Group evacuation insurance

Expat Financial can offer group evacuation insurance plans for multinational corporations, Non-Governmental Organizations, Missionary groups and even governments. When your employees are posted overseas and experience a medical emergency that can’t be addressed in the host country, it is critical that your organization have a comprehensive evacuation insurance plan. We are able to source evacuation insurance that is on a stand-alone basis or as part of an international benefits plan.

It is also important to have security, political and disaster evacuation insurance plans for your employees posted overseas, especially if they are posted in high-risk zones.

Why Global Employers Should Have Medical Evacuation Coverage

If your organization is sending employees abroad for short or long-term work assignments, it is vital that it have robust medical evacuation insurance. Here are the top five reasons why companies should have medical evacuation insurance:

  1. Financial Protection: When employees require medical evacuation, there can be some significant expenses, including transportation costs, medical care, and logistical arrangements. A lack of adequate coverage can lead to financially crippling costs for the employer and, potentially, the employee. We recommend medical evacuation insurance, which provides financial protection by covering these expenses, thus mitigating the financial burden on the company.
  2. Duty of Care: International employers have an ethical and legal duty of care to ensure the health and safety of their employees, especially when they are on an overseas assignment. Global medical and of course medical evacuation insurance is a crucial component of fulfilling the promise to employees to meet the duty of care. It gives employees and dependents abroad access to emergency medical services and evacuation procedures. We find that this helps safeguard their health and well-being.
  3. Rapid Access to Medical Care: Medical evacuation insurance typically includes access to an around-the-clock emergency response that is tasked to help transport employees to the nearest center of excellence that can handle the medical crisis effectively. This ensures timely and efficient coordination of evacuation procedures, including arranging transportation and communicating with medical professionals on the ground.
  4. Essential for Employees in Remote Regions: When an employee is experiencing a medical emergency and local care is unavailable, or not up to the task, a medical evacuation can be triggered and approved by the insurer and their evac provider. This service can be extremely costly without insurance coverage.
  5. Risk Management: Medical evacuation insurance helps organizations demonstrate their commitment to employee safety and well-being. This gives employees the assurance that their medical needs will be met wherever they are located and reduces the liabilities to the employer in a medical emergency. Risk management with evacuation cover is an essential part of sending employees abroad. It can also help safeguard the company’s reputation by ensuring that appropriate measures are in place to respond to emergencies effectively.

Evacuation Insurance Plans

Medical Emergency Response Plan

We have to prepare for the unexpected when employees are posted abroad. Your organization may want to consider a tailored medical emergency response plan (MERP). This is because it can help management identify and mitigate the risks presented in any location. Some evacuation providers can help our clients develop and manage a plan that can give valuable, invaluable insights into the availability, logistics, feasibility, and challenges of medical provisions.

These reports need to be reviewed on a regular basis and cover all the aspects of evacuations and repatriations and the logistics involved. This should include, but not be limited to:

  • Healthcare Facilities
  • Risk Data
  • Emergency Service Reliability
  • Evac Options
  • Notification Practices
  • Insurance Coverage Contacts

Arranging a Medical Evacuation for Employees

Every medical evacuation of an employee is different, but here are some steps:

  1. Assess Situation
  2. Contact Evac & Medical Providers
  3. Provide Detailed Info
  4. Coordinate with Medical Professionals
  5. Obtain Transport
  6. Arrange for Logistical Support
  7. Maintain Continuous Communication

and cover crucial aspects such as repatriation and evacuation logistics. They also provide essential measures to address any potential shortfalls, where applicable.

Contact us today to review your global evacuation needs today.