International Group Health Insurance

Group Coverage that Makes Sense

Whether you are a US based organization with employees overseas, or a non-US organization employing expatriates, third country nationals or key local nationals, a dependable and cost effective international group benefit program is a necessity. Outside the United States, American employees find their traditional group benefit programs to be non-responsive, in benefits and service, to the unique situations facing them as they seek healthcare abroad.

Third country nationals and key local nationals find that their home country social medical systems rarely extend beyond the country's borders, and the availability of medical facilities within those borders may be extremely limited. As international employers seek to compete in global markets, the challenge of attracting and retaining qualified international employees can only be met with a comprehensive international group benefit program.

Eligibility

If you are a US based organization with a subsidiary or division operating outside the US, with three or more international employees, your organization is eligible. If your organization is based outside of the US, and you have three or more employees, your organization is eligible. All active and full-time (30 hours per week or more) employees are eligible, provided they reside and work 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.

Benefits and Rates

Standard US style major medical benefits include inpatient and outpatient services, prescription drugs, human organ transplants, maternity, new born care and mental or nervous disorders. International benefits include emergency medical evacuation, repatriation, medical provider referral and multilingual customer service. The group rates are extremely competitive and the application process is very simple. Just request and fill out an Online Request for Quote form (294k) and submit it to receive a proposal within 48 hours. The downloadable form is in .pdf format [requires Adobe Acrobat Reader to view].