Expatriate Care

Medical and emergency assistance for policies produced in Belux

+32 2 739 99 10

Claims handling for policies produced in Belux

Expatriate Care

As an employer, ensure your employees safety by ensuring optimal protection of their own and family's well-being.

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 insurance is a flexible and advantageous policy with extensive coverage and numerous services.

Details

Cover

Zones

  • Worldwide, except the United States of America (USA)

Basic cover

  • Medical expenses
  • Medical assistance
  • Political evacuation
  • Third party liability
  • Legal assistance
  • Assistance

Optional

  • Dental and vision care
  • Personal accidents
  • Personal property
  • Travel insurance

Who is it for?

Expatriate Care is 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 65, 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 23 if they are still studying full-time and if they live with the insured person in the host country.

Duration

A number of locations and activities are not covered. Every important cover has its own exclusions. 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. The same applies 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

  • Helps companies demonstrate their commitment to employees and provide stronger benefit packages needed to attract and retain talented employees.
  • Allows hassle-free 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 HR department of the company with 24h online access to policy information and the possibility to update the data of the employees.

Advantages for expatriated employees

  • The insurance provides a comprehensive coverage for posted employees and their families, including medical expenses, political evacuation, civil liability and legal assistance
  • Within the policy there are flexible solutions where there is a choice between multiple levels of basic insurance, various exemptions in the Expat Care 100 plan and additional guarantees at a reasonable price.
  • Expat employees have access to telephone 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.

Main Exclusions & Important Information  

Each important coverage has its own exclusions. For example, claims may not be paid in areas subject to UN resolutions or sanctions by the EU, US or UK. The same applies to injuries sustained while participating in professional sports activities, during flights except as a passenger, or injuries resulting from abuse of drugs or alcohol.  
  • Intoxication
  • Nutritional and dietary supplements
  • Cosmetic surgery
  • Outpatient treatment of sleep disorders
  • Treatment of weight loss or weight problems
  • Products that can be obtained without a physician's prescription
  • Fertility treatment

This site only contains an overview of the most important coverages and exclusions. Only the general and specific conditions (“Insurance Policy”) provide an accurate, binding, description of the covers and exclusions. It is necessary to fully analyse 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.

Important information

Here you will find information about how to request a quote with detail of 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.