Health insurance is of key importance for every foreign posting. The requirements on comprehensive cover are particularly high when family members accompany an employee who is sent abroad. So it is important for the employer to assume his responsibility in this respect. He may in any case already face this question before the foreign posting or at the latest when a problem (such as insufficient cover) occurs.
Employers can secure themselves from what may be a very time-intensive and costly procedure by an international group health insurance (that usually covers treatment costs in the case of both sickness and accident). Such collective solutions are offered from a minimum of two persons.
Key benefits of an international group health insurance policy:
- A flexible framework agreement in which new employees may be registered and existing employees deregistered at any time. Premiums are billed only for those months during which an employee is registered.
- As a rule, all nationalities may be insured in all countries (including countries with a higher risk). Insurance cover may also be offered for all employee categories (e.g. trainees, expatriates, Third Country Nationals, key local nationals, etc.).
- Almost all providers offer a private healthcare cost insurance (sickness and accident) with a completely free choice of doctors and hospitals (worldwide or in the respective cover zone). This allows an employee or his dependants to be treated in their country of residence, their home country or in another country of their choice. He is also relieved of any time-intensive formalities regarding social insurance law.
- Medical assistance such as an emergency evacuation is generally included in such an agreement.
- A worldwide network of hospitals is also included in the standard offer.
- Attractive tariff models (e.g. Profit Share, Cost Plus, etc.) are available for larger groups.
Swiss Insurance Partners has many years of experience and substantial expertise in this sector. We know the best insurers worldwide and are aware of the strengths and weaknesses of the various offers. Companies throughout the world rely on us for the selection of most suitable corporate solutions.
