Customizable Group Product Suite

A comprehensive global benefits program helps reduce stress, improve morale, and foster loyalty, as employees feel valued and protected by their employer, knowing they are covered during difficult times.

Spectrum Benefits can replicate your existing plan or custom design a plan to fit your unique requirements.

Global Medical

Global medical insurance enhances employee satisfaction by providing comprehensive health coverage worldwide, ensuring staff can access quality healthcare wherever they are.

This boosts morale and loyalty, leading to higher retention rates. Offering global medical coverage also helps attract top talent, particularly for multinational or traveling employees, by showing a commitment to their well-being. Additionally, it reduces the risk of productivity loss due to health issues while abroad.

Finally, it simplifies administrative tasks by consolidating health benefits under one provider, streamlining processes for companies with international operations.

Sample plans include:

  • Worldwide or regional coverage
  • Flexible benefit design
  • Elite client service

Group Life

Life insurance ensures that dependents are financially supported in the event of an employee’s death.
Sample plans include:

  • Death by Any Cause
  • Death by Natural Causes only
  • Accidental Death
  • Accidental Death and Dismemberment (AD&D)
  • Accidental Death and Continental Scale
  • Death or Permanent Total Dismemberment (PTD)
  • Death and/or Critical Illness
  • Passive war risk
  • Other bespoke variations

Group Disability

Disability plans are a critical component of a comprehensive global benefits program providing income replacement if an employee is unable to work due to illness or injury.

Sample plans include:

  • Short-Term Disability Income (STD)
  • Long-Term Disability Income (LTD)
  • Temporary Total Disability (TTD)
  • Permanent Total Disability (PTD)
  • Passive war risk
  • Other bespoke variations.

Special Risk

Special risk insurance for global employers provides coverage against unique and high-risk situations that standard policies may not address. This includes protection against political instability, terrorism, kidnapping, or natural disasters in international locations. It is essential for businesses with employees in high-risk regions, helping manage risks that are beyond the scope of conventional insurance policies while ensuring employee safety and organizational resilience.

Sample options include:

  • Passive war risk coverage
  • High guarantee issue limits
  • High-risk occupations
  • High-risk locations