Small and Medium Corporate Groups

Taking care of you and your team

We know every organisation is different, so we provide flexible, adaptive solutions for our clients, so that you can choose the right combination of cover for you and your employees.  You can even tailor the benefit limits for some treatments.

We offer a network of over 1.3 M quality medical providers, settling medical bills directly with the provider for most in-patient treatments. We apply effective cost containment and fraud prevention methods to drive your savings.

We’re always there, always on: offering 24/7 multilingual Helpline and other supports

Digital tools and services to help your team manage their health and wellness. Members can submit their claims, view policy documents, check benefits available, access telehealth services, find local providers and dummy more.

 



With our international healthcare plans,  you can build your plan to suit the needs of your employees and your budget.
Step 1:
Choose your Core plan and pick a co-payment or deductible

Our core plan options include a comprehensive selection of in-patient benefits, day-care and out-patient benefits such as hospital accommodation, surgery, medical evacuation and much more. All our core plans include a selection of Global Health Services that aim to improve the quality of life of your expat team.

Step 2:
Add any of the optional plans and tailor your benefit limits

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as dental, optical, maternity  and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide, Worldwide excluding USA or Africa only   

 Provides multi-country cover so employees can use their cover in any country included within the area of cover. It is a good idea to select an area where your employees normally travel to or are based for work purposes.  

Terms and conditions and regulatory restrictions apply

Swipe to view more

Maximum plan benefit
$5,000,000
€3,703,705
£3,100,000  
Maximum plan benefit
$4,000,000
€2,963,000
£2,460,000
Maximum plan benefit
$2,500,000
€1,851,850
£1,575,000 
Maximum plan benefit
$1,750,000
€1,350,000
£1,075,000
Type of room
Private Room
Private Room
Private Room
Private Room
In-patient /Day-care
Oncology
Nursing at home
Preventative surgery
$40,500/€30,000/£24,900
$40,500/€30,000/£24,900
Rehabilitation treatment
Max. 120 days per discharge
Max. 90 days per discharge
Max. 60 days per discharge
Max. 30 days per discharge
Medical practitioner/ Specialist fees / Diagnostic tests
$15,000/€11,110/ £9,225
$5,000/€3,705/£3,076
Accidental death benefit
$13,500/€10,000/£8,300
Deductible

No deductible or
$1,000/€740/£615

or
$2,000/€1,480/£1,225

or
$4,000/€2,962/£2,461

Co-payment

0%  or
10% up to max.
$2,000/€1,480/£1,225

or
20% up to max.
$4,000/€2,962/£2,461

or
30% up to max.
$5,000/€3,705/£3,076

0%  or
10% up to max.
$2,000/€1,480/£1,225

or
20% up to max.
$4,000/€2,962/£2,461

or
30% up to max.
$5,000/€3,705/£3,076

0%  or
10% up to max.
$2,000/€1,480/£1,225

or
20% up to max.
$4,000/€2,962/£2,461

or
30% up to max.
$5,000/€3,705/£3,076

Dental
$1,500/€1,110/£995
Ask us for other
options available
$1,000/€740/£615
Ask us for other
options available
$750/€555/£495
Optical
80% refund, up to $500/€371/£307
Ask us for other
options available
80% refund, up to $250/€185/ £154
Ask us for other
options available
80% refund, up to $250/€185/ £154
Ask us for other
options available
Maternity
Ask us for other options available
$10,000/€7,410/£6,150
per pregnancy
Ask us for other options available
$5,000/€3,705/£3,076
per pregnancy
Ask us for other options available
Repatriation
Non- emergency evacuation
helpline

Getting your group policy is much easier and faster when you choose our Moratorium underwriting option. There are no medical forms to complete. It’s hassle free.

GET A QUOTE             APPLY NOW

Talk to the experts! If you have any questions, or if you're not sure which plan best suits your employees, our Small and Mid-size Business Team would be delighted to guide you through your choices.
Check out our specialised group healthcare plans
Learn more about the difference between international health insurance and travel insurance and find out which is the best fit for your business.
 
SHOW MORE DETAILS SHOW LESS DETAILS
We know you might want more information about international health insurance, so we've put together a list of our most commonly-asked questions right here.

Group terms can be offered when there are three or more staff members.

For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.

International health insurance is a solution designed to support employees who travel abroad frequently or are abroad for long periods of time and want to be sure that they are covered for any medical needs. It is not the same as travel insurance, as it provides a more durable and comprehensive multi-country medical cover.

Travel insurance is a solution which covers cancelled or delayed flights, lost items such as personal belongings and has a limited element of medical treatment.

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
  • There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
  • Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
  • Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
  • This option is available to individuals or groups with 3 to 9 policies
  • Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

Medical History Disregarded terms is members’ health information is not assessed. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered.
  • Pre-existing conditions are usually covered.
  • Claims process is shorter because we already know that pre-existing conditions are covered.
  • This option is usually offered to groups with more than 10 policies.  

If your employees travel abroad frequently (more than 5 times per year) or are abroad for long periods of time and want to be sure that they are covered for any medical needs, then international health insurance may be the right solution for your employees.

Our dummy short-term healthcare plans is perfect  for groups who only wish to cover the medical emergencies of employees travelling abroad. Staff are covered for single or multiple trips up to a combined maximum of either:

  • 90 days per insurance year each
  • 180  days per insurance year each

*Please note that the purpose of this insurance plan is to provide medical care during emergency situations. Any ongoing or further treatment that is required after the emergency situation is not covered by this policy. The areas of cover are subject to our terms and conditions.

We offer coverage and support for most countries around the world . Your employees can take our cover with them on their travels anywhere within their area of cover and take comfort in the knowledge that they have comprehensive multi-country medical cover.

For specific coverage queries, please contact our Small Groups Sales Team, and they will be happy to assist you and guide you through your choices.

The geographical area of cover is the geographical territory where your cover is valid. When choosing an International Private Medical Insurance (IPMI) solution for your employees you should select a geographic area of cover based on where your employees normally travel to or are based for work purposes.
Some benefits are subject to pre-approval, which would entail submitting a treatment guarantee form to our medical services team. Once the treatment is deemed medically necessary, our team will arrange payment to the facility of your choice. If there is an emergency, a member would not need pre-approval. They should seek treatment and have someone (family member, doctor etc) get in touch with us within 48 hours.
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards 2022.