Medical Plan

Is your company employing American expats?

Is Your Company Aware of the Risks for American Expats?

Is your organization or multinational company employing American expats? Are you aware that most American expatriates will want to seek medical treatment in the USA if possible, especially for serious conditions? If so, are you aware of the significant costs associated with medical care in the USA?

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Future Expat Employee Trends for Expatriate Employers

Cigna has recently released a detailed study on expatriate trends for global employers with the National Foreign Trade CouncilCigna Global Benefits surveyed employees on how they felt about the benefits offered by expat employees – such as housing, income, taxation, education and of course insurance. This is very valuable for global mobility managers because Cigna set up anonymous feedback from the employees for candid feedback from over 100 countries. We wanted to summarize the findings from an expat insurance specialist perspective and provide our insights and opinions for our expat clients and prospective clients around the world.

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Health Insurance Cover

Covering the chronic medical conditions of expat employees

Why should expat employers have a global benefit plan that covers chronic medical conditions? In today’s globalized economy, more and more companies are sending employees overseas to help their companies expand their markets. This includes companies involved in mining, engineering, manufacturing, oil & gas, legal and much more. These expatriates are a vital asset for multinationals and organizations who want to retain and attract global talent. These expats are a key part of any multinational’s global success. However, many of these expat employees or their dependents may suffer from unseen medical conditions, otherwise known as chronic medical conditions. These “hidden diseases,” otherwise known as chronic conditions, are usually not something that companies can ask their current or future employees about.

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Business travel insurance policies – covering your employees traveling abroad

Business travel is a crucial part of the job. You will always carry tasks at hand and learn something new. But you want to avoid getting sick – there are ways to stay healthy and safe on the road. With an appropriate business travel insurance plan, your employee can be covered while travelling around most if not the entire world. In this article, we will introduce business travel insurance policies to provide your company and the employees with peace of mind.

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Hiring expatriate employees in China – Tips for foreign firms

As China has become one of the world’s fastest-growing economies, many expatriates are willing to work in China. Playing a vital role in international trade, many provinces in China are developed and industrialized, especially in the coastal regions. Major cities such as Beijing, Shanghai, Guangzhou, Hong Kong and Macau have attracted many foreign capital investments and financial institutions. These cities have become major economic centers, and there are more and more expatriates coming to China to work. However, most foreign employees are not entirely familiar with their employment requirements in China. In this article, we will introduce expatriate employment, hiring expatriate employees in China and the importance of expatriate healthcare insurance.

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Medical Condition

Expat Benefit Plans – Make sure pre-existing conditions are covered!

Sending expatriate employees overseas is a massive undertaking for any company or organization, and this task usually falls to the global mobility or human resources manager. An expatriate assignment is an enormous investment, and the costs of a failed expat move can be quite significant. One of the most important considerations for HR managers is setting up an international benefit plan that will cover life, AD&D, disability, dental, evacuation and especially international health insurance. However, one of the most important questions to ask of any benefit plan is will it cover pre-existing medical conditions.

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An ageing population is impacting expat benefit plans

Nowadays, most people are living longer at an ever-increasing rate. Due to the improvements in medical technology and other factors, there is a trend for people to stay in employment while well past traditional retirement ages. A question you may be asking yourself is how does an ageing populations impact expat benefit plans? Let’s take a look at the graying of the workforce, and the likely impact may bring for mobile employee benefit plans.

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