How do you choose an international health insurance plan for your employees?

To choose international health insurance for your employees, start by assessing their needs based on their profile and destination. Ensure that the coverage includes hospitalization, routine care, dental and vision care, as well as repatriation assistance. Don’t hesitate to compare different offers. Finally, seek personalized advice to make an informed decision.

What are the benefits of a group health insurance plan for expatriate employees?

A group health insurance plan for your expatriate employees offers several advantages. It provides uniform international healthcare coverage for all employees. Often, the rates are more competitive than individual plans. It ensures comprehensive medical coverage, including consultations, hospitalizations, dental and vision care, and repatriation assistance. This type of insurance simplifies administrative management for the company and guarantees employees access to healthcare anywhere in the world. Finally, it provides peace of mind for employees, thereby supporting their well-being.

International group health insurance for
companies: protect your employees

In a context where international exchanges are becoming increasingly
frequent, companies must ensure that their employees are provided
with appropriate health insurance coverage during assignments
or expatriations abroad.

An international corporate health insurance plan makes it
possible to cover your employees’ medical expenses abroad. As
an employer, it is therefore important to choose a health insurance
solution that meets the needs of both your company and your
employees—whether for occasional business trips
or long-term expatriation.

Assurance santé internationale entreprise

Why take out an international health insurance plan for your company?

Offering an international health insurance plan can be a valuable asset for companies. It ensures that employees have coverage for medical expenses, which can sometimes be very high in certain countries. Additionally, health insurance often includes services such as repatriation assistance or emergency hospitalization. By providing your employees with reliable medical coverage while abroad, you give them peace of mind, allowing them to focus on their work. Furthermore, healthcare standards vary from country to country. For example, some public healthcare systems offer little or no coverage for non-residents, which can result in significant costs for either the company or the employee. An international health insurance plan guarantees comprehensive health coverage, essential for assignments abroad.

A tailored solution for your employees

The choice of an international insurance plan should align with the needs of your company. If you have employees who frequently work abroad, it is important to opt for comprehensive coverage that includes routine healthcare, hospitalization, and dental care. There are different types of plans that can be tailored to freelancers, long-term expatriates, or employees on short-term assignments abroad. One key aspect to check is the ability to adjust the coverage according to the country where the employee is based. Indeed, healthcare systems and medical costs vary from country to country, and expenses can rise particularly quickly in certain regions of the world, notably in North America or Asia.

Mutuelles internationales pour entreprises

The importance of repatriation assistance and support

In addition to covering medical expenses, a good international health insurance plan should include repatriation coverage for employees in case of a serious health issue. This ensures a safe return to their home country if local medical facilities are unable to provide adequate treatment. It is also important to check that the insurance plan includes 24/7 assistance services. These services may include on-demand teleconsultations or guidance toward partner hospitals in case of an emergency. Here is a summary table of the coverage for various expenses:

Summary table of the coverage of the different expenses
Service	Coverage
Hospitalization	100% of actual costs
General practitioner consultation	100% of actual costs
Specialist consultation	100% of actual costs
Pharmacy	100% of actual costs
Medical tests and imaging	100% of actual costs
Assistance / Repatriation	100% of actual costs
Civil liability	Included
Personal effects / luggage	Included
Legal assistance	Included
Cashless hospital payment worldwide	Included
Criminal bail abroad	Included
Lump sum in case of accidental death	Included

Comment choisir la bonne assurance santé internationale pour votre entreprise ?

How to choose your international group health insurance?

To make the right choice, it is important to assess the needs of your employees. What is their level of mobility? What risks are associated with the destinations they travel to? A company with employees posted in countries with expensive healthcare systems (such as the United States) will prioritise insurance policies with broader coverage than a company whose employees mainly travel within Europe. Global corporate health insurance solutions must also take into account local social security legislation. It is also relevant to compare the various offers using criteria such as deductibles and waiting periods. Santexpat.fr supports you whatever the size of your company!

Why choose an international group scheme rather than local insurance?

Choosing international health insurance offers several advantages compared to relying on local cover only. It provides health coverage in several countries, which allows your travelling employees to receive quality care wherever they are. In addition, international group schemes generally offer comprehensive protection, including repatriation assistance and coverage of medical expenses. In some countries, healthcare costs are very high; with international health insurance, your staff are properly protected! A group international health plan also makes it possible to centralise insurance management for all the company’s employees. This greatly simplifies administrative tasks for the employer while guaranteeing employees access to suitable medical care.

The impact on your company

Taking out international health insurance for your company does not only benefit your staff. It is also a way of protecting the company itself from potential costs related to medical expenses and/or work stoppages. Furthermore, it helps enhance the company’s employer brand, by offering attractive conditions to employees. By guaranteeing medical protection abroad, the company also ensures compliance with legal obligations relating to health and safety at work, particularly in countries where employers are required to provide health insurance for their expatriate staff.

Essential protection for your mobile employees

Taking out an international group scheme is essential for a company with employees in international mobility. It guarantees your employees’ well-being abroad. In addition, international health insurance will help you manage medical risks and healthcare costs effectively. To select the solution best suited to your organisation, it is advisable to assess your employees’ needs and choose a flexible solution. Whether for long-term expatriations or short-term assignments, international health insurance provides optimal protection.