Whether you are a U.S. based organization with employees overseas, or a non-US organization employing expatriates, third country nationals or key local nationals, a dependable and cost effective international group benefit program is a necessity. Outside the United States, American employees find their traditional group benefit programs to be non-responsive, in benefits and service, to the unique situations facing them as they seek healthcare abroad.

International employees and their families moving, traveling, or living abroad traditionally encountered entirely new cultural systems. Even for those who have acclimated, the societal differences are magnified when the need arises for medical care.

The employees distant location separates them from access to U.S. health care providers. Time zone differences limit the availability of most plan administrators - especially in the event of an emergency. Language and cultural traditions may also hinder communication between the medical provider and the employee or plan administrator. Most significantly, the levels of medical provider training and public health care services in many countries lag far behind minimum U.S. standards.

Providing appropriate benefit plan plans for these complex situations is a formidable challenge faced by all multinational corporations and international organization. Benefit managers must furnish a program that, in essence, surpasses the domestic benefit plan. In addition to full coverage for treatment while in the U.S., the international program must provide employees worldwide access to quality care, global portability, professional international benefit administration and special assistance coverage during medical emergencies.

Organizations confronting these difficult issues have had few options for international benefits...until now.

Our Group Benefit Plans allow employers to carve out the international component of their employee population and to provide U.S. style benefits. Employers with considerable international experience have found it prudent and cost-effective to separate these risks. Employers are able to quantify costs, limit liability and contain expenses relating to overseas operations, which are often separate profit centers. Additionally, lower international medical costs are reflected in the international premium levels. with the investment for expatriate employees growing, employers must offer competitive benefit coverage during and employee's service abroad and upon their return home.

Our Group Benefit Plans offer domestic style benefits, complete portability, seamless coverage, worldwide access to medical care, expert international claims management and cost-effective 24-hour peace of mind for both employer and employee.

Is my organization eligible for the International Group Benefit Plan?
If you are a U.S. based organization with a subsidiary or division operating outside of the United States, with 5 or more international employees, your organization is eligible. If your organization is based outside of the United States, and you have 5 or more employees, your organization is eligible.

  If you have any questions, please contact our friendly specialists.

877-211-3654 or 559-294-0316

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