HIGHLIGHTS OF OUR INTERNATIONAL COMPREHENSIVE MEDICAL INSURANCE PLANS:
Designed for employers with employees who are either US or Canadian citizens who reside abroad and for employers with employees who are local nationals and third country nationals (TCNs).
Plans are for 2+ employees and their families.
Offers worldwide coverage.
PRIMARY PLANS that include medical, dental, life and indemnity benefitslies.
ALL OF OUR PLANS ARE CUSTOMIZABLE.
Global HealthGuard:
The HTH Global HealthGuard health plan is designed to support international assignees and their families when they leave their home countries for 6 months or more. They leave on important business, but their health and financial security are at serious risk because of significant gaps in most available group coverage and services. This risk is only heightened by limited knowledge of health and safety hazards around the world, including medical treatment from unfamiliar providers.
HTH Global HealthGuard is the premier international health plan because it combines comprehensive worldwide benefits with a new generation of medical assistance services, which include an impressive array of online tools used to identify, access and pay for quality healthcare all around the world. Plan designs are flexible, and can be customized to meet clients' needs.
HTH Global HealthGuard is designed for:
- U.S. and non-U.S. employees
- 2 or more internationally assigned employees
- Expatriate employees
- Third country national employees
- Local national employees
- Independent contract employees
- Spouse and children
HTH Global HealthGuard Highlights:
- Available as a Primary Plan or a Supplemental Plan
HTH Global HealthGuard Advantages over Competing Plans:
- No waiting periods associated with any preventive services.
- Administered using HIPAA guidelines — the pre-existing condition exclusion can be waived with proof of prior creditable insurance.
- Covers injuries or illnesses that are a result of a terrorist act.
- No precertification required except for transplants.
- Deductible is waived for office visits to HTH participating providers outside the U.S. and preferred providers inside the U.S.
- No limit on time spent in or out of the U.S.Comprehensive, employer-sponsored group medical coverage
- Life, dental and daily indemnity coverage available
- Customizable plan designs
- Maximum limit up to $5,000,000
- Worldwide coverage
- 24 hour secure access from anywhere in the world to manage your account at any time
- Three tiers of coinsurance: 100% outside the U.S.; 80% in-network inside the U.S.; 60% out-of-network inside the U.S.
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GEO GROUP:
GEO Group is one of the most comprehensive group hospital, surgical, medical and life insurance programs in the world.
This program is designed for employers with employees who are either U.S. or Canadian citizens who reside abroad and may return to the U.S. or Canada temporarily (for less than 12 months), or are overseas local and third country national employees. GEO Group allows employers to carve out their International employees to provide them with U.S.-style benefits and worldwide coverage. This program includes medical, dental, life and indemnity benefits for these employees and their families.
GEO GROUP is designed for:
- U.S. and non-U.S. employees
- Two or more internationally assigned employees
- Expatriate employees
- Third country national employees
- Local national employees
- Independent contract employees
- Spouse and children
GEO GROUP Highlights:
- Comprehensive, employer-sponsored group medical coverage
- Life, dental and daily indemnity coverage available
- Customizable plan designs
- Full group takeover available
- Cost-effective international rates
- Maximum limit up to $8,000,000
- Worldwide coverage
- Freedom to seek treatment with hospital or doctor of your choice
- 24 hour secure access from anywhere in the world to manage your account at any time
- Access to eDocAmerica - an online portal where you can speak to board certified physicians, licensed psychologists, dieticians, fitness trainers and more
GEO Group is a revolutionary program designed to meet the global health care needs of international assignees, and provide multinational employers with flexible options of both benefits and services.
GEO Group is a comprehensive, yet cost-effective plan designed specifically for employers who need international group medical coverage for their employees around the globe. The plan provides a wide range of customizable benefits that can be modified to suit your specifications, combined with the top-shelf service of an established leader in the international medical insurance arena. IMG focuses solely on the international medical insurance market while performing all administration functions in-house, thus giving us greater control over the quality of our service and helping to keep your costs low.
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Group Secure is designed for:
- Designed for US-based organizations with employees overseas or non-US organizations with employees who lack adequate home country medical coverage
- Designed for organizations with 3 or more employees working abroad
Group Secure Highlights:
- Comprehensive international group benefit program
- Customizable plan designs
- Maximum limit up to $1,000,000 or $5,000,000
- Offers medical/surgical benefits and optional benefit packages, including dental benefits and outpatient prescription
- Options available to create the customized group insurance plan that is right for your organization
- Spouse and dependent coverage available
- No age maximum
- Online access to Client Zone
Download Brochure
Product Brochures for Educators
GEM Highlights:
- Comprehensive, long-term employer-sponsored medical plan
- Policy maximum $5,000,000
- Deductible options to $25,000
- Coverage for groups
- Access to MyIMG
- Dental coverage
- $500 per year wellness benefit
- Continuation of coverage benefit
- Mail Order Drug benefit
- Flexible plan design
GEM is designed for the staff of international schools and universities including:
- U.S. and non-U.S. employees
- Third country national employees
- Local national employees
- Dependents may be located in their home country
IMG has been providing our expertise to international schools for more than a decade. We’ve earned a reputation for being flexible and responsive to the needs of educators, administrators, and staff around the globe. That responsiveness led us to develop GEM, Global Educators Medical. This plan offers a wide range of benefits and services that makes your life easier, offers the benefits you need, and provides faster claims services.
Additionally you have access to more than 17,000 providers when seeking treatment outside the U.S. using our International Provider Access (IPA). You can also locate highly qualified providers when seeking treatment in the U.S. through the independent Preferred Provider Organization.
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Product Brochures for Supplemental Plans
HTH Business Traveler
A group supplemental health insurance program featuring services to empower the traveler to stay safe and healthy and to make life easier for benefit managers
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If we can be of further assistance, please do not hesitate to contact us. Thank you!
IMG
MISSION+PLUS INTERNATIONAL®
- Mission+Plus International was designed specifically to provide comprehensive medical insurance to missionary groups.
- Offers continuous coverage while overseas and back in the US while on furlough or deputation.
- Mission+Plus International provides US$1,000,000 or $5,000,000 of lifetime coverage with a full range of benefits.
- Your group members will be covered worldwide, including their country of citizenship, 24 hours a day.
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insuropiia.com
patterson international insurance
insuropiia.com is your perfect stop for international health insurance,
travel insurance, and long-term medical insurance
HCC MIS
ATLAS CORPORATE
- annual plan
- for multiple employees
- for multiple destinations
- add/subtract days
- minimum 100 days purchased
international
employer
comprehensive medical
insurance plans
As an international employer, it’s important to provide the proper medical coverage for your employees. You need to be able to recruit and retain top-level staff. You want to ensure that they receive worldwide access to quality care, superior international claims administration and the financial stability from an established leader in the international medical insurance field.
Long-Term Travel Medical Insurance
Single Trip or Short-term Travel Medical Insurance
Frequent Traveler
GROUPS
STUDENTS
Missionaries & Mission Sending Organizations
Are you a mission sending organization of two or more international missionaries? An International Christian School? Or a Church that is sponsoring missionaries? Then visit our Missionary Insurance Page.
As an international employer, you should feel confident that your group plan provides the quality medical coverage you need. That's why insuropiia.com offers a wide range of high-quality, affordable group health insurance solutions to meet your needs and your budget. We have ten good reasons why insuropiia.com is the one-stop insurance site for international employers and probably the best international insurance company in the world:
1. Affordable – we offer a wide range of high-quality, affordable group health insurance solutions to meet your needs and budget
2. Options - we offer both Primary Plans and Supplemental Plans for international employers and international employees
3. Customizable - we work with international employers to design plans that meet your specialized needs - whether you need a plan for short-term travel or an employee taking a long-term assignment
4. Flexible Coverage - we offer short-term and long-term group international health insurance plans
5. Quality - we offer insurance plans from recognized leaders in international health insurance
6. Experience - our plans have been serving hundreds of thousands of world travelers annually
7. Global Reach - our insurance providers have built provider networks worldwide to reduce costs and encourage easy access, and continuously work with the medical providers to promote quality care
8. 24/7/365 - all of our plans come with concierge-level medical assistance services
9. Competitive – because we have relationships with multiple insurance providers, we can obtain multiple quotations
10. Customer Care – we work with you to ensure that you understand the international group plan benefits before you purchase.
Feel free to Contact Us to schedule a phone call. If your company is based in Texas, Arkansas, Missouri, Kansas or Oklahoma we would be pleased to visit your office to present the international medical plans available – Contact Us to schedule a presentation.
what type of employer plan do you need?
one for educators one for mission-sending organizations one for all others
A PRIMARY PLAN that is medically underwritten (also available as a SUPPLEMENTAL PLAN)
6+ MONTHS, 2+ EMPLOYEES
HEALTH GUARD Offered by HTH Worldwide
HTH Global HealthGuard Highlights:
- Maximum limit up to $5,000,000
- Available as a Primary Plan or a Supplemental Plan
- No waiting periods associated with any preventive services.
- Administered using HIPAA guidelines — the pre-existing condition exclusion can be waived with proof of prior creditable insurance.
- No precertification required except for transplants.
- Deductible is waived for office visits to HTH participating providers outside the U.S. and preferred providers inside the U.S.
- No limit on time spent in or out of the U.S.Comprehensive, employer-sponsored group medical coverage
- Covers injuries or illnesses that are a result of a terrorist act.
Life, dental and daily indemnity coverage available - Customizable plan designs - Worldwide coverage - 24 hour secure access from anywhere in the world to manage your account at any time - Three tiers of coinsurance: 100% outside the U.S.; 80% in-network inside the U.S.; 60% out-of-network inside the U.S.
A PRIMARY PLAN that is medically underwritten
12+ MONTHS, 2+ EMPLOYEES
GEO GROUP Offered by IMG
GEO GROUP Highlights:
- Maximum limit up to $8,000,000
- Available as a Primary Plan
- Comprehensive, employer-sponsored group medical coverage
- Freedom to seek treatment with hospital or doctor of your choice
- Full group takeover available
- Cost-effective international rates
Life, dental and daily indemnity coverage available - Customizable plan designs - Worldwide coverage - 24 hour secure access from anywhere in the world to manage your account at any time - Access to eDocAmerica - an online portal where you can speak to board certified physicians, licensed psychologists, dieticians, fitness trainers and more
PRIMARY SPECIALTY PLANS are underwritten for a unique group of individuals
- EDUCATORS, INTERNATIONAL SCHOOLS
- MISSION-SENDING ORGANIZATIONS
SUPPLEMENTAL PLANS require the individual to already be enrolled in a Primary Plan
- EVACUATION PLANS
- ANNUAL RENEWABLE PLANS FOR EMPLOYEES TAKING MULTIPLE TRIPS
- INTERNATIONAL HEALTH PLANS
A PRIMARY PLAN that is medically underwritten
12+ MONTHS, 3+ EMPLOYEES
GROUP SECURE Offered by HCCMIS
GROUP SECURE Highlights:
- Maximum limit up to $1,000,000 or $5,000,000
- Available as a Primary Plan
- Comprehensive international group benefit program
- Offers medical/surgical benefits and optional benefit packages, including dental benefits and outpatient prescription
- Options available to create the customized group insurance plan that is right for your organization
- No age maximum
Customizable plan designs - Spouse and dependent coverage available - Online access to Client Zone which is a wealth of information and allows you to manage your account online
NEED COVERAGE NOW?
If you need supplemental coverage for a member of your staff who is planning an international business trip in the next few days, then visit our Short-Term Travel Page at www.insuropiia.com/short_term_medical
It is fast, easy, affordable and competitive - on-line fulfillment in just moments.
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ARE YOU A FREQUENT TRAVELER?
For those who travel several times throughout the year, visit our
Annual Multiple Trip page at www.insuropiia.com/annual_multi_trip
We offer several international insurance plans for individual staff and groups - our options are affordable and competitive - and the process is fast and easy with on-line fulfillment in just moments.
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Start searching! To find the international insurance product that’s right for your organization,
simply click on one of the images below to print and review brochures:
[Click on the image above
to download pdf brochure.]
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to download pdf brochure.]
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