Global Underwriters offers an impressive portfolio of group medical products that meet the ever changing needs of today’s multinational businesses and globally mobile employees. Employers and group organizations are faced with unique challenges and unforeseeable risks for employees traveling or on assignment abroad.
Our tailored International Group Travel Medical plans offer multiple medical benefit limits, deductible, and co-insurance options to meet all your international insurance needs. Optional products and services such as Political & Security Evacuation, High Limits of AD&D, Foreign General Liability, Foreign Workers Comp, Kidnap & Ransom, War Risk coverage and Crisis Management solutions can easily be augmented to comply with certain duty of care obligations and best practice procedures.
One of the biggest challenges for multinational businesses and organizations is obtaining high quality international Group Medical insurance coverage that can be tailored to meet their specific needs. Global Underwriters comprehensive travel risk management approach combines over 50 years of experience in the Global Marketplace, superior security and intelligence resources, and a dedicated international group medical underwriting division that seamlessly integrates all of our products and services to mitigate risk, reduce financial exposure, and eliminate duplication of coverage for your client.
Our tailored international group medical plans offer multiple medical benefit limits, deductible, and co-insurance options to meet the immediate insurance needs of your client. Optional products and services such as Political & Security Evacuation, High Limits of AD&D, Foreign General Liability, Foreign Workers Comp, Kidnap & Ransom, War Risk coverage, and Crisis Management solutions can easily be augmented to comply with certain duty of care obligations and best practice procedures.
*See below for more details*
Athletic Sports & Hazardous Activity Coverage – The Athletic Sports & Hazardous Activity Rider provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities. The insured can purchase coverage, with the payment of additional premium, from specific bundled options of Athletic Sports & Hazardous Activities.
Table 1:
FOR: Athletic Sports & Hazardous Activities that are
NOT: Intercollegiate or Interscholastic Athletics; Club Sports; or Organized Amateur Sports. Under this coverage, covered expenses are payable to the policy maximums.
BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding (Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.
Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.
Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).
Table 2:
FOR: Intercollegiate or Interscholastic Athletics; Club Sports; or Organized Amateur Sports. Under this coverage, covered expenses under the medical maximum are limited to $20,000.
Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.
Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.
Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.
Home Country Coverage/Follow Me Home – Incidental Trips to Your Home Country: This benefit covers you for incidental trips to your Home Country (60 days per 12 months of purchased coverage or pro rata thereof – example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to your Home Country. Follow Me Home Coverage: This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country (Does not apply for Emergency Evacuation or Repatriation).
In consideration of the payment of premium calculated in the manner stated in the policy to which the rider is attached, it is hereby agreed that for additional premium the policy is amended as follows: Any Exclusion under this Plan for “declared or undeclared war or any act thereof” is waived for an Insured Person’s loss caused in whole or in part by, or resulting in whole or in part from, declared or undeclared war or any act of declared or undeclared war, subject to the following restriction: The waiver only applies with respect to accidents that occur within the geographic limits or territorial waters of, or airspace above the geographic limits or territorial waters of a Designated War Risk Territory (as defined herein). War Risk Coverage in a high risk country (listed below) requires payment of an additional premium and advance notice of travel. Termination Date- War Risk Coverage ends on the earliest of: (1) the date the Policy terminates; (2) the date specified in the Company’s written notice to the Policyholder or Participating Organization of the Company’s intent to terminate War Risk Coverage (or 10 days after the date the written notice is received by the Policyholder or Participating Organization, if later).Termination of War Risk Coverage will not affect a claim for a covered loss that occurred while War Risk Coverage was in effect.
War Risk Area 1 (High War Risk – coverage is mandatory – covers your travels to countries in War Risk Areas 1, 2, and 3)
Afghanistan, Algeria, Cameroon, Iraq, Israel, Libya, Nigeria, North Korea, Pakistan, Palestinian Territories, Russian Federation (North Caucasus Region of Russia), Saudi Arabia, Somalia, Syria, Ukraine and Yemen.
War Risk Area 2 (Medium War Risk – coverage is highly recommended – covers your travels to countries in War Risk Areas 2 and 3)
Armenia, Azerbaijan, Bahrain, Bangladesh, Bolivia, Burma, Burundi, Central African Republic, Chad, Colombia, Dem. Republic of Congo, East Timor, Egypt, Eritrea, Haiti, India (Jammu, Kashmir and Mumbai), Indonesia, Ivory Coast, Kenya, Kyrgyzstan, Lebanon, Liberia, Mali, Mauritania, Mexico, Nepal, Niger, Oman, Papua New Guinea, Philippines, Qatar, Sierra Leone, South Sudan, Sri Lanka, Sudan, Uzbekistan, Venezuela and Zimbabwe.
War Risk Area 3 (Low War Risk – recommended – covers your travels to countries in War Risk Area 3)
All other countries not listed in Area 1 or Area 2 locations.
We provide Country Specific Information for every country of the world. For each country, you will find information like the location of the U.S. embassy and any consular offices; whether you need a visa; crime and security information; health and medical conditions; drug penalties; and localized hot spots. This is a good place to start learning about where you are going.
Changes in Terms and Conditions – The terms and conditions of War Risk Coverage, including but not limited to the definition of the Designated War Risk Territory(ies), may be changed at any time to reflect conditions that, in the opinion of the Company, constitute a change in the war risk exposure of the Participating Organization or the Insured Person.
Successful, high quality international claim adjudication and processing requires a high level of expertise and experience. Annually, our administration team responds to approximately 80,000 phone calls, processes more than 20,000 claims, and coordinates approximately 80 evacuations/repatriations a year.
“Global Underwriters really helped us understand some of the gaps in coverage and they quickly pointed out areas where we were either uninsured or underinsured for international risks, we really appreciated all their help. Thank you!"
- Wesley (Florida, USA)
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