How to choose expatriate insurance for an employee?
Protecting your employees during international assignments starts with the right expatriate insurance for employee.
If your employees frequently travel or work abroad, it’s vital to provide them with reliable international health coverage. The right expatriate insurance for employee not only covers medical expenses but also ensures their safety and well-being while on assignment. Here’s how to choose the best coverage for your international workforce : a business insurance abroad.
Expatriate insurance Gold Nomad Expat
Our contract with good levels of cover.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Gold Expat Access
Cost-effective international health insurance.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Gold Expat Safe
The insurance that provides effective coverage for accidents and illnesses.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Gold Expat Premium
Our most comprehensive expatriate health insurance.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance for international employees
How to choose expatriate insurance for an employee? Whether you’re relocating staff permanently or sending them on a short-term assignment, insurance for international employees is vital. It provides:
- Medical coverage abroad
- Emergency assistance and repatriation
- Civil liability protection
- Peace of mind for both employer and employee
Identify your employees’ insurance needs
Before choosing an insurance policy, identify the specific needs of your employees abroad. In addition to medical coverage, consider essential benefits like emergency assistance, repatriation, and civil liability to ensure complete protection.
Key coverage area to consider:
- Medical expenses: Ensure the plan includes general consultations, hospitalizations, surgeries, dental care, optical services and prescription drugs.
- Emergency assistance and repatriation: Look for 24/7 multilingual support and coverage for evacuation in case of serious illness, accidents or natural disasters.
- Civil liability: Civil liability coverage is essential to protect your employees in the event of damage caused to third parties.
Choose insurance based on assignment duration
For short professional missions, temporary international health insurance is typically sufficient. It should offer:
- Emergency medical care
- Outpatient and inpatient coverage
- Assistance services
For longer stays, opt for a comprehensive expatriate insurance plan that offers:
- Full medical coverage (including chronic illnesses and follow-up care)
- Preventive healthcare
- Maternity and child healthcare (if applicable)
- Worldwide support services
Mondassur offers customized insurance packages based on assignment length and destination.
Compare coverage options thoroughly
Choose a plan that offers comprehensive medical coverage including consultations, hospital stays, dental and optical care and ensures repatriation is covered in case of emergency.
Don’t settle for the first policy you find. Instead, compare:
- Medical benefits : Look for extensive inpatient, outpatient, dental and optical coverage.
- Family and maternity coverage : Crucial for employees relocating with dependents. Check out our article on how to support expat families abroad.
- Mental health services : Often overlooked but increasingly necessary for global mobility.
- Pre-existing condition coverage : Clarify whether conditions diagnosed before the policy started are covered.
At Mondassur, you can either choose one of our pre-existing corporate options, or we can develop a “custom made” policy to perfectly match the needs of your company!
Assess support and assistance services
24/7 assistance services are vital for expatriates. These should include multilingual support, help with administrative formalities, and assistance in the event of repatriation. It is essential to ensure that your employees can receive help in their native language, at any time of day or night. The insurance provider should also offer support with both local and international administrative procedures, helping simplify life abroad for your staff. Moreover, a reliable insurance policy must include medical repatriation coverage, ensuring prompt and efficient care in emergencies.
Repatriation insurance: how does it work? Repatriation insurance covers the costs and logistics of returning an insured person to their home country in case of serious illness, accident, or death. This may include medical transport with a specialized team, coordination with local hospitals and authorities, and coverage for transportation expenses.
Evaluate the global medical network
Carefully analyze the cost of each insurance plan in relation to the coverage provided. Comparing multiple health insurance quotes allows you to find the most cost-effective solution without compromising on essential benefits. It’s equally important to ensure the insurance offers access to a reliable and high-quality medical network in your employees’ destination countries.
At Mondassur, we don’t limit our members to a network. They’re fully free to choose their own providers – the best network of all!
- Premium costs: Assess the premiums based on the level of benefits and overall coverage included in the policy.
- Value for money: Look for insurance plans that strike the right balance between comprehensive services and affordability.
- Medical network: Verify that the policy provides access to a strong network of well-equipped, reputable hospitals and clinics in the host country, ensuring your employees receive quality care wherever they are.
Don’t overlook civil liability and legal protection
In addition to medical coverage, civil liability insurance is a critical component of any expatriate policy. It protects your company and employees in the event they cause unintentional harm or damage to third parties while working abroad.
- Legal protection: Ensure the insurance includes legal assistance to support your employees in case of litigation or legal disputes in the host country.
- Property damage and bodily injury: Third-party liability should cover both physical injury and damage to property caused by your employees, providing essential financial protection and peace of mind.
- Civil liability coverage: Comprehensive expatriate insurance must include civil liability to safeguard against unforeseen legal and financial risks during international assignments.
- Mondassur provides expert guidance to help companies of all sizes find affordable, high-quality insurance solutions.
Secure your team’s health with Mondassur
Choosing the right expat insurance for employees can be complex, but you don’t have to navigate it alone. At Mondassur, we offer:
- Tailored insurance plans for international assignments
- Personalized advice from global mobility experts
- Competitive pricing and flexible options
Protect your employees so they can focus on their work, wherever it takes them. Contact Mondassur today to get a free quote or schedule a consultation with an international insurance advisor.
This presentation concerns a range of generic contracts.
Depending on your situation, Mondassur can also offer you customized quotes.
