Group International Medical Plans

As an international employer, you face the prospect of providing coverage for your expatriate, third-country national, and local-country national employees with one benefit plan. These employees expect worldwide access to quality care and excellent international claims administration.

Most of the large American insurance carriers afford coverage to employees whilst overseas on a temporary or short term assignment but under American style benefits and premiums. Annual premium increases reflect on all employees when claims are traditionally lower on international employees.

It is far more cost effective to carve out international employees onto a separate international plan. The advantages are as follows:

• Deductibles and out of pocket expenses are lower.
• Premiums are reduced as healthcare costs around the world are lower.
• Full flexibility to design the benefits best suited to your company requirements.
• Include coverage such as emergency medical evacuation, repatriation and reunion.
• Immediate coverage, no waiting periods.
• HIPAA and continuation compliant.

Larger groups can elect to self fund their benefits in order to maximize the potential savings to be realized through lower claims. Please see self funded information elsewhere on this web site.