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FAQ

Frequently Asked Questions

International insurance with 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.
Generally, all insured members within a group will have the same level of cover. However, we do have solutions for groups that have a requirement to have different levels of cover for individuals. For further information, please contact our Sales Support Team.
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.
Generally, all insured members within an international healthcare group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support Team.
We offer Emergency Healthcare Plans for groups who only wish to cover the medical emergencies of employees travelling abroad.

The group can be covered for single or multiple trips to the region where the healthcare plan is held for up to or a combined maximum of either:
  • 90 travel days per insurance year
  • 180 travel days per insurance year

* 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.

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.

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  short-term healthcare plans are 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
  • 180  days per insurance year

*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.

 

Members are covered for emergencies only, which occur during business and holiday trips outside of the chosen area of cover (where relevant). Cover is provided subject to policy terms and conditions for up to six weeks per trip within the maximum benefit amount. It includes treatment required due to an accident or the sudden beginning or worsening of a severe illness which presents an immediate threat to their health. Treatment by a doctor must start within 24 hours of the emergency event. Cover is not provided for curative or follow-up non-emergency treatment, even if they are deemed unable to travel to a country within their geographical area of cover. Nor does it extend to charges relating to maternity, pregnancy, childbirth or any complications of pregnancy or childbirth.

Members must tell the company’s Group Scheme Manager if they are going to be outside their area of cover for more than six weeks. The areas of cover are subject to our terms and conditions.

Some benefits are subject to pre-approval, which would entail submitting a pre-authorisation form to our medical services team. Once the treatment is deemed eligible and medically necessary, our team will arrange payment to the facility of your choice. If there is an emergency, a member would not need pre-authorisation. They should seek treatment and have someone (family member, doctor etc) get in touch with us within 48 hours.

We generally  cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24 month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.

For further information, please contact our Sales team.

For corporate group schemes:

  • Our most comprehensive plan is Summit 5000
  • Our entry level plan is Summit 1750

You can extend the cover of your Summit Plan with Dental, Optical and Repatriation benefits.

 

We offer coverage and support for most countries around the world with certain locations supported via specific regional plans.  For specific coverage queries, please contact our Sales Team, and they will be happy to assist you.
To get a quote, please contact our Group Sales Team by completing this Form.
Our Employee Assistance Program (EAP) can support your staff when challenging situations arise in their personal or working life. Additionally, we offer a variety of expatriate services including pre-assignment employee assessment and evaluation, intercultural training and destination and repatriation services.

Certain services that may be included in your plan are provided by third party providers. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of your policy’s terms and conditions, as well as the service’s terms and conditions as set out by the relevant third party service provider. By accepting the third party service providers’ terms and conditions, you enter a separate contractual relationship directly with them. Their services may be subject to geographical restrictions. Full details of the third party service providers’ terms and conditions are available in their websites and in the relevant application and/or platform where services may be hosted. The third party service providers are independent data controllers, and we recommend that you review their privacy notices to understand how they process your personal data.  The third party service providers offer non-insurance services that are not intended to be a substitute for in-person medical consultations, diagnosis, treatment, assessment or care. You understand and agree that the insurer, its reinsurer and their administrators are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.

Global Employee Benefit Programs are risk management and pension solutions designed to simplify things, streamlining administration, adapting to local needs and providing consistent protection for employees worldwide. With more than 110 insurance partners in over 90 countries, our established insurer network allows us to incorporate local employee benefits, insurance solutions (life, health, disability, accident and pension) and services into global programs. Our Global Employee Benefit Programs reduce complexity, deliver innovative local solutions, and provide insightful global reporting in a simple way.
Note: Our Global Employee Benefit Programs are subject to availability, which may vary depending on region. For more information, contact one of our Global Employee Benefit Programs experts
Any multinational with over 5,000 local employees based in countries all around the world who wants to offer local benefits to optimize cost and benefit from pricing stability.
MyAGB is a personalized Employee Benefits online portal which provides high quality data analytics, insights and reporting. It enables you to keep track of your employee benefits spend and priorities, identify opportunities to optimize cost and design of your programs, get a detailed understanding of the key drivers of profit and business performance, and may therefore offer valuable help with governance and decision making.
We are a network of over 350 employee benefit specialists worldwide with profound experience and technical expertise of the business as well as a can do attitude. Passionate about employee benefits and about getting things done, we deliver solutions in a simple way with the best possible service excellence. Your organization will benefit from:

  • A broad universe of employee benefit solutions 
  • Highly dedicated employee benefit experts
  • Quality network management 
  • Data driven culture

Contact our Helpline Team

Our multilingual helpline staff are available 24 /7 to handle day to day policy enquiries and support you during emergencies. Note that we will need the member’s name and policy number to identify them in our system and be able to respond to queries on their cover, their claims, etc. – so please advise your team to have their policy number with them when they call us or to state it in their email (together with their full name) if they prefer to write. 
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