Group Insurance for International Employees, Volunteers, Remote Teams, and Expatriates
Global group health, life, and travel plans are the best way to ensure your group is well-protected while abroad. If you are organizing a trip abroad for a corporate group or need coverage for employees who live overseas, we can help you find the right coverage. Our experienced, licensed insurance agents take a tailored approach, listening to the needs and requirements of each organization to develop the best proposal for your group or corporation.
There are a variety of international insurers and plans available. To save you hours of research, we’ve created a guide to help you choose the right plan for your group.
Our long-term, global medical plans are comprehensive and customizable to fit your employees’ unique needs. Our travel plans include coverage for medical emergencies, lost luggage, flight delays, and other additional benefits, ensuring you and your group are fully protected. Group international life insurance plans provide additional benefits to key international employees.
Connect with a Global Benefits Advisor
- Experts in sourcing and implementing global insurance plans
- We’ve built steadfast partnerships with carriers worldwide
- Licensed in Health, Life, Accident, and more
Who Needs Group Insurance?
International organizations are opening offices worldwide at an increasing rate. Employing workers overseas requires a global approach because a corporation cannot provide healthcare coverage through a domestic plan. Therefore, employers are responsible for ensuring that their international teams have access to high-quality global benefits plans, including international medical and life insurance coverage.
Additionally, corporations, missionary groups, and nonprofits that require their employees or members to travel internationally multiple times a year need travel insurance to protect their travelers from medical emergencies and other unforeseen circumstances.
How ICI Can Help
If you’re in charge of sending a group of people abroad, you know nothing is more important than protecting the health and safety of the people you lead. One of the most significant decisions you must make is what type of international group insurance to purchase to cover them. But the world of insurance is complex, confusing, and changeable, and learning all you need to know to make the right choice can be a full-time job.
That’s why International Citizens Insurance is devoted to helping organizations through every step of the group insurance process, from comparing and choosing a plan that’s just right for your group to dealing with issues that arise during an international assignment. Whether you’re a multinational corporation sending employees on assignment in Indonesia, a school planning a study abroad program in France, or a nonprofit managing volunteers on a relief mission in Zimbabwe, we at International Citizens Insurance are with you every step of the way.
We have experience insuring corporate groups, large and small nonprofit organizations, missionaries, and business travelers for both long-term and short-term trips abroad. Some actual clients have included:
- A corporate account in Shanghai with expatriate employees from several countries
- A volunteer organization building schools in Guatemala
- A group of 100 remote workers traveling around the world in 365 days
- A youth orchestra is on a 2-week tour of China
- A Professional Employer Organization (PEO) with local employees worldwide
Whatever the size and nature of your group, click below to start a free quote, or read on to learn more.
Group Health Insurance
A global medical group plan is an excellent option if two or more employees live or travel abroad for most of the year. Our team of licensed agents can help you determine the coverage and benefits you need to ensure your employees while they are outside of their home country.
- Your team includes third-country nationals, and you want to consolidate their coverage into a single plan.
- You’re hiring new international employees who will be moving abroad for an extended period.
- You’re growing your team to include local nationals or ‘inpats’ in foreign countries.s
- You have key employees who live abroad for 3-6+ months per year and need to access care worldwide.
If your organization has offices in other parts of the world, you must ensure that your team has access to high-quality health coverage, regardless of their assigned location. In these situations, travel and emergency medical coverage are typically insufficient. We can help connect you with the best global medical insurance tailored to your organization’s needs and budget.
With our extensive expertise in the field, we’ve identified and rated the top global group health insurance plans for various scenarios. Perhaps your organization requires highly customizable benefits while seeking access to a broad network of providers. Maybe you’re running lean and need something that covers your bases while still fitting a tight budget. Or perhaps you only need options that cover employees outside the United States. Whatever your situation, we can find a plan for you.
A global medical group plan is an excellent option if you have two or more employees who live or travel abroad for most of the year. Our team of licensed agents can help you determine the coverage and benefits you need to ensure your employees while they are outside of their home country.
Global Health Plans for Groups
Below is an overview of some of the best group health plans for companies with international employees or volunteers working or living abroad. These are just a few plans we offer, and many can be customized to meet your specific needs.
Cigna Global Health Advantage (GHA)
If you have employees working in another country, you want to ensure that each of them, as well as their families, has access to a quality healthcare system wherever they are in the world. With Cigna GHA, they will have easy, reliable access to one of the largest networks of healthcare professionals worldwide. The GHA plan is designed to cover groups of two or more employees living and working worldwide. Cigna Global also offers additional plan options for entities outside the USA, including the Inspire and Connect plans.
For larger groups, we can provide customized plans tailored to meet your specific needs and collaborate with your team to create comprehensive global medical coverage for your employees.
Cigna Global Health Advantage Plan
- Comprehensive employee benefits for global teams
- Access to Cigna’s trusted worldwide medical network
- 24/7 multilingual customer service and support
Eligibility: A minimum of two eligible employees must be enrolled in the program at all times (U.S. employers must have 50+ employees worldwide). International entities have different requirements.
Blue Cross Blue Shield Global Expat Group Insurance Plan
The BCBS Global Expat Plan offers comprehensive international health benefits, along with enhanced medical assistance services, for extended international assignments. The BCBS Expat plan is designed for international assignees and their families who relocate to a foreign country for 6 months or more.
Blue Cross Blue Shield Global Expat
- Comprehensive global medical benefits
- Flexible benefits for U.S. companies with international employees
- Access to a premier worldwide provider network
Eligibility: Available to groups of two or more, and must have a tie to a U.S. organization.
Aetna Ascent Group Medical Insurance Plan
The Aetna Ascent plans are designed for groups of 2 – 10 expatriate employees. There are six Aetna Ascent medical plan designs for you to choose from. Each plan offers your employees comprehensive, global healthcare coverage and innovative wellness programs.
Aetna’s plans are global and can cover foreign nationals residing worldwide.
Aetna International Ascent
- Access to 1.1M+ providers around the world
- Streamlined plan setup and annual renewals
- Supports fronting arrangements and local compliance needs
Eligibility: Plans require a minimum two non-related international employees.
Group Travel Insurance
There are two main types of group travel insurance plans: coverage for a large group on a single trip or an annual plan covering all travelers from your organization for multiple trips over a period of twelve months.
We can help you find the right travel insurance, whether for a small group heading to a week-long conference, a volunteer mission, a school outing, or your jet-set employees who wake up in a different city every day. Read on to see how we help you keep your teams safe.
Annual Multi-Trip Business Travel Insurance Plans for Employers
Suppose your team’s trips aren’t very long but fairly regular. Some organizations send individuals or groups abroad multiple times yearly, and not always with the same team members. You may want to consider an annual travel insurance plan if this scenario applies to you. These plans are well-suited for employees who have a primary health plan in their country of residence but require coverage for major medical emergencies abroad.
You can purchase your plan at any time of year, and it will cover emergency medical expenses for the next 12 months. This type of plan saves you money if you run group trips abroad more than three times a year and saves you the time and headache of arranging a new plan each time.
Cigna MBA – Corporate Travel Insurance Benefits
With Cigna Global’s Medical Benefits Abroad plan, you can rest easy when your employees travel internationally on company business. The MBA plan provides the comfort of proven experience, simplicity, convenience, flexibility, and support for you and your traveling employees. This plan will cover medical benefits, prescription drugs, dental emergencies, medical evacuation, personal travel, and medical care for family members traveling with the covered employee.
Four pre-priced plans are available with the option to add or remove accidental death and dismemberment or medical evacuation and repatriation. Custom quotes for other coverage options, including flexible deductibles and coinsurance levels, are available to help meet your company’s unique needs for any number of international business travelers.
BCBS Global Traveler Insurance for Employees Abroad
GeoBlue, in partnership with Blue Cross Blue Shield Global and the Blue Cross and Blue Shield Association, offers the BCBS Global Traveler plan, which provides supplemental medical coverage for short-term international employees. Benefits include:
- Coverage for unanticipated illness or injury that occurs while workers are traveling outside their home country on a trip shorter than 180 consecutive days
- The administration is easy, with no upfront enrollment information required
- Coverage is portable and goes wherever business travel takes employees
We offer several other options and can work with your company to design a customized group travel insurance plan tailored to your employee demographics, coverage requirements, and corporate structure. Please request a quote to start the process, and our licensed agents will follow up with some options.
Request information for the Cigna MBA Plan or the BCBS Global Travelers plan.
Business Group Travel Insurance for Single Trips
We offer several solutions tailored to the needs of short-term business travelers, depending on their country of origin. The GeoBlue Voyager plan is our top choice for U.S. citizens traveling abroad for work. Blue Cross Blue Shield’s backing gives your team members access to a global network of top doctors and hospitals. Atlas Travel Insurance plans are available to travelers from all nationalities.
Besides top-notch medical coverage, these plans include repatriation, emergency and accident insurance, and other benefits that protect your team members’ health, property, and time.
Travel medical insurance policies can cover individuals or groups of all sizes traveling abroad. These plans will help cover the costs of emergency medical care. Short-term travel medical insurance is available as a single-trip plan that covers a specific trip for a specified number of days or months.
We recommend trip cancellation insurance for individual employees traveling for short-term. It allows the policyholder to cancel if plans change, a natural disaster occurs, or they suddenly become ill and can no longer travel.
If your employees or group travel frequently, we offer multi-trip medical insurance plans that cover multiple trips per year.
Best Travel Plans for Groups and Individuals
Our travel plans offer excellent short-term coverage for employees traveling for business or groups undertaking international volunteer work. These insurance plans provide comprehensive benefits, including medical care, repatriation, and emergency and accident assistance.
Organizers can purchase group travel insurance plans either individually or as a group. The cost of group travel insurance is determined by the type of coverage selected, group size, coverage duration, destination, and deductible amount.
Group Life Insurance
An international global life insurance policy is a benefit that will attract and retain your best employees. This is especially true for a global workforce that may not have access to all the benefits offered to local employees. Your team will appreciate the additional benefits, including:
Key Benefits of the International Group Life Insurance Plan
- Whole and Term Life options are available
- Customized for international employees, remote teams, and expatriates
- Comprehensive benefits for death from illness or accidents
- Terms from one to 25 or more years
- Worldwide protection
To assist you in finding options for your group, please provide more information about your situation by completing a quote request form.
We can tailor plans to meet your needs, coverage requirements, and budget. After assessing your needs, we can typically provide three or more quotes from multiple insurance companies. If you have any special requirements, please let us know. If you would like quotes from specific companies, we can provide them.
Connect with a Global Benefits Advisor
- Experts in sourcing and implementing global insurance plans
- We’ve built steadfast partnerships with carriers worldwide
- Licensed in Health, Life, Accident, and more
Andrew Blomberg is the Vice President of Global Benefits at ICI, leading innovative insurance strategies for organizations worldwide. An MBA-educated, multi-licensed expert, he specializes in optimizing global benefits programs and guiding clients through complex challenges.
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