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 looking to cover employees who live overseas, we can help you find the right coverage. Our experienced, licensed insurance agents take a tailored approach and listen to the needs and requirements of each organization so they can develop the best proposal for your group or corporation.
There are a variety of international insurers and plans available, so to save you from hours of research, we 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 cover medical emergencies, lost luggage, flight delays, and other additional benefits to ensure you and your group are fully protected. Group international life insurance plans provide additional benefits to key international employees.
Global group health, life, and travel plans are the best way to ensure your group is well protected. If you are organizing a trip abroad for a missionary group or looking to cover employees who live overseas, we can help you find the right coverage. Our insurance agents take a tailored approach and listen to the needs and requirements of each organization so they can develop the best proposal for your group or corporation.
There are a variety of international insurers and plans available, so to save you from hours of research, we 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 cover medical emergencies, lost luggage, flight delays, and other additional benefits to ensure you and your group are fully protected. Group international life insurance plans provide additional benefits to key international employees.
Interested in learning more about international group plans?
Request a free quote and one of our agents will contact you.
Individuals and families, read about international health insurance and travel insurance plans.
Who Needs Group Insurance?
International organizations are opening offices around the world 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 their international team has access to high-quality global benefits plans, including global medical and life insurance coverage.
Additionally, corporations, missionary groups, and nonprofits who 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 We 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 kind of international group insurance you will 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 deal 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 long or 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 playing 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.
Interested in learning more about international group plans?
Request a free quote and one of our agents will contact you.
Group Global Medical 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 insure your employees while they are outside of their home country.
- Your team includes third-country nationals and you want to consolidate coverage into one plan to cover them all
- 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
- You have key employees who live abroad for 3-6+ months per year and need to be able to access care worldwide
If your organization has offices in other parts of the world, you must ensure that your team has high-quality health coverage, no matter where they’re assigned. For these types of situations, travel and emergency medical coverage typically aren’t enough. We can help connect you with the best global medical insurance for your organization, needs, and budget.
With our extensive expertise and experience in the field, we’ve identified and rated the top ten global group health insurance plans for various scenarios. Maybe your organization needs highly customizable benefits but wants access to a broad network of providers. Perhaps you’re running lean and need something that will cover your bases but still fit a tight budget. Or maybe 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 living or traveling abroad for most of the year. Our team of licensed agents can help you determine the coverage and benefits you need to insure 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 plans if you have 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, and their families, have 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 health care professionals around the globe. The GHA plan is designed to cover groups of two or more employees living and working worldwide. Cigna Global also has additional plan options for entities based outside of the USA, including Inspire and Connect plans. Request a quote for more information.
For larger groups, we can provide customized plans to meet your specific needs and work with your team to customize global medical coverage for your employees.
Cigna Global Health Advantage Plan
- International Employee Assistance Program
- Access to Cigna Global’s trusted network of hospitals and doctors
- The convenience and confidence of 24/7/365 customer service
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.
GeoBlue Expat Group Insurance Plan
The GeoBlue Global Expat Plan provides comprehensive international health benefits with enhanced medical assistance services for long-term international assignments. The GeoBlue Expat plan is designed for international assignees and their families when they leave their home countries for six months or more.
GeoBlue Expat Group Insurance
- Rich medical benefits plus evacuation, maternity care, and well visits
- Flexible coverage for international employees of U.S. corporations
- Customizable benefits, premier global network of Doctors and hospitals, excellent customer service
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 internationals residing throughout the world.
Aetna International Ascent
- Member access to our network of more than 1.1 million global providers
- Simple plan administration and implementation, with annual renewal dates
- Compliance with fronting arrangements and local requirements
Eligibility: Plans require a minimum 2 non-related international employees.
Request a Quote for Group Global Health Insurance
Interested in learning more about group global medical plans?
Request a free quote and one of our agents will contact you.
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 — not always with the same team members. You might want an annual travel insurance plan if this sounds like your situation. These plans work well for employees who have a primary health plan in their country of residence but need the plan to cover them for major medical emergencies abroad.
You can purchase your plan at any time in the year, and it will cover emergency medical expenses for the next twelve 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 deductible 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, offer 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 group travel insurance plan based on 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 a Quote for the Cigna MBA Plan or the BCBS Global Travelers plan.
Business Group Travel Insurance for Single Trips
We offer several solutions for short-term business travelers, depending on their needs and 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. For travelers from other countries traveling internationally, Atlas Travel Insurance plans are available to 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.
Read about the unique insurance needs of business travelers at this link: Business Travel Insurance for Employees Abroad
Travel medical insurance policies can cover small and large groups or individuals traveling abroad. These plans will help cover the costs of getting medical attention in an emergency. 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 short-term. It allows the policyholder to cancel if plans have changed, a natural disaster has occurred or they suddenly became sick and can no longer travel.
If your employees or group travel more frequently, we offer multi-trip medical insurance plans which cover you for multiple trips per year.
Best Travel Plans for Groups and Individuals
Our travel plans provide great, short-term cover for employees traveling for business or groups traveling to do volunteer work internationally. These insurance plans include comprehensive benefits, such as medical care, repatriation, and emergency and accident assistance.
Organizers can purchase group travel insurance plans individually or on a group basis. The cost of group travel insurance is determined by the type of coverage selected, the size of the group, the duration of coverage, the destination, and the deductible amount.
Interested in learning about group travel plans?
Request a free quote and one of our agents will contact you.
International 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
Getting Started - Request a Quote Today!
In order for us to assist you in finding options for your group, please let us know a little more about your situation by completing our Request a Quote form.
We can tailor plans to meet your needs, coverage requirements, and budget. After assessing your needs, we will typically be able to provide three or more quotes from multiple insurance companies. If you have any special requirements, please let us know. If you want quotes from specific companies, we will provide them.
Interested in learning more about international group plans?
Request a free quote and one of our agents will contact you.
Author: Andrew Blomberg is the Vice President of Global Benefits at International Citizens Insurance. Andrew is a licensed insurance broker with expertise in the areas of international group travel, global health, life, and disability insurance. Having worked and traveled throughout the world, he has the experience to provide personal insight along with his industry knowledge. Andrew is dedicated to providing group benefits to organizations, large and small, for today's global workforce. Connect with him on LinkedIn.
