We’ll look after your team at home and overseas
International Healthcare Plan for employees in the US and overseas
The US International Healthcare solution is offered through our partnership with Aetna.
Different cover for different needs:
We offer different plan solutions to suit your employee needs:
If your company has employees based in different countries, we have a range of International Healthcare Plans to cover employees in all continents, from Americas to Europe, Asia to the Middle East.
For Employees based in the US
This US-compliant solution is designed in partnership with Aetna for non-US headquartered companies, with employees who reside in the US.
To be eligible for this solution, your company only needs to:
- Employ over 51 employees (who don’t necessarily need to be covered by healthcare plan)
- Employ 2 or more in the US
This full International Private Medical Insurance offers great coverage in the US and abroad.
For Employees based outside of the US
We offer a range of International Health Insurance Plans designed for employees who spend long periods overseas. It works much like health insurance at home: they’re not just covered for emergency treatment but also diagnosis and post-treatment care.
One Point of contact
We will be the point of contact for all your health insurance needs, providing cover for your employees based in the US and other countries.
What is included in our International Health Plans?
Hospital & Doctor visits
Surgeries
Emergencies
Teleconsultation
Access to one of the largest medical networks in the US
Employee Assistance Programme
24/7 multilingual Helpline
Wellbeing tools and more
Want to know more?
We have decades of experience in providing comprehensive cover for all corporate groups, small or large. Talk to us about how we can protect you and your employees
Why choose us?
Flexibility
10 different levels of cover for members in the US (groups with 2-20 employees) and a range of International Healthcare solutions for members based in other countries.
One solution
One central point of contact for global and US-insured population
Claims made easy
One global claims report for both US and global insured population
Worldwide expertise
We offer a network of over 1.9 million quality medical providers, settling the bill directly with the provider for most in-patient treatments
Cost savings
We apply effective cost containment and fraud prevention methods to drive your savings.
Tailored Solutions
Tailor-made solutions for larger corporate groups
Compliant solution
Compliant US solution covering 49 states
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FAQs on employee health insurance
We know you might want more information about International Health Insurance, so we've put together a list of our most commonly-asked questions here.
Yes, our International Healthcare plans for employees in the US, created in partnership with Aetna, can be offered to both US and Non-US nationals on US payroll. You can offer this solution when your company Headquarters is based outside of the US and:
- Employs over 51 employees (who don’t necessarily need to be covered by healthcare plan)
- Employs 2 or more in the US
And if your company is a US subsidiary of a non-US HQ company – that’s ok –the International Healthcare plan for employees in the US would still be available to you. If you have any questions, please contact our Sales Support Team.
Absolutely, as long as your company Headquarters is outside of the US. To be eligible for this solution, your company also needs to:
- Employ over 51 employees (who don’t necessarily need to be covered by healthcare plan)
- Employ 2 or more in the US
If you have any questions, please contact our Sales Support Team.
Our International Healthcare plans for employees in the US is compliant with 49 US states. The solution is not suitable for employees based in Hawaii. Employees based in Maryland and Washington may also require a separate medical plan and additional enrolment documents.
If you have any question, please contact our Sales Support Team.
The minimum group size for the US is 2 employees. However, your company Headquarters must be based outside of the US and must employ over 51 employees (who don’t necessarily need to be covered by healthcare plan).
Absolutely, cover can be extended to dependents for employees based in the US and overseas. For more information, please contact our Sales Support Team.
Yes, the US plan provides worldwide cover for employees based in the US. So they'll be covered for medical treatment received outside the US while on business trips or holidays.
Generally, all insured members within an International Healthcare group will have the same level of cover. However, for larger groups, we can accommodate different levels of cover by creating sub-groups. For further information, please contact our Sales Support Team.
We offer coverage and support for most countries around the world with certain locations supported via specific regional plans. For specific group coverage queries, please contact our Sales Team, and they will be happy to assist you.
To get a quote, please contact our Group Sales Team by completing this form.
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ITIJ Award Winner
ITIJ Award Winner
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards Winner
EFMA & Accenture Innovation in Insurance Awards Winner
EFMA & Accenture Innovation in Insurance Awards 2022.
UK Health & Protection Award Win
UK Health & Protection Award Win
Best International Group Health Insurance Provider 2023.
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Policy definitions and exclusions
- Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
- Any policy endorsements, policy terms and conditions and any other legal requirements.
- Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.
- Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.