Frequently Asked Questions (FAQ)

What you need to know about our coverage options.

  1.  How many Employees do we need to launch an International Employee Benefits Plan?   – 2 Employees outside of your Home Country
  2. Do you offer Dental, Vision, Life and Disablity Insurance?  Yes we do!  We can include it with your Health Program
  3. Do you offer Business Travel Accident Coverage?  Yes we do!
  4. Can we add one country at a time or do we have to cover all our International Employees at once?  Yes you can!  We realize it’s hard to communicate and enroll employees that are not in the same time zone or continent. We allow you to roll out the coverage in a way that best suits your company.
  5. Do our employees have to fill out Medical Statements for Underwriting?  That depends on the number of employees in each country.  Typically, any company with more than 5 employees can have non-Fully Medically Underwritten Applications.
  6. Can we get One Bill for our entire International Workforce?  Yes!  We can aggregate your benefits cost into One Billing.
  7. Which Carriers do you work with?  Currently, we work with Allianz, AXA, UHC, Cigna and many others. We’ve found that not one carrier can provide our customers with every country that they need to cover or every benefit that our customers need.

What are the requirements, by the country for Travel Health Insurance?

The following is a summary of travel insurance requirements today

  1. Travelers from the USA
    Whether insurance is required depends on the insured’s country of residence and destination country. Aon Travel Practice plans and the coverage we offer are designed to meet the needs of US travelers. In the US, coverage designs typically focus on trip cancellation – this represents approximately 80% of paid claims.Very little has changed for US travelers as far as being required to carry health insurance coverage:Cuba requires coverage from a non-US company, travelers can purchase this upon arrival.
  2. New Caledonia, a French territory off Australia, requires provide proof of coverage prior to entering.
    Ecuador had enacted a law requiring health coverage but as of August 2018 eliminated the requirement.
  3. The Schengen Visa & Travel Insurance Requirement
    Note: The following does not apply to citizens of the US, Canada, Mexico, and the EU.Schengen refers to the EU passport-free zone that covers most of the European countries. Only travelers from certain countries need a Schengen visa and travel insurance. The insurance must include €30,000 EUR of medical coverage (approximately $35k USD as of January 2019).The 26 Schengen countries are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.Nationals of certain countries that have yet not reached a visa-liberalization agreement with the Schengen member states need to obtain a visa prior of their arrival in Europe, and would require proof of sufficient insurance.This requirement only applies to guests traveling from: Afghanistan, Algeria, Angola, Armenia, Azerbaijan, Bahrain, Bangladesh, Belarus, Belize, Benin, Bhutan, Bolivia, Botswana, Burkina Faso, Burma/ Myanmar, Burundi, Cambodia, Cameroon, Cape Verde, Central African Republic, Chad, China, Comoros, Congo, Cote D’ivoire, Cuba, Dem. Rep of Congo, Djibouti, Dominican Republic, Ecuador, Egypt, Equatorial Guinea, Eritrea, Ethiopia, Fiji, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Guyana, Haiti, India, Indonesia, Iran, Iraq, Jamaica, Jordan, Kazakhstan, Kenya, Kosova, Kuwait, Kyrgyzstan, Laos, Lebanon, Lesotho, Liberia, Libya, Madagascar, Malawi, Maldives, Mali, Mauritania, Mongolia, Morocco, Mozambique, Namibia, Nepal, Niger, Nigeria, North Korea, Northern Mariana’s, Oman, Pakistan, Papua New Guinea, Philippines, Qatar, Russia, Rwanda, Sao Tome and Principe, Saudi Arabia, Senegal, Sierra Leone, Somalia, South Africa, Sri Lanka, Sudan, Suriname, Swaziland, Syria, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Tunisia, Turkey, Turkmenistan, Uganda, Uzbekistan, Vietnam, Yemen, Zambia, and Zimbabwe.The UAE
  4. Health insurance is mandatory for certain visitors to enter the UAE (Dubai, Abu Dhabi, etc.), for citizens of countries that are required to apply for a UAE Visa prior to travel. However, citizens of many countries, including the US and EU, are eligible to receive a Visa upon arrival, with no travel insurance requirement.

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