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International healthcare

Why international healthcare 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, 75% of companies expect their international assignments to increase or remain the same over the next two years.

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:

  • Fulfil your duty of care
    We can help you meet your obligations and avoid penalties by arranging appropriate 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 foreign legislation, and help you source compliant solutions.
  • Get the best from your benefits
    We can help you to maximise your international employee benefits, whilst ensuring you retain your key staff. 

How we can help

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

International wellbeing solutions

Our expert international team focus on supporting the financial, emotional and physical wellbeing of your overseas employees. We specialise in international private medical insurance, but also offer a broad range of services including:

  • employee assistance programmes,
  • business travel insurance,
  • group scheme leaver service,
  • accidental death and injury insurance,
  • kidnap and ransom protection; and.
  • security and political risk services.

What our clients say

Dave Hilton’s understanding of our business and requirements resulted in our expectations being exceeded. Jelf are extremely professional and customer focused and we are delighted to be working with them.

Frequently asked questions

Q
Is healthcare insurance mandatory in our international employee locations?
A
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 arrangements help meet your duty of care to protect overseas employees.
Q
What is the standard benefit package offered in our overseas locations?
A
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 solution involves a detailed fact find to understand your specific needs and make a tailored recommendation.
Q
Will our expatriates be able to access a suitable standard of hospitals overseas?
A
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.
Q
Which insurers have suitable networks and service partners in our overseas locations?
A
We are an independent consultancy so can review the whole of the market 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.
Q
Are you able to source coverage for pre-existing medical conditions?
A
There are options available to ensure pre-existing conditions are covered however they may be subject to medical questions being satisfied.