Human Resources with GeoBlue for International Employees

Your human resources department can dramatically improve the coverage and protection of their global employee(s) who are working outside the U.S. with GeoBlue International Medical insurance coverage.

International medical insurance is specifically designed to provide access to screened and qualified physicians and hospitals worldwide.  Along with a comprehensive medical policy to meet your hospital, outpatient, lab, rx maternity and emergency medical evacuation needs while on your foreign work assignment.

Domestic insurance provides little and often no coverage while abroad.

When traveling for business, a trip can be disrupted by a medical emergency, a lost prescription or instability in a foreign country

  • Medical … Whether traveling for business or pleasure, a trip can be disrupted by a medical emergency, a lost prescription or instability in a foreign country.
  • Prescription drugs … and replacement medicine for lost prescriptions that are medically necessary.
  • Dental … emergencies for an accident to sound natural teeth or alleviation of sudden unexpected dental pain.
  • Evacuation … in case employees require immediate medical attention and adequate facilities are not locally available.
  • Personal travel … when it’s taken in combination with the employee’s business trip.
  • Medical care for family members … that are traveling with the employee.
Quick and easy claims process
  • Approximately 73% of all MBA claims are paid directly to the health care professional
  • Online claims submissions
  • More than 90% of customer claims are paid in 10 business days or less, regardless of language or currency
Dedicated phone line with around-the-clock service
  • Global service center available 24 hours a day, seven days a week
  • For questions about MBA plans and help finding an appropriate health care professional or facility
  • Access to our clinical team for assistance with medical appointments, hospital admissions or medical advice

Employee coverage available for a few days up to permanent policies.

No administration or enrollments; employer simply purchases a block of weeks and allots to travelling employees.

Cigna Global Health Benefits

Unique expatriate and business travel solutions

  • Underwriting  –  no pre-ex exclusions, no stability clause, no age caps.
  • + 1 Million Global Medical Provider Network – assured quality, discount agreements, direct pay with Cigna card.
  • Compliance – license base in 30 countries = immigration and tax advantages.
  • Cigna Staff on the ground across the globe – doctors, nurses, client management, admin.
  • Health and Wellness Solutions – HRA, Pre-Departure Risk Management, International EAP.
  • Cigna Envoy – mobile app, country guides, provider search, translation tools.
  • Global Leader – trusted insurer to 76% of Fortune 50 companies.
You have employees working in another country

You want to be confident that they and their families have access to quality health care wherever an assignment takes them. With Cigna Global, they will have easy, reliable access to one of the largest networks of health care professionals across the globe—one of many reasons Cigna Global Worldwide Advantage 2 to 20 may be the perfect plan for you.

First, let’s work together to see if it’s the right choice
  • Do you have employees going on an assignment for six months or more in a 12 month period?
  • Does your company have at least 30 employees?
  • Will at least two employees be working on global assignment?
You’ve got options.

In addition to our health offerings, you can add dental, long-term disability, life, dependent life, accidental death and dismemberment, and evacuation/repatriation coverage. Create the ultimate benefits package by adding all of them. Or pick and choose what’s best for your company.

No matter what you choose, your globally mobile employees will be covered virtually wherever they go worldwide.

Please call anytime with questions.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

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Micro Multinational Company International Medical Insurance

The nimble, aggressive and relatively new, Micro Multinational company are embracing the current international medical insurance concepts for their global employees.

For employees who are on longer foreign assignments, modernized global health plans are necessary to keep up with the transient culture of our workforce.

Quote:    GeoBlue        Cigna Global

The forward thinking international medical insurance carriers have global contracts with doctors, specialists, medical groups and hospital facilities in over 190 countries.  Coupled with mobile phone and tablet app’s which allow you to view doctor profiles, make appointments, download and forward you ID before the visit, fill prescriptions, translate common medical phrases, view regional and area common contagious illnesses and diseases.  View politically unstable parts of the world and see if you are near modernized medical care if you were to become ill or injured.

Traditional group health provides no help, advice or guidance while you are abroad.  Also, they are not able to help during an emergency, such as coordinate care, provide translators, help with risk management or med-evac you to a suitable hospital or country for care.

Some international medical companies are similar to Micro-Multinational companies in that they are nimble in their work space, forward thinking, aggressiveness in their specialized market and involved heavily with tech.

Be careful which company you use, some are undervalued and have a propensity to deny claims, others will underwrite at the time of claim and may determine the pre-existing condition is not covered.  While others are pro’s in their market and perform the way you feel they should.

The last thing a company needs is for an employee or employees for feel stranded, far from home if an emergency strikes.

Micro Multinationals depend on their quality global workforce when expanding their footprint, product and brand to other parts of the globe.

Short-term and long-term work assignments are necessary to establish the crucial relationships with foreign governments, cities, partner companies and vendors in the regions of the world for your desired expansion.

International Medical Insurance …

  • Comprehensive medical coverage worldwide
  • 24/7/365 member services hotline
  • Emergency medical evacuation and repatriation
  • Hospital, outpatient, Rx, lab & x-ray, Dr. visits, maternity, dental, etc.
  • Crisis management services during emergency situation
  • Direct pay to doctors + hospitals so the employee doesn’t have to.
  • Access to over 1 million physicians and other medical provides worldwide
  • Unlimited annual and lifetime benefits

Micro-Multinational + International Medical = Happy Employee

Are independent contractors and freelancers part of your company makeup? That’s O.K, we have programs to serve the contractor, freelancer, third country national or any other situation or combination of your workforce

The confidence your employee will feel knowing they are covered with a comprehensive worldwide medical policy that follows them wherever they may be around the globe.

A case of the flu, maybe you need a vaccination, or sprained your ankle and need to get it checked out.  Need to refill a prescription .. no problem, we have you covered.  How about an annual physical or screening .. covered.  And the more serious situations also have you covered .. broken bone, surgery, appendicitis, car accident, heart attack or cancer treatment.

Who do your global employees call with medical issues?  HR or their group insurance company?  What if it’s late at night or on the weekend or holiday.  Will the group health customer service department be open, or even be able to help if they do?  Of course not.

Protect your company, protect your employees … with a comprehensive policy from Blue Cross Blue Shield Global, Cigna Global and GeoBlue.

Many companies are full of bureaucracy, procedures, and approval processes. The Micro Multinational is typically streamlined, quick to more and make decisions, much like the quality international medical insurance companies. Always innovating and looking for a more nimble approach to serving their customers.

Please contact me anytime with questions, I’m here to help with your unique situation.

John Conner
916-682-1117
john@johnconner.com

Information Request:

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Kidnap Ransom and Extortion insurance

kidnap-ronsomKidnap, Ransom and Extortion insurance (K & R) is a reimbursement policy for expenses incurred in the wake of kidnap and ransom, extortion bodily injury, detention and extortion property damage.

Corporations with global operations should consider protecting their staff against the risk of kidnap, extortion, detention and hijack.

blue-line


Kidnap & Ransom Insurance is for:
  • Individuals
  • High Net Worth Families
  • Independent Contractors & Freelancers
  • Corporations
  • Missionary Groups
  • Financial Institutions
  • Academic Institutions

 

krKidnap and Ransom Insurance has been developed to reimburse the policy owner for the expenses incurred with a Kidnapping.  A policy owner will apply for coverage to protect themselves against a loss caused by a Kidnapping or an Extortion.

The Kidnap & Ransom insurance program offers kidnap, ransom and extortion coverage to virtually any type of company or high-net worth individual to meet this growing need.

Crisis Response …

One of the most beneficial parts of the plan is the unlimited expenses for the Crisis Response Team.  The Crisis Response Team has worldwide knowledge about how negotiations should be handled in each specific location.  They will provide advice based on their negotiating experience.  Such as:

  • Should the police be contacted/are the police trustworthy.
  • How to make the Kidnapper provide Proof of Life.
  • Where to set up a meeting.
  • How to strategically talk with the Kidnappers.
  • How to deliver the ransom.
Protecting employees & corporate assets is serious business!

Operating managers in any corporation face the daunting challenge of protecting valued employees and corporate assets.  In most organizations, few people fully understand exposures such as kidnapping or extortion.  But extortion, crime, and political instability are facts of life that corporate leaders must deal with when transacting business in an increasingly global, and unfortunately, hostile environment.

Key Features …
  • Coverage for business travelers and high-net worth families.
  • Unlimited access to specialist crisis response consultants 24/7/365.
  • 24/7 access to in-house claims personnel dedicated solely to kidnap, ransom and extortion claims.
  • Costs of travel and accommodations incurred as recommended by the Crisis Response Team.

Estimates indicate there are anywhere from 12,500 to 25,000 kidnappings a year worldwide.  That figure is up 100% in the last six years.  And, it appears that only 10% of kidnappings are actually reported.  with so few kidnappings hitting the news, it’s easy to explain why the risks may appear rather insignificant.  If the current pattern persists, we can expect that there will be many more incidences in the years ahead.

Covered Events …
  • Kidnap … The taking of one or more of the insured persons captive by persons who then demand a ransom, specifically from the policy owners assets, as a condition of the release of the insured.
  • Extortion … Threatening the insured with injury, death, abduction, or causing physical damage to or Loss of property.
  • Detention … The holding under duress of an insured for whatever reason, other than kidnap, such as political detention.
  • Hijack … The illegal holding under duress for a period in excess of six consecutive hours of an insured while traveling on any aircraft, motor vehicle or waterborne vessel.
K & R Benefits …
  • Ransom
  • Crisis response team fees
  • Ransom lost during delivery
  • Rest and rehabilitation costs for victim
  • Personal accident
  • Permanent total disablement
  • Loss of extremity
  • Death
  • Loss of sight
  • Loss of limb
  • Travel expenses
  • Psychiatric expenses
  • Loss of income
  • Specialized equipment
  • Child care

Questions?  Call or email anytime.

John Conner
916-682-1117
john@johnconner.com

Quote & Information Request: