Insurance review
Costas Matheou
Co-founder, DigiCare, insurance review
Costas Matheou co-founded DigiCare and is a licensed insurance agent in Cyprus, registered with the Insurance Companies Control Service. He is not licensed in the United States. He reviews DigiCare's US pages for how coverage works, not for what any US state requires, which is cited to the regulator.
The credential, in full
What he holds
- Licence
- Licensed insurance agent in Cyprus
- Framework
- EU Insurance Distribution Directive (IDD)
- Languages
- Greek, English, Russian
What he does not hold
Costas is not licensed as an insurance producer in the United States, in any state. US insurance licensing is state by state, and a Cyprus licence carries no authority here. He does not sell, solicit, negotiate or advise on US insurance, and nothing he reviews on this site is a licensed opinion.
If you need advice on your own situation, that has to come from a producer licensed in your state, someone who can be held responsible for it. Your state Department of Insurance keeps a public licence lookup.
Background
Costas Matheou co-founded DigiCare and is a licensed insurance agent in Cyprus, registered with the Insurance Companies Control Service at the Ministry of Finance. He is not licensed in the United States and does not sell, solicit or negotiate insurance here.
His practice is in Cyprus motor, health, property and business insurance: placing policies with the major Cyprus carriers, reading certificate wording against what a client was actually told, and handling claims when they are declined. That is the part of insurance that does not change at a border: a deductible, an exclusion, a benefit maximum and a pre-existing condition clause work the same way in Nicosia and in Houston.
On DigiCare's US pages his job is that transferable half: checking that we describe how coverage works correctly, that a comparison is fair to both plans, and that nothing on a page would lead a reader into a decision an insurance professional would warn them away from. The half that does not transfer, what a specific US state requires, is cited to the body that sets the rule, not to him.
What his review covers
Two halves, and only one of them is his
Insurance splits cleanly into how coverage works and what a jurisdiction requires. The first half does not change at a border: a deductible, an exclusion and a benefit maximum behave the same way everywhere. The second half changes at every state line. Costas reviews the first. The second is cited to the body that sets it.
He reviews
- How a coverage type works, and whether we have described it accurately
- Whether a plan comparison is fair, or quietly weighted toward one side
- Exclusions and limits we should have named and did not
- Claims-stage consequences a reader would not see coming at purchase
- Whether a page would lead someone into a decision he would warn a client away from
He does not review
- State-specific US requirements such as minimum liability, filing types, exchange rules. These are cited to the state Department of Insurance, the NAIC, CMS or the Federal Register
- Anything constituting insurance advice to a US consumer, which would require a producer licence in that consumer's state
- Approving, endorsing or placing any US policy
Subject areas
- Insurance policy structure and certificate wording
- Deductibles, coverage limits and benefit maximums
- Policy exclusions and pre-existing condition clauses
- Claims handling and claims mechanics
- Motor, health, property and business insurance
- Insurance distribution under the EU IDD
Verify him yourself
A reviewer you cannot check is not a trust signal. These are independent records of the same person:
The rest of how a page gets made
A reviewer is one of five steps. The others cover which sources qualify, how prices are presented as estimates, how pages are dated, and how we correct mistakes.
How we reviewPage last updated August 2, 2026.