SME 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.

International health insurance for SMEs is designed to support employees who travel overseas frequently or are overseas for long periods of time and want cover for medical needs. It is not the same as travel insurance, as it provides more durable and comprehensive multi-country medical cover. An international healthcare plan can also contain evacuation and repatriation cover if treatment for a particular illness is not available locally. 

There are many benefits for SMEs in obtaining international health insurance for employees travelling or spending time living overseas as you build your business:

1. Peace of mind that should an employee become ill they will be looked after
2. No unexpected costs to your business if an employee becomes ill while away
3. Modular international health insurance plans allow you to tailor your cover
4. Optional plans to enhance cover to include outpatient cover, dental benefits, or repatriation cover

SME international health insurance is going to vary depending on the supplier and plan you choose. With Allianz Care your SME can expect:

• Flexible solutions allowing you to choose the combination of cover that works best for your business
• No medical applications for groups of 10 or more
• Fast reimbursement, 90% of fully completed medical claims are processed within 48 hours
• Inpatient/day-care cover 
• Cover for scans 
• Oncology inpatient and outpatient treatment
• Expat assistance programme offering confidential professional counselling in-person, via video call or over the phone 
• MyHealth digital services enabling employees to access their plan, submit and track claims using only their phone from anywhere in the world
• Travel security services via a security assistance hotline

Still not sure? Try our help me choose tool to get an estimated non-binding price for international health insurance for your SME.

Or better still, contact our experienced small and mid-sized business team to discuss the best options for your employees.