Expat Insurance
As an employer, ensure your employees’ safety by providing optimal protection of their own and their family's wellbeing.
As a result of globalization, companies are sending their employees abroad more often. According to this trend, businesses need a high-quality solution to cover their most valuable asset; their employees. Spending time abroad can involve some risks. The Expatriate Care and Expatriate Modular Care insurances are flexible and wide-ranging policies with extensive coverage and numerous services.
Expatriate Care
Comprehensive core plan, including:
- Medical expenses benefits including cover for hospitalization and out-patient surgery, hospital cash benefits, out-patient care, local ambulances, private nursing, maternity and childbirth, cancer care and organ transplants up to €7,5m, €5m or €2,5m depending on the selected cover.
- 24 hour access to a multilingual contact center,365 days a year.
- Worldwide network of hospitals – and direct billing settlement with the hospitals for in and out-patient care where possible.
- Assistance package, including online telehealth services and the option of an expert medical opinion.
- Political evacuation, third party liability and legal assistance cover.
- Online access to policy and claims information.
Optional benefits available:
- Dental and Vision care and Hearing Aids
- Personal Accident Plan
- Personal Property
- Travel
Expatriate Modular Care
Comprehensive core plan, including:
- Medical expenses benefits including cover for hospitalization and out-patient surgery, kidney dialysis and cancer treatment of up to €2,5m per year.
- 24 hour access to a multilingual contact center,365 days a year.
- Worldwide network of hospitals –and direct billing settlement with the hospitals for in and out-patient care where possible.
- Assistance package, including online telehealth services and the option of an expert medical opinion.
- Political evacuation, third party liability and legal assistance cover.
- Online access to policy and claims information.
Optional benefits available:
- Out-patient Expenses (2 cover options)
- Maternity Care (2 cover options)
- Dental and Vision Care (2 cover options)
- Health and Wellbeing Care (2 cover options)
- Travel Assistance and Personal Property
- Personal Accident and Temporary Incapacity
Details
Cover
Zones
- Worldwide, excluding the United States of America (USA)
- Worldwide
Who is it for?
Our expatriate solutions are suitable for a whole range of companies and organizations with headquarters in the European Economic Area that employ expatriate employees all over the world. The age limit for enrolment is 67, and the insured can continue to enjoy the benefits up to the age of 75. The cover may also apply to dependents or children under the age of 18 or younger than 25 if they are still studying full-time and if they live with the insured person in the host country.
Please note
A number of locations and activities are not covered. For example, it is possible that no claims are paid in areas subject to UN resolutions or sanctions by the EU, the US or the UK; claims may not be eligible for reimbursement if, for instance, related to injuries sustained when participating in professional sports activities, during flights other than as passengers, or injuries resulting from drugs or alcohol abuse.
Features & Benefits
Advantages for employers
- Offers wide-ranging plans which can be completely aligned with an employer’s specific healthcare needs and budgetary possibilities to provide expatriate employees with the cover they need to protect themselves and their families.
- Helps companies demonstrate their commitment to their employees and contributes to the strong benefit packages needed to attract and retain talented employees.
- Allows hassle-free online enrolment of expatriated employees and their families at any time.
- Delivers the highest level of service to the employees so that employers can be assured that their people are well taken care of.
- Provides the employer’s HR department and insurance broker with 24h online access to policy information and the possibility to administer employees’ records.
Advantages for expatriated employees
- Offers peace of mind during foreign assignments that the expatriate employee and their family are protected.
- Provides wide-ranging coverage including medical expenses, political evacuation, third party liability and legal assistance.
- Within the policy there are flexible solutions with a choice between multiple levels of basic insurance, various deductible options in the Expat Care 100 plan and additional benefits at a reasonable price.
- Expat employees have access to assistance 24 hours a day and 365 days a year via our Contact Center and website. Here the insured can go to for information about their policy, claims handling, medical network guidance and general customer service support.
Important Information
Certain exclusions or limitations apply. For example, claims may not be paid in areas subject to UN resolutions or sanctions by the EU, US or UK. Claims will moreover not be eligible for reimbursement if, for instance, related to injuries sustained while participating in professional sports activities or during flights except as a passenger, to cosmetic surgery or nutritional and dietary supplements, to products that can be obtained without a physician’s prescription, or for medical treatment associated with abuse of drugs or alcohol.
This site only contains an overview of the most important coverages and examples of exclusions. Only the general and specific conditions (the “Insurance Policy”) provide an accurate, binding, description of the covers and exclusions. It is necessary to fully analyze the Insurance Policy, as well as all other relevant documents with contractual and pre-contractual information before any decision to buy, underwrite, adhere to, accept, sign or conclude an insurance agreement
Click here to find information about how to request a quote with a detailed premium calculation, the general and specific conditions, and/or other relevant documents with contractual or pre-contractual information, the duration of the insurance policy, the applicable law and jurisdiction, how to file a complaint or reach the ombudsman, etc.