International Insurance Solutions
Prepared for
The Forum for Expat ManagementDFW Chapter
AgendaAbout ITG WorldwideProductsAdvantages of a BrokerShort-Term TravelForeign National/U.S. InpatsLong Term U.S. ExpatsHigh Risk Coverage Contact Information
About UsOver 25 years experience in the international
health insurance market
Well-established relationships with all major international insurance carriers
Extensive product knowledge with solutions to fit a wide range of client needs
Dedicated Policyholder Services Manager
Products International health insurance for individuals and
groupsTravel medical and trip cancellation insuranceMedical and political evacuation insuranceWar Zones – Defense Base Act, High Risk,
Kidnap & RansomLife, AD&D and LTDCustom designed programs including self insured
Advantages of a Broker Broker has freedom to choose best fit for client
from an array of carriers and products – not limited to one carrier’s product line
Employers can leverage broker relationships with carriers
Broker’s loyalty is to the client not the carrier
Dedicated policy services and support to employer and employees
Short-Term TravelDefined as six months or less (cumulative or consecutive)
- After six months the domestic health insurance residency clause goes into effect; employee considered uninsured and claims will automatically be denied (residency clause may be omitted from some self-insured plans)
Things to consider:- Does the employee have a pre-existing or current condition?- Will they need sojourn or dependent coverage?- Do they require additional AD&D coverage?- Does their domestic life policy follow them outside the U.S.?- Do they need war and/or terrorism coverage?
Foreign Nationals – U.S. Inpats Do you provide coverage for short-term inpats?
If yes, what benefits are covered and how does the plan work?
- Direct pay or expense reimbursement basis?
- How are large claims or hospitalizations handled?
- Are pre-existing conditions covered?
- Are family members covered if traveling with employee?
- Are there benefits for medical evacuation to home country, bedside visit or repatriation of remains?
If no, does home country health plan cover them in the U.S.?
Consequences: Risks of inadequate coverage or no coverage
- No doctor referral sources- No PPO discounts- Inconvenient for employee -- paying costs upfront may be difficult- Hidden soft costs -- employees may go home for treatment rather
than completing their assignment- May not have repatriation of remains, bedside visit or medical
evacuation
Foreign Nationals – U.S. Inpats
Long-Term U.S. ExpatsDefined as six months or more
- Again, residency clause goes into effect once they are outside the country 180 days or more cumulative or consecutive and may be omitted from self insured plans.
Things to consider:- Does the employee have a pre-existing or current condition?- Do they require additional Life, AD&D or LTD coverage?- Short Term Disability is not available with international plans- U.S. benefits with HIPAA compliant carrier- Repatriation of Remains- Employee on assignment/family coverage
High Risk CoverageWhen is high risk coverage necessary?Where is high risk coverage necessary?
All of Latin and South America (specifically Mexico, Colombia, Venezuela & Panama).
In Africa the big countries are: Nigeria, Kenya, Somalia, Sudan and Chad
In Middle East: All of the countries except UAE
Far East: Indonesia & Philippines
Types of coverage: War and Terrorism Coverage
Kidnap & Ransom Insurance
Worldwide helpingcompanies solve the
complex challenges of global business
Contact InformationWilliam Cole
Vice President
858.755.4900 San Diego Office
858.213.4111 Mobile
415.373.0786 Fax
Kristin Ash
Sales Director
972.722.6399 Dallas Office
415.786.3424 Mobile
415.373.0786 Fax
Tami Pettitt
Policy Services Manager
415.599.4462 Novato Office
877.598.8646 Toll-Free
415.373.0786 Fax
Vicki Sutton-Beattie
Sales and Marketing Coordinator
415.599.4615 Novato Office
877.598.8646 Toll-Free
415.373.0786 Fax
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