Human Resources (HR) and International Employee Benefits

The Human Resources (HR) department is typically the area where International employee benefits are introduced and implemented, such as long-term and short-term International Medical Insurance or Business Travel Accident (BTA).

Some international medical policies will need underlying domestic health insurance in place, others do not.

Individual & Group International Medical

If your company only has a few employees traveling working and living abroad, an individual and family international medical plan will most likely be advised.  For larger numbers of global employees the company can implement an international group medical plan for employees on short-term and long-term global assignments.

An international medical plan should always include; hospital services, outpatient, emergency evacuation, rx, Dr visits along with lab and X-Ray.


Business Travel Accident (BTA)

Some multinational companies will choose to go with a Business Travel Accident (BTA) policy. This can work well for medical coverage as a result of an accident. The policies will also include emergency evacuation along with some reimbursement features for luggage and lost expenses from cancelled flights/hotels etc.

The BTA premiums will typically be lower than a full international medical plan, because most do not include “illness” coverage, and there is typically a maximum benefit per trip.

Domestic Health Insurance provides very little and often NO coverage when outside the U.S.  Worse yet, if an emergency strikes and you need a medical evacuation or need to be flown home for care, international medical provides this coverage while your domestic group health plan does not. Emergency medical evacuation and repatriation services can cost upwards of $100,000 depending on your location, the distance to care, and if a nurse or medical staff is necessary during the flight.

A One-Call Solution for any issue

Some international medical insurance companies have concierge-level service for it’s members.  Global services are available 24/7/365 to assist members with anything from arranging direct pay, coordinating an emergency evacuation or getting the proper follow up care.  For Human Resource administrators, the right policy is readily available to help you assist your employees while on their foreign work assignment.

The One-Call solution along with the mobile app, which is available with certain companies, allows the employee to receive or send vital information or connect directly with the company for assistance.  This communication is a much needed asset for the employee and their family while living abroad.

If help is needed during a holiday, over the weekend or late at night, can they call their domestic carrier?  Is HR open or available to assist?  Global assistance is one of the many assets International medical companies provide.

If you have a unique situation with an employee, independent contractor or third country national, feel free to contact me anytime.  I’m happy to assist with your international medical, group or individual needs.

Questions or more information?

John Conner

Information Request:

HR International Health Insurance with GeoBlue

Human Resource (HR) pro’s understand the need for an international health insurance policy for their employees when traveling, working and living abroad.  This is where GeoBlue Worldwide comes in.

Whether a short-term or long-term assignment, GeoBlue international health insurance provides the necessary coverage and protection which is not offered with a traditional domestic health insurance policy.

Don’t let your Global employees feel stranded in a far-away country if an emergency strikes.

Quick Links:

Domestic Health Insurance Falls Short:

  • NO Emergency Medical Evacuation
  • NO Crisis Management.
  • NO Terrorism Coverage
  • NO Political or Natural Disaster Evacuation.
  • NO 24/7/365 Member Support
  • NO Coverage for outpatient care, Dr. visits, Rx, maternity Lab & X-Ray, etc.
  • International Health provides this and much more.

If your employees are exposed when working outside the U.S., than your company is exposed as well.

Protect your global workforce and their family members with an International Health Insurance policy from GeoBlue.

Comprehensive medical protection and access to over 1.2 million providers in 190 Countries worldwide.

“Finding a doctor in Marrakesh is easy, finding one with a legitimate medical license, well that’s where we come in.”

Multinational employees, Contractors and Third Country Nationals need more than Insurance:

  • Finding and receiving quality treatment abroad can be daunting
  • Many hospitals require payment up front, resulting in steep out-of-pocket expenses
  • Avoiding health and security hazards is essential in today’s global landscape
  • A costly event such as an air evacuation can be critical to access the best care

The Most Complete Solution – GeoBlue

  • From doctor visits to hospitalization to evacuation, clients are covered
  • Preferred access to elite doctors and hospitals ensures quality care
  • We settle claims directly, so care is both cashless and convenient
  • There are no pre-certification penalties and terrorism is covered
  • Pre-existing conditions coverage is available in most instances
  • Health and security tools and news alerts cover hundreds of destinations
  • Convenient service is available via the web, mobile device or phone

Covering Your World with GeoBlue:

Elite Global Provider Network … Outside of the U.S., Blue Cross Blue Shield Global has a distinctive process for evaluating medical providers that is unparalleled in the international insurance industry. We have approximately 140 Regional Physician Advisors (RPAs) who are strategically located around the globe to identify the best doctors and hospitals to contract with in local communities.

Our providers must meet extensive selection criteria and agree to adhere to the quality standards set forth by Blue Cross Blue Shield Global. They must be nominated by one of our RPAs, practice western style medicine, possess accreditations and board certifications from American, UK, Canadian and Australian authorities and speak fluent English. Through this selection process, Blue Cross Blue Shield Global has developed, and continues to expand, an elite network of contracted and profiled providers and facilities around the world.

We have made a commitment to deliver direct pay for both inpatient and outpatient services. Our contracted network receives direct payment from Blue Cross Blue Shield Global or GeoBlue so members will not have to pay and submit a claim. Members who choose one of our long term expatriate plans with US coverage have access to the Blue Cross Blue Shield network.

This network includes more than 92 percent of physicians and 96 percent of hospitals across the U.S. Concierge-level service The dedicated customer service team is available 24/7/365 to assist members with finding providers, scheduling appointments, and addressing health concerns.

Blue Cross Blue Shield Global provides support to members in need of expected or unexpected access to quality medical care, second opinions, video conferencing, and medical evacuation and repatriation services. This team also assists members with planning for health care needs prior to departure on assignment. Our customer service center and global health resources teams are trained to address the needs of a global population.

Use the GeoBlue Global App:

With the GeoBlue app, world travelers have convenient access to the best local doctors, hospitals and resources anywhere in the world. Search providers for medical, dental, or mental health care and map them using GPS technology.

  • Request an appointment with a trusted and vetted GeoBlue Global provider
  • Arrange Direct Pay for future appointments to secure cashless access to care
  • Access issued Guarantees of Payment to view and share with others including doctors and hospitals
  • Find a medication’s availability, generic name, and local brand name
  • Translate medical terms and phrases for many symptoms and situations; use the audio feature to play the translation
  • Display an ID Card on a mobile device and email/fax a copy directly to provider’s office
  • File a claim either by entering information or sending a photo of a completed form
  • View country or city profiles on crime, terrorism and natural disasters


John Conner

Questions & COmments: