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Once upon a time, it was only the major corporates that ventured into global markets. Today, many smaller organisations are operating internationally. In fact, a study predicts that there will be a further 50% growth in international assignments by 20201.
What we cover
Protecting the health and welfare of your employees is a major challenge for employers and a fundamental part of your duty of care. It also brings additional complexities and challenges for those with overseas employees.
That’s why we’ve teamed up with a leading insurer to develop an exclusive International Private Medical Insurance Umbrella Scheme. This low cost scheme is designed for low risk clients and is quick and easy to join.
As a pooled arrangement, our Umbrella Scheme can enable you to access terms that you might not otherwise be able to obtain in the market – especially if you require cover for a relatively small number of international employees. Simply meet the underwriting criteria and we can enrol your company into this exclusive scheme that offers exceptional terms.
Benefits include:
We understand the demands placed on professional and operational staff, especially those working in the asset management, private equity and the infrastructure industries.
Executive healthcare solutions can support these professionals by offering enhanced benefits with minimal financial limits and cutting through the red tape of GP referral requirements and hospital network restrictions. Our executive healthcare solutions are comprised of an international private medical insurance policy, so you can access coverage anywhere in the world and allow members to access advanced treatments and leading specialists overseas.
Executive healthcare solutions can give you:
P11d management
We understand that benefit in kind taxation can be a key concern for operational staff. Our executive healthcare solutions are flexible and help you to mitigate exposure by using tiered benefit structures or implementing a supplementary domestic healthcare plan.
Easy transfer of policy
We can usually secure a transfer of cover from an existing group or individual private healthcare policy without you needing to be re-underwritten. This provides peace of mind that any previously covered conditions will continue to be covered.
We understand that from time to time employees will leave your company, having been assigned overseas for a period. If they are planning on staying overseas or they’re considering living outside the UK, this is the time for them to consider retaining their International Private Medical Insurance (IPMI) cover.
We can often arrange continuous cover, or reduced medical underwriting, for any such employees leaving the protection of their company scheme.
However, insurers have time limits for allowing continuation of cover to an individual policy so make sure your employees act quickly; we would recommend applying within 30 days of leaving the company policy.
Continuing IPMI cover can provide your employees the peace of mind that they and their family are adequately protected where local health provision can be as varied as the local language and culture.
IPMI can be a complex business. It is particularly important that they have a policy that gives them access to the benefits that suit their specific needs, but also one that fits the country in which they choose to live, and complies with all of the local legislations and regulations.
As a rule of thumb, your employees should consider continuing their IPMI cover if:
It's important that individuals and their families are covered when working and living overseas. But how do you know what sort of cover you need? We can help you with this.
Explore our FAQs below to understand the typical differences between a simple travel insurance plan and International Private Medical Insurance (IPMI). Both products provide invaluable cover, but there are significant differences between the two and the distinct needs that they are designed to meet.
Please note this list is designed to give an example and is not exhaustive:
Please note this list is designed to give an example and is not exhaustive:
How we can help you
Our specialist international health and benefits team help employers source and manage the benefit packages of their employees living and working overseas. Whether you’re looking to review an existing international health insurance scheme, or conduct a global benefits audit, we can help.
If you have any questions, our experts will be happy to help. Please complete the contact form below.
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