Do you or need to employ people in one of your subsidiaries or for a client abroad? What status is the most suitable for an employee abroad? What is the cost of an employee abroad? What social protection when traveling abroad? What are the employer’s obligations for an employee abroad?
An employer has an obligation to ensure the safety and health of his employees during their stays abroad.
Mondassur offers you its expertise to carry out an audit of your international insurance conditions.
The answers to these questions are of course very different depending on the size of the company, the country of destination, the length of stay planned abroad, the means that the company wishes to invest in the project, etc.
What status for an employee abroad?
The 1st question is whether you are going to send an employee from the head office or if you prefer to recruit an employee in the country of destination.
There are also formulas where you can call on a service provider who can provide you with consultants. A portage company can thus offer you to “carry” an employee who will intervene on your behalf.
Depending on the formula chosen, the status of the person abroad will be different. The social protection, salary and cost of this person will also vary greatly.
How to prepare the expatriation of an employee?
The second question concerns the preparation of the employee’s expatriation. Expatriation is a real asset for working with your subsidiaries abroad and participating in the development of your company’s talents.
It is therefore necessary to prepare it well upstream and especially to talk about it with your employee, the future professional expatriate. Several points must be taken into account: the country of destination, the duration, the immigration formalities, the employee’s family …
The ideal duration of an expatriation, taking into account the costs thereof, is estimated between 18 months and 2 years.
To prepare the expatriation of your staff, you can also call on external consultants. These consultants support employees throughout their expatriation.
What social protection for an expatriate abroad?
The third subject that comes up most often is that of social protection. It includes health and sickness cover, provident cover (daily allowances, death benefit, invalidity), retirement cover and unemployment cover.
Social protection for employees abroad differs depending on the country of destination and status (expatriate or seconded employee). Unlike a seconded, the expatriate comes under the local regime of the State of destination.
What social protection for an employee abroad on a professional mission or teleworking?
This 4th question concerns employees working in the country of origin and leaving for short periods abroad. Indeed, on a professional mission, the employee is not considered an expatriate. A difference taken into account in the insurance to be taken out. Insurance is different and is closer to travel insurance in this case.
The employee on a professional mission continues to benefit in the country of origin from health, assistance and provident coverage.
As for the employee teleworking abroad, he is by default in an expatriation situation beyond a certain period abroad. The Covid-19 crisis has accentuated the need for teleworking. To take this phenomenon into account, there are now insurance policies for employees working abroad who work from home.
How does international wage portage work?
The 5th question concerns international wage portage. The latter is aimed at promoters of projects with an international dimension. This is a more economical and also more flexible formula.
Wage portage is a way of working that combines the advantages of salaried work and the freedom to conduct business. It is a simple device to set up that allows you to conduct your business abroad in complete safety.
What is the cost of expatriating an employee abroad?
6th and last question, the cost of an expatriate employee abroad. All the costs associated with expatriation must be taken into account: immigration, children’s education, relocation, moving, accommodation, training …
Why choose Mondassur to insure your employees on assignment abroad?
Broker and expert in international insurance for 20 years, we have studied and chosen the best international insurance at the best guarantee-price ratio for you. We work with the largest insurers and negotiate for our clients directly with them.
Mondassur offers you international insurance for the professional stay of your employees abroad, whatever the country of the mission, the insurance that is most suited to your needs, whether it is a short or long stay. Our insurances include the following coverages: direct coverage of hospital costs, reimbursement of medical expenses, provident insurance, civil liability, repatriation assistance, kidnapping-ransom.
Tailor-made social protection for your employees abroad
Depending on your needs, Mondassur can offer you tailor-made insurance negotiated with insurers specializing in international health insurance. Mondassur offers you its expertise to carry out an audit of your international insurance conditions. Contact our advisers to tell us in detail your situation (number of employees abroad, destination, situation, etc.). You can also save time thanks to the online quote and quickly take out the international health insurance of your choice for the most frequent situations.
Our advisers are available to answer any questions and our policyholders have access to the 24/7 support platform anywhere in the world.