Global Expatriate Benefits

Overview

Global Underwriters offers an impressive portfolio of comprehensive Global Benefits that meet the changing needs of today’s multinational businesses with globally mobile populations. Multinational employers and group organizations are faced with unique challenges and unforeseeable risks for employees traveling or on assignment abroad. Global Underwriters’ International benefits deliver both Global Health Care insurance solutions and Travel Risk Management (TRM) strategies for any U.S. based multinational company or organization with employees or group members assigned abroad.

Seamless plan designs are available worldwide and allow the client to pick and choose from several different pre-designed plans which offer a low, medium and high benefit option, or we can customize a plan to meet the specific needs of the client. Global Expat Benefits include, but are not limited to – Medical, Life, Long Term Disability, Dental (LTD), Vision, Portability, Business Travel, Medevac/Repatriation, Travel Assistance, Crisis Management and a variety of other Travel Risk Management strategies and services.

Eligibility

Who is eligible for Global Expatriate Benefits

• Expatriate (expat): U.S. employee’s or group members on assignment abroad.
• Inpatriate (inpat): Foreign National employees or group members on assignment in U.S.
• Third Country Nationals (TCN): Non-U.S. employees or group members working outside their home country, but not working in the U.S.
• Local Nationals (LN): Local employees or group members working in their home country.
• Family Members: They can be covered too.

Benefits

Attracting and retaining productive employees and group members is essential for any organization with a globally mobile population. The complexities of navigating and managing certain geopolitical issues, language barriers, cultural differences, and compliance requirements in different countries can be a daunting task for any multinational company or organization. Global Underwriters’ International Expat Benefit solutions are designed to make the process easy, efficient and seamless. We know your employees and group members are your most important asset, so all of our Global Benefits and ancillary products and services carefully consider current “duty of care obligations” and “best practice” procedures for your company or organizations.

• Global Group Health Benefits
• Group Life & Accidental Death & Dismemberment
• Long Term Group Disability
• Dental & Vision
• Rx Drugs
• Business & Personal Travel Protection
• Crisis Management & Response
• Security & Intelligence
• Personal Protection
• Travel Tracking & Intelligence

Emergency Air Evacuation & Repatriation

Emergency Medical Air Evacuation is one of the most important benefits included as part of any multinational benefit plan. Many group health plans do not adequately pay for Medical Evacuations if you are out of network, traveling or on assignment abroad, and virtually none of them will make the necessary arrangements to coordinate and pay for the actual evacuation.

Emergency Medical Air Evacuation is necessary for critical medical conditions that need immediate attention or transportation from the point of injury (whether it’s a remote location or away from a densely populated area) to an adequate medical facility. That’s why it’s so important to have a policy that responds immediately to these types of emergency situations. Communication and coordination between the insured, medical team, medical facility, employer (if necessary) and the assistance company are critical to the success of any Emergency Medical Evacuation or Repatriation scenario.

24-Hour Worldwide Assistance Services

Language barriers, unfamiliar cultures and scarcity of quality health care facilities and providers can cause anxiety to anyone residing or traveling overseas. When a crisis or an emergency situation presents itself, it’s nice to know that one call does it all as far as getting you immediate assistance anywhere in the world. Highly experienced U.S. certified medical staff and doctors are always prepared to provide prompt, efficient and seamless professional service.

• Complete 24-hour worldwide assistance, 365 days a year
• Multilingual representatives who can speak the local language
• Access to international preferred provider network including hospitals, clinics, doctors, ambulance companies and medical equipment companies
• Evaluation and close monitoring of treatment via medical advisers who continually consult with treating doctors and assess the quality of care and treatment plan
• Facilitation of U.S. and international hospital admissions
• Continuous personal contact between family, insurance companies, physicians and employers
• Coordination of direct payment to providers and medical facilities
• Coordination and monitoring of medically supervised evacuation
• Repatriation of mortal remains
• Pre-planning of medical support and evacuations in remote areas