Third Country National employees can sometimes fall into a tricky situation regarding group health insurance. They may fall outside the typical company guidelines when hired to work outside the employer’s country.
A third country national is someone who, for example; a U.S. citizen who is hired by a non U.S. company in this case, Germany and working in Brazil. Does the hiring company have a global group health policy? Are the benefits limited in different parts of the world. Are there any doctors or hospitals who have been screened or contracted as providers? Are you hired as an Independent Contractor which makes group health even more difficult to enroll in?
Many difficult situations arise when global medical insurance is needed for certain employees in far off locations of the globe. One employee or hundreds, it doesn’t matter, if coverage is poor or access is limited, the employees and company are at risk.
International Travel Medical Insurance from companies like; GeoBlue Worldwide or Cigna Global have been insuring individuals, families and employer groups for decades. They are both designed specifically for the individual, family or group traveling, working or living abroad.
Comprehensive medical coverage, Zero deductible and unlimited coverage options are available for; hospital, doctor visits, prescription coverage, physical therapy, X-Ray and lab, preventive care, maternity, medical evacuation, injury coverage for terrorism and so much more.
Take along with you the best mobile technology available, and find screened and contracted doctors & hospitals in 180 countries. Review in depth doctors profiles, fill a prescription, make an appointment and find directions all on your mobile app.
Communicate with Confidence …
As a member, your computer or mobile device becomes a powerful translation tool. Our database consists of over 5,000 commonly used medical terms and 4,000 medical health phrases in dozens of languages.
It’s easy to find the term or phrase you need, and once you do, audio files allow you to play a precise translation in the world’s most widely spoken languages.
If your plan is to live outside of the U.S. for more than 6 months, your current American health insurance plan and company will terminate your plan and deny all claims from the time you leave the country. Be very careful, if your intent is to live outside the U.S. for 6 months or longer and continue to pay your premiums hoping to keep your plan active, your American insurance company will investigate all claims which occur outside the U.S. and in most cases cancel your policy effective the date you left the U.S and pay back any premiums you paid after you left.
It’s much easier than you think to find quality global medical coverage regardless of where in the world you live, work or play. International Health Insurance companies all have different contracts, benefit types and coverage outlines. Some provide only international coverage, while other can include U.S. benefits. A few will cover pre-existing conditions while many won’t. And some will cover injuries resulting from a terrorist attack.
Individual global and or Group international policies are available. Feel free to contact me anytime to help find the right plan for your unique needs.