global plans

Q1. What is expatriate insurance (expat insurance)?
Expatriate insurance is a global health and benefits plan designed for employees and individuals living or working outside their home country. It provides temporary or long-term coverage for health, dental, vision, life, and emergency medical needs for expats stationed abroad or traveling for work.

Q2. Why do companies offer expatriate insurance to employees?
Providing expat insurance:

• Helps attract and retain international talent by offering competitive relocation benefits.
   
• Fills coverage gaps when employees move between countries and may not yet be eligible for a new employer health plan.
   
• Ensures health and financial security for employees adjusting to new healthcare systems abroad.
   
• Simplifies global mobility, covering staff across multiple countries.
   

Q3. What types of coverage do expatriate insurance plans include?
Typical expat insurance benefits include:

• Health insurance (doctor visits, hospital stays, prescriptions, preventive care)
   
• Dental insurance (cleanings, x-rays, basic and major procedures)
   
• Vision insurance (eye exams, glasses, contact lenses)
   
• Life and Accidental Death & Dismemberment (AD&D) insurance
   
• Medical evacuation coverage (emergency transportation to the nearest appropriate medical facility)
   

Q4. How does expatriate insurance help with relocation challenges?
These plans protect employees during the transition by:

• Covering healthcare costs abroad until a local plan becomes active.
   
• Offering emergency evacuation services in case of serious illness or injury.
   
• Providing global provider networks, so employees can access care seamlessly in multiple countries.
   

Q5. Is expatriate insurance only for employees on long-term assignments?
No. Expat insurance is flexible and can cover:

• Short-term business travelers
   
• Employees on long-term or permanent international assignments
   
• Families relocating with employees
   

Q6. Why is expatriate insurance important for global employers?
It reduces risk, supports employee well-being, and strengthens recruitment efforts, helping companies expand their talent pool by hiring internationally with confidence.