Corporate Group Insurance
Medical Insurance Plans for Groups & SME’s
Expatriate Group are specialists in looking after corporate group and affinity group business. Because we look after over 120 different nationalities in 150 different countries around the world we are ideally placed to protect your overseas workforce.
What is Corporate Group Insurance?
Do you have members of your workforce overseas? For companies with as few as three staff working abroad, Expatriate Healthcare can provide fully tailored health insurance policies at a discounted price. This ensures personnel have access to first class medical treatment, regardless of what country they are in.
Expatriate Group are also able to provide a suite of international employee benefits including:
Group Life Insurance
Group Travel Insurance
Group Income Replacement
Access to First Class Medical Treatment
Access to first class medical treatment overseas is imperative, not only to attract the very best personnel to your company; but also to ensure that you have a happy and healthy workforce who are receiving access to the best treatment and services. Time away from work because of an accident or illness needs to be kept to a minimum and any accidents/illnesses have to have the very best outcome; especially for your key personnel overseas.
Sizeable Company Group Discount
Sizeable group discounts are available for companies with as few as 3 employees. Larger groups enjoy cover without any medical conditions exclusion and policies that are fully tailored to meet your specific needs. We will also experience underwrite your business to ensure that you are receiving the best deal possible for your company (where supporting data is available).
International Employee Benefits
Group Death in Service or Life Insurance
Expatriate Group work with world leading capacity at Lloyd’s of London to provide international group life (or death in service) insurance.
Cover includes death from any cause and can even be extended to include war and terrorism cover.
The policy allows all employees automatic access with free cover limits (usually a multiple of salary) set to meet most needs. Individual underwriting is also available for key personnel requiring higher limits or specialist protection.
Key Person Insurance
Key Person insurance insures the company in the event of the temporary or permanent loss of key staff.
Cover can be tailored to provide a lump sum benefit in the event of the death or permanent disablement of a key member of staff; to replace lost income or cover the cost of locating and replacing personnel.
Cover can also provide a benefit for the period a key member of staff is away due to a temporary disability.
Group Income Replacement Insurance
An appointment overseas generally doesn’t come with any form or social security or financial safety net. Suffering from an accident illness to renders you unable to do your do your normal occupation can be financially devastating. Expatriate Group has two policies that are able to provide some certainty for an employee and their family if they are no longer able to work:
Personal Accident and Illness Insurance: A lump sum benefit of up to 10 times the gross annual income in the event that the employee is permanently disabled from being able to attend their normal occupation. In the event of ‘partial’ disablement a scale of benefits applies.
Income Replacement Insurance: Pays an amount of up to 70% of the employee’s gross salary to the age of 65.
Group Travel Insurance
Designed especially by Expatriate Group, our international travel insurance policy allows companies to cover their employees under a single policy for any and all trips overseas.
Cover can either provide a specific aggregate number of days or a ‘multi-trip’ policy giving all employees the freedom to travel as frequently as they need without restriction.
Cover provides health, evacuation, baggage, travel delay, third party liability, loss of money and passport (see full benefit schedule here).
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FAQs Corporate Group Insurance
What is your minimum group size?
Our minimum group size is 3 people.
What is your underwriting criteria for groups?
We are able to provide ‘medical histories disregarded’ underwriting (cover to include pre-existing medical conditions) from 20 employees. Below this we normally offer moratorium underwriting for new or renewing customers. We would be happy to follow the underwriting of another insurer if you are looking to move your scheme.
Do you offer any discount for groups?
Absolutely. Our group discounting starts at 10% and increases depending on the size of the group. We are also able to provide experienced group underwriting, so that the terms are based on your group history – ensuring that the terms you are quoted are tailored exactly to your needs.
Our group isn’t a ‘company’. Can you still provide terms?
Yes. We have rates and terms for affinity groups, memberships and associations. Please contact us for more information.
We’re looking to move from another insurer. What are the benefits of Expatriate Group?
The benefits of insuring with the Expatriate Group are many. Depending on your group size you may be assigned a dedicated account manager an claims handler(s) so that you are always communicating with dedicated team to ensure the very best customer service. At Expatriate Group we pride ourselves on providing the best service at every stage of your journey, whether that’s tailored underwriting or exceptional customer service. When moving from another insurer you may also benefit from ‘continuous underwriting’, allowing you a seamless transition, but potentially benefiting from improved cost and servicing of your international healthcare.