatriate workforce, and expanding middle class fuels significant growth potential. However, varying regulatory environments and market maturity levels pose certain challenges.
Expat Insurance Product Landscape
The expat insurance product landscape is characterized by diverse coverage options, ranging from basic medical coverage to comprehensive plans incorporating travel insurance, emergency medical evacuation, and repatriation. Innovations include telemedicine integration, digital health platforms, and personalized risk assessment tools to enhance service delivery and customer experience. Unique selling propositions (USPs) often involve extensive global network access, multilingual customer support, and seamless claims processing.
Key Drivers, Barriers & Challenges in Expat Insurance
Key Drivers:
- Increasing global mobility
- Rising demand for comprehensive international health coverage
- Technological advancements (telemedicine, digital platforms)
- Favorable government policies and initiatives promoting international trade and investment.
Key Barriers and Challenges:
- Varying regulatory landscapes across countries
- Data security and privacy concerns
- High operational costs, especially in managing claims across diverse jurisdictions.
- Intense competition among established players and new entrants.
Emerging Opportunities in Expat Insurance
- Expansion into untapped markets (e.g., Africa, Latin America) with high growth potential.
- Development of specialized products catering to niche segments (e.g., digital nomads, students).
- Integration of innovative technologies (e.g., AI, blockchain) to enhance efficiency and customer experience.
Growth Accelerators in the Expat Insurance Industry
Strategic partnerships between insurance providers and global employers or relocation services will drive market growth. Furthermore, technological breakthroughs like AI-powered risk assessment and fraud detection will enhance efficiency and reduce operational costs. Expanding into underserved markets, adapting products to cater to evolving customer needs, and leveraging digital channels to enhance distribution will contribute to market expansion.
Key Players Shaping the Expat Insurance Market
- AXA
- IMG
- Allianz Care
- GeoBlue
- Unisure Group
- Cigna Global
- William Russell
- Expatriate Group
- Bupa Group
- Foyer Global Health
- Aetna International
Notable Milestones in Expat Insurance Sector
- 2020: Increased adoption of telehealth due to the COVID-19 pandemic.
- 2021: Several key players launched enhanced digital platforms for claims processing.
- 2022: Significant investments in AI-driven risk assessment technologies.
- 2023: Several mergers and acquisitions among mid-sized players.
In-Depth Expat Insurance Market Outlook
The expat insurance market is poised for sustained growth driven by increasing global mobility, technological advancements, and evolving customer preferences. Strategic partnerships, expansion into new markets, and product innovation will be pivotal for success. Players focusing on digital transformation and personalized solutions are well-positioned to capitalize on emerging opportunities. The market's future potential is significant, with substantial room for expansion and innovation.
Expat Insurance Segmentation
-
1. Application
- 1.1. Individuals
- 1.2. Corporates
-
2. Type
- 2.1. Long-term
- 2.2. Short-term
Expat Insurance Segmentation By Geography
-
1. North America
- 1.1. United States
- 1.2. Canada
- 1.3. Mexico
-
2. South America
- 2.1. Brazil
- 2.2. Argentina
- 2.3. Rest of South America
-
3. Europe
- 3.1. United Kingdom
- 3.2. Germany
- 3.3. France
- 3.4. Italy
- 3.5. Spain
- 3.6. Russia
- 3.7. Benelux
- 3.8. Nordics
- 3.9. Rest of Europe
-
4. Middle East & Africa
- 4.1. Turkey
- 4.2. Israel
- 4.3. GCC
- 4.4. North Africa
- 4.5. South Africa
- 4.6. Rest of Middle East & Africa
-
5. Asia Pacific
- 5.1. China
- 5.2. India
- 5.3. Japan
- 5.4. South Korea
- 5.5. ASEAN
- 5.6. Oceania
- 5.7. Rest of Asia Pacific

Expat Insurance Regional Market Share

Geographic Coverage of Expat Insurance
Expat Insurance REPORT HIGHLIGHTS
| Aspects | Details |
|---|---|
| Study Period | 2020-2034 |
| Base Year | 2025 |
| Estimated Year | 2026 |
| Forecast Period | 2026-2034 |
| Historical Period | 2020-2025 |
| Growth Rate | CAGR of 6.4% from 2020-2034 |
| Segmentation |
|
Table of Contents
- 1. Introduction
- 1.1. Research Scope
- 1.2. Market Segmentation
- 1.3. Research Methodology
- 1.4. Definitions and Assumptions
- 2. Executive Summary
- 2.1. Introduction
- 3. Market Dynamics
- 3.1. Introduction
- 3.2. Market Drivers
- 3.3. Market Restrains
- 3.4. Market Trends
- 4. Market Factor Analysis
- 4.1. Porters Five Forces
- 4.2. Supply/Value Chain
- 4.3. PESTEL analysis
- 4.4. Market Entropy
- 4.5. Patent/Trademark Analysis
- 5. Global Expat Insurance Analysis, Insights and Forecast, 2020-2032
- 5.1. Market Analysis, Insights and Forecast - by Application
- 5.1.1. Individuals
- 5.1.2. Corporates
- 5.2. Market Analysis, Insights and Forecast - by Type
- 5.2.1. Long-term
- 5.2.2. Short-term
- 5.3. Market Analysis, Insights and Forecast - by Region
- 5.3.1. North America
- 5.3.2. South America
- 5.3.3. Europe
- 5.3.4. Middle East & Africa
- 5.3.5. Asia Pacific
- 5.1. Market Analysis, Insights and Forecast - by Application
- 6. North America Expat Insurance Analysis, Insights and Forecast, 2020-2032
- 6.1. Market Analysis, Insights and Forecast - by Application
- 6.1.1. Individuals
- 6.1.2. Corporates
- 6.2. Market Analysis, Insights and Forecast - by Type
- 6.2.1. Long-term
- 6.2.2. Short-term
- 6.1. Market Analysis, Insights and Forecast - by Application
- 7. South America Expat Insurance Analysis, Insights and Forecast, 2020-2032
- 7.1. Market Analysis, Insights and Forecast - by Application
- 7.1.1. Individuals
- 7.1.2. Corporates
- 7.2. Market Analysis, Insights and Forecast - by Type
- 7.2.1. Long-term
- 7.2.2. Short-term
- 7.1. Market Analysis, Insights and Forecast - by Application
- 8. Europe Expat Insurance Analysis, Insights and Forecast, 2020-2032
- 8.1. Market Analysis, Insights and Forecast - by Application
- 8.1.1. Individuals
- 8.1.2. Corporates
- 8.2. Market Analysis, Insights and Forecast - by Type
- 8.2.1. Long-term
- 8.2.2. Short-term
- 8.1. Market Analysis, Insights and Forecast - by Application
- 9. Middle East & Africa Expat Insurance Analysis, Insights and Forecast, 2020-2032
- 9.1. Market Analysis, Insights and Forecast - by Application
- 9.1.1. Individuals
- 9.1.2. Corporates
- 9.2. Market Analysis, Insights and Forecast - by Type
- 9.2.1. Long-term
- 9.2.2. Short-term
- 9.1. Market Analysis, Insights and Forecast - by Application
- 10. Asia Pacific Expat Insurance Analysis, Insights and Forecast, 2020-2032
- 10.1. Market Analysis, Insights and Forecast - by Application
- 10.1.1. Individuals
- 10.1.2. Corporates
- 10.2. Market Analysis, Insights and Forecast - by Type
- 10.2.1. Long-term
- 10.2.2. Short-term
- 10.1. Market Analysis, Insights and Forecast - by Application
- 11. Competitive Analysis
- 11.1. Global Market Share Analysis 2025
- 11.2. Company Profiles
- 11.2.1 AXA
- 11.2.1.1. Overview
- 11.2.1.2. Products
- 11.2.1.3. SWOT Analysis
- 11.2.1.4. Recent Developments
- 11.2.1.5. Financials (Based on Availability)
- 11.2.2 IMG
- 11.2.2.1. Overview
- 11.2.2.2. Products
- 11.2.2.3. SWOT Analysis
- 11.2.2.4. Recent Developments
- 11.2.2.5. Financials (Based on Availability)
- 11.2.3 Allianz Care
- 11.2.3.1. Overview
- 11.2.3.2. Products
- 11.2.3.3. SWOT Analysis
- 11.2.3.4. Recent Developments
- 11.2.3.5. Financials (Based on Availability)
- 11.2.4 GeoBlue
- 11.2.4.1. Overview
- 11.2.4.2. Products
- 11.2.4.3. SWOT Analysis
- 11.2.4.4. Recent Developments
- 11.2.4.5. Financials (Based on Availability)
- 11.2.5 Unisure Group
- 11.2.5.1. Overview
- 11.2.5.2. Products
- 11.2.5.3. SWOT Analysis
- 11.2.5.4. Recent Developments
- 11.2.5.5. Financials (Based on Availability)
- 11.2.6 Cigna Global
- 11.2.6.1. Overview
- 11.2.6.2. Products
- 11.2.6.3. SWOT Analysis
- 11.2.6.4. Recent Developments
- 11.2.6.5. Financials (Based on Availability)
- 11.2.7 William Russell
- 11.2.7.1. Overview
- 11.2.7.2. Products
- 11.2.7.3. SWOT Analysis
- 11.2.7.4. Recent Developments
- 11.2.7.5. Financials (Based on Availability)
- 11.2.8 Expatriate Group
- 11.2.8.1. Overview
- 11.2.8.2. Products
- 11.2.8.3. SWOT Analysis
- 11.2.8.4. Recent Developments
- 11.2.8.5. Financials (Based on Availability)
- 11.2.9 Bupa Group
- 11.2.9.1. Overview
- 11.2.9.2. Products
- 11.2.9.3. SWOT Analysis
- 11.2.9.4. Recent Developments
- 11.2.9.5. Financials (Based on Availability)
- 11.2.10 Foyer Global Health
- 11.2.10.1. Overview
- 11.2.10.2. Products
- 11.2.10.3. SWOT Analysis
- 11.2.10.4. Recent Developments
- 11.2.10.5. Financials (Based on Availability)
- 11.2.11 Aetna international
- 11.2.11.1. Overview
- 11.2.11.2. Products
- 11.2.11.3. SWOT Analysis
- 11.2.11.4. Recent Developments
- 11.2.11.5. Financials (Based on Availability)
- 11.2.1 AXA
List of Figures
- Figure 1: Global Expat Insurance Revenue Breakdown (million, %) by Region 2025 & 2033
- Figure 2: North America Expat Insurance Revenue (million), by Application 2025 & 2033
- Figure 3: North America Expat Insurance Revenue Share (%), by Application 2025 & 2033
- Figure 4: North America Expat Insurance Revenue (million), by Type 2025 & 2033
- Figure 5: North America Expat Insurance Revenue Share (%), by Type 2025 & 2033
- Figure 6: North America Expat Insurance Revenue (million), by Country 2025 & 2033
- Figure 7: North America Expat Insurance Revenue Share (%), by Country 2025 & 2033
- Figure 8: South America Expat Insurance Revenue (million), by Application 2025 & 2033
- Figure 9: South America Expat Insurance Revenue Share (%), by Application 2025 & 2033
- Figure 10: South America Expat Insurance Revenue (million), by Type 2025 & 2033
- Figure 11: South America Expat Insurance Revenue Share (%), by Type 2025 & 2033
- Figure 12: South America Expat Insurance Revenue (million), by Country 2025 & 2033
- Figure 13: South America Expat Insurance Revenue Share (%), by Country 2025 & 2033
- Figure 14: Europe Expat Insurance Revenue (million), by Application 2025 & 2033
- Figure 15: Europe Expat Insurance Revenue Share (%), by Application 2025 & 2033
- Figure 16: Europe Expat Insurance Revenue (million), by Type 2025 & 2033
- Figure 17: Europe Expat Insurance Revenue Share (%), by Type 2025 & 2033
- Figure 18: Europe Expat Insurance Revenue (million), by Country 2025 & 2033
- Figure 19: Europe Expat Insurance Revenue Share (%), by Country 2025 & 2033
- Figure 20: Middle East & Africa Expat Insurance Revenue (million), by Application 2025 & 2033
- Figure 21: Middle East & Africa Expat Insurance Revenue Share (%), by Application 2025 & 2033
- Figure 22: Middle East & Africa Expat Insurance Revenue (million), by Type 2025 & 2033
- Figure 23: Middle East & Africa Expat Insurance Revenue Share (%), by Type 2025 & 2033
- Figure 24: Middle East & Africa Expat Insurance Revenue (million), by Country 2025 & 2033
- Figure 25: Middle East & Africa Expat Insurance Revenue Share (%), by Country 2025 & 2033
- Figure 26: Asia Pacific Expat Insurance Revenue (million), by Application 2025 & 2033
- Figure 27: Asia Pacific Expat Insurance Revenue Share (%), by Application 2025 & 2033
- Figure 28: Asia Pacific Expat Insurance Revenue (million), by Type 2025 & 2033
- Figure 29: Asia Pacific Expat Insurance Revenue Share (%), by Type 2025 & 2033
- Figure 30: Asia Pacific Expat Insurance Revenue (million), by Country 2025 & 2033
- Figure 31: Asia Pacific Expat Insurance Revenue Share (%), by Country 2025 & 2033
List of Tables
- Table 1: Global Expat Insurance Revenue million Forecast, by Application 2020 & 2033
- Table 2: Global Expat Insurance Revenue million Forecast, by Type 2020 & 2033
- Table 3: Global Expat Insurance Revenue million Forecast, by Region 2020 & 2033
- Table 4: Global Expat Insurance Revenue million Forecast, by Application 2020 & 2033
- Table 5: Global Expat Insurance Revenue million Forecast, by Type 2020 & 2033
- Table 6: Global Expat Insurance Revenue million Forecast, by Country 2020 & 2033
- Table 7: United States Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 8: Canada Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 9: Mexico Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 10: Global Expat Insurance Revenue million Forecast, by Application 2020 & 2033
- Table 11: Global Expat Insurance Revenue million Forecast, by Type 2020 & 2033
- Table 12: Global Expat Insurance Revenue million Forecast, by Country 2020 & 2033
- Table 13: Brazil Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 14: Argentina Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 15: Rest of South America Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 16: Global Expat Insurance Revenue million Forecast, by Application 2020 & 2033
- Table 17: Global Expat Insurance Revenue million Forecast, by Type 2020 & 2033
- Table 18: Global Expat Insurance Revenue million Forecast, by Country 2020 & 2033
- Table 19: United Kingdom Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 20: Germany Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 21: France Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 22: Italy Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 23: Spain Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 24: Russia Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 25: Benelux Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 26: Nordics Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 27: Rest of Europe Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 28: Global Expat Insurance Revenue million Forecast, by Application 2020 & 2033
- Table 29: Global Expat Insurance Revenue million Forecast, by Type 2020 & 2033
- Table 30: Global Expat Insurance Revenue million Forecast, by Country 2020 & 2033
- Table 31: Turkey Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 32: Israel Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 33: GCC Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 34: North Africa Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 35: South Africa Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 36: Rest of Middle East & Africa Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 37: Global Expat Insurance Revenue million Forecast, by Application 2020 & 2033
- Table 38: Global Expat Insurance Revenue million Forecast, by Type 2020 & 2033
- Table 39: Global Expat Insurance Revenue million Forecast, by Country 2020 & 2033
- Table 40: China Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 41: India Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 42: Japan Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 43: South Korea Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 44: ASEAN Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 45: Oceania Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
- Table 46: Rest of Asia Pacific Expat Insurance Revenue (million) Forecast, by Application 2020 & 2033
Frequently Asked Questions
1. What is the projected Compound Annual Growth Rate (CAGR) of the Expat Insurance?
The projected CAGR is approximately 6.4%.
2. Which companies are prominent players in the Expat Insurance?
Key companies in the market include AXA, IMG, Allianz Care, GeoBlue, Unisure Group, Cigna Global, William Russell, Expatriate Group, Bupa Group, Foyer Global Health, Aetna international.
3. What are the main segments of the Expat Insurance?
The market segments include Application, Type.
4. Can you provide details about the market size?
The market size is estimated to be USD 565 million as of 2022.
5. What are some drivers contributing to market growth?
N/A
6. What are the notable trends driving market growth?
N/A
7. Are there any restraints impacting market growth?
N/A
8. Can you provide examples of recent developments in the market?
N/A
9. What pricing options are available for accessing the report?
Pricing options include single-user, multi-user, and enterprise licenses priced at USD 4900.00, USD 7350.00, and USD 9800.00 respectively.
10. Is the market size provided in terms of value or volume?
The market size is provided in terms of value, measured in million.
11. Are there any specific market keywords associated with the report?
Yes, the market keyword associated with the report is "Expat Insurance," which aids in identifying and referencing the specific market segment covered.
12. How do I determine which pricing option suits my needs best?
The pricing options vary based on user requirements and access needs. Individual users may opt for single-user licenses, while businesses requiring broader access may choose multi-user or enterprise licenses for cost-effective access to the report.
13. Are there any additional resources or data provided in the Expat Insurance report?
While the report offers comprehensive insights, it's advisable to review the specific contents or supplementary materials provided to ascertain if additional resources or data are available.
14. How can I stay updated on further developments or reports in the Expat Insurance?
To stay informed about further developments, trends, and reports in the Expat Insurance, consider subscribing to industry newsletters, following relevant companies and organizations, or regularly checking reputable industry news sources and publications.
Methodology
Step 1 - Identification of Relevant Samples Size from Population Database



Step 2 - Approaches for Defining Global Market Size (Value, Volume* & Price*)

Note*: In applicable scenarios
Step 3 - Data Sources
Primary Research
- Web Analytics
- Survey Reports
- Research Institute
- Latest Research Reports
- Opinion Leaders
Secondary Research
- Annual Reports
- White Paper
- Latest Press Release
- Industry Association
- Paid Database
- Investor Presentations

Step 4 - Data Triangulation
Involves using different sources of information in order to increase the validity of a study
These sources are likely to be stakeholders in a program - participants, other researchers, program staff, other community members, and so on.
Then we put all data in single framework & apply various statistical tools to find out the dynamic on the market.
During the analysis stage, feedback from the stakeholder groups would be compared to determine areas of agreement as well as areas of divergence


