Medical

International medical insurance enhances employee satisfaction by  ensuring staff can access quality healthcare wherever they are located or traveling.

A comprehensive medical plan boosts morale and loyalty, helps attract top talent, and reduces the risk of productivity loss due to health issues.

Sample plans include:

• Worldwide or regional coverage    
• Flexible, customizable benefit design
• 24/7 emergency assistance and evacuation
• Worldwide direct settlement provider network
• Elite client service
• Online member tools and apps

Life

Life insurance ensures that dependents are financially supported in the event of an employee’s death, disablement, dismemberment or critical illness.

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 Disablement (PTD)
• Death and/or Critical Illness
• Passive war risk
• Other bespoke variations

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