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Plan Options

Expatriate Group’s Corporate Health Insurance

Do you have employees working overseas? For companies with as few as three staff working abroad, Expatriate Group can provide fully tailored insurance policies at a discounted price. This ensures personnel are protected regardless of what country they are in.

We understand that employees are a business’s greatest asset. That is why we are dedicated to providing the right level of support to aid recruitment, retention and – in the event of illness – helping staff to return to the workplace quickly and with the best tools to help them perform at their best.

Expatriate Groups Corporate Health Insurance policy provides a comprehensive package of benefits just in the same way our International Medical Insurance does. However, in this circumstance it’s to enable HR managers to centralise a number of essential products that modern-day companies require for protecting staff and managing risk.

One product that provides 24/7 Health; Business Travel; Income Replacement; EAP: managed under one central contract.

Corporate Healthcare for Expat Employees

International healthcare insurance for your expatriate employees, no matter where they are in the world. With 24 hour / 365 day assistance, no restrictions on hospitals or clinics and comprehensive benefits, tailored to your corporate needs, Expatriate Group is best placed to ensure that your workforce obtains the best treatment and is provided with total peace of mind.

Business Travel Insurance

Designed especially by Expatriate Group, our International Travel Insurance policy allows companies to cover their employees under a single policy for all trips overseas. Cover can either provide a specific aggregate number of days or a ‘multi-trip’ policy provides all employees the freedom to travel as frequently as they need without restriction.

The cover provides health, evacuation, baggage, travel delay, third party liability, loss of money, and passport help.

Global Income Protection

Expatriate Group policies provide your employees with Income Replacement Insurance as standard. This provides a supplementary policy to ensure that financial aid is available to assist with costs if you are no longer able to work.

Your capability to work could change drastically as a result of an accident or an illness. Depending on the severity of the accident you could end up permanently disabled and a long way from home. Protecting yourself and your family during times when a primary wage earner is unable to work can save a multitude of extra stress.

Employee Assistance Programme

Employee Assistance Programmes (EAPs) are employee benefit programmes intended to help employees deal with personal problems that might adversely impact their work performance, health, and wellbeing. Our EAP includes assessment, short-term counselling, and referral services for employees and their immediate family – wherever they are in the world.

Expatriate Group’s focus is to deliver peace of mind and provide the best comprehensive corporate insurance for expat employees. This is reflected in our 3 key international medical insurance plans, which offer varying levels of healthcare coverage to suit your personal circumstances and budget.

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Policy Benefits

Corporate Health Insurance Benefits

  • Instant healthcare cover
  • 24 hour support
  • No hospital restrictions
  • Comprehensive protection
  • Chronic and terminal cover
  • No out-of-pocket hospital expenses
  • Employee assistance programme
  • Income replacement
  • Business travel insurance

Policy Benefits

Corporate Health Insurance Benefits

Medical Expenses

Corporate international healthcare insurance from Expatriate Group helps protect individuals from the often-extortionate cost of medical care and treatment when living and working overseas. All three of our plans cover outpatient and GP services and any hospitalisation costs for expats. The full benefits of our different packages can be seen on this page.

Preventative Care

Prevention is the key for many illnesses in life which is why Expatriate Group are dedicated to keeping expats healthy with regular health checks and testing. From annual medical check-ups for peace of mind, to cervical smears, and prostate cancer screening and mammograms, employees with corporate insurance will receive unparalleled preventative care.

Dental Care

Dental care can be costly which is exactly why Expatriate Group include it within their corporate insurance policy. From routine check-ups to restorative treatment (and everything in between) individuals will receive dental care when living and working overseas. Good dental health is just as important as any of element of wellbeing and is covered for this reason.

Optical Care

The optical health of your employees is critical and whilst changes to eyesight are part and parcel of life for many. Expatriate Group understand the importance of eye care. We provide a benefit covering the cost of an eye examination every year for each employee insured under the corporate policy. Where there is a change to an employee’s prescription, we will also cover the cost of prescription lenses (including standard contact lenses).

Maternity Care

Expecting a baby is an exciting time for many, but we understand that peace of mind regarding medical services is paramount. Those under Expatriate Group Corporate Health Insurance will be able to receive antenatal care up to and including delivery. Individuals will also receive home nursing for five days after delivery to help them get back on their feet.

Complementary Medicine / Therapies

We know that sometimes an alternative approach to mainstream medicine or treatment is required. That is why Expatriate Group cover chiropractic help, osteopathy, homeopathy, and acupuncture with our Corporate Health Insurance.

Emergency Assistance

Included as standard with every corporate plan, 24-hour emergency medical assistance is supplied through Expatriate Group’s multilingual 24-hour support partner. Those covered by the corporate insurance will, in the event of an emergency, be able to call Expatriate Group and arrangements will be made for transport to the nearest appropriate location for treatment. Individuals, their families and local healthcare services will all be kept up to date by our partner.

Chronic Conditions

Chronic conditions often require daily medication, regular nursing care, and regular medical check-ups. Employees living overseas will be able to receive the correct medical support for their chronic conditions via the benefits under our corporate insurance cover.

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Corporate Health Cover FAQs

Our group isn’t a company, can Expatriate Group still provide terms?

Yes. We have rates and terms for affinity groups, memberships, volunteers, NGOs and other associations. Please contact us for more information.

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).

Expatriate Group can cover businesses and organisations with as few as 3 employees. You will receive the exact same cover as larger groups and enjoy all the benefits too.

Expatriate Group are able to insure expatriate staff (and some local nationals) almost anywhere in the world. Some countries do apply licensing restrictions, but we can provide you with the appropriate assistance on application.

Depending on your group size we are able to offer:

  • Medical Histories Disregarded (no pre-existing condition exclusion)
  • Continuation of Previous Medical Exclusions (continue previous underwriting)
  • Moratorium (pre-existing conditions, 2 years prior to joining, excluded)

The benefits of insuring with the Expatriate Group are many. Depending on your group size you may be assigned a dedicated account manager and a dedicated claims handler(s) so that you are always communicating with a dedicated team to ensure the very best customer outcomes. 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.

None of our three underwriting options require a medical examination for access to our healthcare insurance. There may be additional medical underwriting requirements in respect of the Life insurance policy depending on the sum insured required and the group size.

You are entitled to be treated in any hospital of your choice though please ensure that you have your treatment pre-authorised beforehand. Please see our Medical Provider List – please note this is a resource as Expatriate Group do not operate a compulsory network. We will provide Guarantees of Payment with medical facilities for any planned in-patient, simply call our assistance team who will arrange this. We also have a number of facilities where you can obtain ‘cash-less’ out-patient and GP services.

Yes, we can provide a short-term policy for all employees, or operate a rolling contract, so employee (or contractors) are noted for the time where they are specifically employed, so we only cover for the ‘time on risk’. Take a look at all our expat insurance products to determine what would be best for you.

Yes, Strategic Insurance Services Limited (trading as Expatriate Healthcare and Expatriate Group) is authorised and regulated by the Financial Conduct Authority. Our FCA Firm Reference Number is 307133.

Strategic Insurance Services Limited are authorised to carry on Regulated Activities in accordance with the permissions granted by the FCA under Part IV of the Financial Services and Markets Act 2000.

You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on +44 (0)845 606 1234.

We believe that all our customers, regardless of where the policy was sold, should be entitled to the same regulatory benefits and protections as those purchasing cover in a FCA regulated territory. Accordingly, wherever possible, we shall extend these benefits to all our customers.

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