International Benefits

Why international health insurance?

Once upon a time, it was only the major corporates that ventured into global markets. Today, many smaller organisations are operating internationally. In fact, a study predicts that there will be a further 50% growth in international assignments by 20201.

Living and working overseas can bring many benefits to both your company and your employees. It can also pose challenges – and that’s where we can help:

  • Support your duty of care
    You have a responsibility to take care of your staff. We can help support your obligations and avoid penalties by arranging appropriate international health insurance cover, so your staff can access quality medical care when they need it. 
  • Complex cover; simplified
    International Private Medical Insurance (IPMI) can be complex. We can help you understand the impact of foreign legislation on your scheme, and help you source compliant solutions.
  • Get the best from your benefits
    We can help you to maximise your international benefits, including international health insurance, whilst ensuring you retain your key staff. 

How our international benefits consultants can help your overseas health insurance

Our specialist international health & benefits team help employers source and manage the benefit packages of their employees living and working overseas. Whether you’re looking to review an existing international health insurance scheme, or conduct a global benefits audit, we can help.

1. PricewaterhouseCoopers Talent Mobility 2020 study

International umbrella scheme

A low cost scheme designed for low risk clients.

Executive healthcare solutions

Designed for professional and operational staff, offering them enhanced benefits with minimal financial limits or hospital network restrictions.

Business travel insurance

If your employees suffer unexpected difficulties when travelling for business purposes, you want to ensure that they are covered. But how do you know if you need travel insurance or international private medical insurance?

Group scheme leaver service

If you have staff leaving your company international health insurance plan, we can often arrange continuous cover, or reduced medical underwriting for them.

Kidnap and ransom protection

A kidnap, ransom and extortion policy will provide financial reimbursement and support following kidnap, extortion, detention or hijack.

Accidental death and injury insurance

Whilst we sometimes think we are invincible, unfortunately accidents do happen. Accidental death and injury insurance can provide your employee or their loved ones with financial support to deal with daily living expenses or costly rehabilitation.

Security and political risk services

Plan and implement consistent and effective security strategies for your business and staff overseas.

Employee assistance programmes

Employee assistance programmes (EAP) can deliver support to help maintain the emotional wellbeing of your employees. They provide a qualified counselling service to help contain problems and prevent them spiralling out of control.

Frequently asked questions

Is healthcare insurance mandatory in our international employee locations?
Local legislation and regulations regarding healthcare insurance will depend on the locations that you operate in. In addition to meeting any relevant local regulations, adequate and compliant international health & benefits arrangements help support your duty of care to protect overseas employees.
How much is international healthcare insurance?
The cost of your international healthcare insurance will vary depending on a number of factors including the level of cover you require, any pre-existing conditions, the territories you need to be covered for and any applicable local regulatory obligations. An effective international health & benefits solution involves a detailed fact find to understand your specific needs and make a tailored recommendation.
What is the standard international health & benefits package offered in our overseas locations?
A ‘one size fits all’ does not exist and every situation is different. Cover can include elements such as primary care, planned treatment, emergency treatments, chronic and congenital conditions, evacuation & repatriation, dental and maternity care. However, terms and conditions vary significantly between plans and any applicable local regulatory obligations must be considered. An effective international health & benefits solution involves a detailed fact find to understand your specific needs and make a tailored recommendation.
Will our expatriates be able to access a suitable standard of hospitals overseas?
The standard of healthcare facilities can vary from country to country. For outbound UK employees the general idea is that cover enhances the “free at point of use” NHS system to which they will no longer have access.  For expatriates, international healthcare insurance is seen as a necessity to access quality healthcare.
Which insurers have suitable networks and service partners in our overseas locations?
We can review a carefully selected number of insurers to find the most appropriate insurer solution for your individual circumstances. Our worldwide reach means that we can give you access to local expertise on a global scale.
Are you able to source coverage for pre-existing medical conditions?
There are options available to ensure pre-existing conditions are covered however they may be subject to medical questions being satisfied.

Mercer Marsh Benefits (MMB) is a trading name of Jelf Insurance Brokers Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). Not all products and services offered are regulated by the FCA (for details see marshcommercial.co.uk/info/terms). Registered in England and Wales number 0837227. Registered Office: 1 Tower Place West, London, EC3R 5BU.