International > Group Health Insurance > MultiNational Underwriters

International Group Health Insurance

Is my organization eligible for the MultiNational GroupSecure Plan?

• If you are a US based organization with a subsidiary or division operating outside the US, with 3 or more international employees, your organization is eligible.
• If your organization is based outside the US, and you have 3 or more employees, your organization is eligible.
• All active, full-time (30 hours per week or more) employees are eligible, provided they reside and work primarily outside the US. All Spouses and Dependent children under the age of 19 (23 if full-time student) are eligible, regardless of where they reside.

Underwriting requirements for the MultiNational GroupSecure Plan?

If you have 10 or less international employees, a completed medical questionnaire must be submitted and approved for each employee and dependent to be covered. If you have 11 or more international employees, a completed simplified medical questionnaire must be submitted and approved for each employee and dependent to be covered. This requirement may be waived if you provide at least 3 years of claims history on your international group, from your present or prior insurer. At least 80% of your international employees must participate in the insurance.

When does Coverage Begin and End?

For Employees and Dependents who were covered on the day immediately preceding the Effective Date of the MultiNational GroupSecure Plan, coverage becomes effective immediately, provided they have satisfied the Waiting Period selected by the employer. For newly formed International Groups and new Employees and Dependents added throughout the year, coverage becomes effective on the first day of the month following the Waiting Period selected by the employer, provided the appropriate medical questionnaire has been submitted and approved within the first 30 days of employment.

Coverage ends on the date employment terminates, the date of the employee's retirement, the date the employee becomes eligible for a US group benefit plan, or twelve months following the employee's return to the US -- whichever first occurs. Some groups are required to extend COBRA benefits to terminating employees. In these circumstances, the MultiNational GroupSecure Plan provides for such extension.