Global cover is complex.
It is easy to get it wrong.
We help you get it right for expatriate employees and their family members
INTERNATIONAL PRIVATE MEDICAL INSURANCE
Short term travel insurance only covers medical emergencies, therefore is not a practical solution for permanent overseas placements. International Private Medical Insurance provides cover both for unexpected and elective treatment wherever your employees are located.
Living and working overseas can bring many benefits but it can also pose challenges for your employees. Without the safety net of the NHS, having an International Private Medical Insurance policy is a vital component of an expatriate employee’s benefits package.
A number of countries, especially in the Middle East, have passed legislation making it mandatory for expatriates to have an approved medical insurance policy in force. Without the correct cover in place they are likely to be declined a residency Visa and forced to leave the country.
If your employees become ill or have an accident they will have rapid access to the best private healthcare facilities within the selected geographic area. Most policies include Evacuation or Repatriation in the event that suitable treatment is not available locally.
International policies typically provide a higher level of benefits than UK domestic schemes, including Private Maternity, Health Checks and Chronic Conditions cover. Most will also include popular Dental and Optical benefits and several have introduced Virtual GP Services, facilitating video consultations with Doctors at any time day or night.
Global providers offer a high level of support with Multilingual Helplines open 24 hours a day throughout the year. Most have developed apps and mobile responsive websites, allowing easy access to membership details when travelling and in submitting claims.
GLOBAL EMPLOYEE ASSISTANCE PROGRAMME
Relocating to a new country and adapting to changes in circumstances can be a stressful and disorientating experience. Many companies now understand the benefits of offering an Employee Assistance Programme (EAP) to their international assignees.
When an Employee is based overseas they face additional unique challenges, especially when their normal family and friends support network may be thousands of miles away. With a Global Employee Assistance Programme, they have the peace of mind that help from a professional is just a phone call away wherever they are.
Confidential support across a range of issues is available 24/7 by phone, e-mail, text and webchat. A good Global EAP will also include face-to-face counselling if required.
Retaining talent is always a challenging task for HR professionals. Given the right support at an early stage will help maintain the positive mental health of Employees. Therefore an Employee Assistance Programme (EAP) is an essential part of a co-ordinated Global Heath & Wellbeing plan.
GLOBAL GROUP RISK
Expatriate employees have an expectation that their health and wellbeing will be fully supported in their overseas location. In order to attract and retain high quality staff it is essential to provide high quality employee benefits.
In addition to International Private Medical Insurance, we can source and manage a range of Global Group Risk benefits for internationally mobile employees:
International Group Life – cover can be provided either for death by natural causes or by any cause, offering financial protection for dependents in the unfortunate event of the death of a member of staff. The benefit can be a multiple of salary or specified sum.
Accidental Death – cover can be added to Group Life to double the benefit in the event of accidental death or set up as a standalone benefit.
Accidental Death & Dismemberment – cover can also be added to Group Life or set up as a standalone benefit; providing cover for employees in the event of the loss of a limb or sight.
Permanent Disability – provides for a lump sum payment in the event that an employee is permanently and totally disabled, without hope of recovery and unable to work.
Long Term Disability - provides cover for employees with an income if they are unable to work for an extended period due to illness or injury. The benefit commences after a deferred period, typically from 13 to 52 weeks, and replaces a percentage of salary until recovery, retirement or death. Short Term Disability is also available to cover a shorter indemnity period.
Critical Illness – provides a lump sum payment to provide support to the employee on diagnosis of a range of life changing specified medical conditions; such as Cancer, Stroke, Multiple Sclerosis or Heart Attack.
BUSINESS TRAVEL COVER
Employees can suffer unexpected difficulties when travelling abroad for business purposes. A comprehensive Travel policy will meet your duty of care to ensure that they are supported properly.
More companies are sending their employees on short overseas assignments. Healthcare costs can be substantial - especially in the USA, Singapore and Hong Kong - so good Business Travel insurance is essential to protect them from medical emergencies and difficulties encountered whilst travelling.
Normally covering worldwide trips of up to three or six months, a comprehensive annual travel policy will include the following cover:
24/7 Medical and Legal Emergency Assistance
Delays and cancellations
Evacuation or Repatriation
Business equipment and employee’s belongings
Some policies offer cover without medical exclusions and extensions can be added to include Leisure or Winter Sports cover for the employee and their family. Cover can sometimes be added to a Private Medical Insurance scheme at renewal.
It is anticipated that reciprocal emergency medical treatment will remain available to UK citizens visiting the EU post Brexit.