International Medical Insurance for Silicon Valley Employees

Silicon Valley employees, independent contractors, third country nationals and global families all need international medical insurance protection from accidents and illnesses which occur abroad.

Silicon Valley companies who send their employees abroad on long-term and short-term assignments can be covered by either a Group International plan or single Individual international medical plans.

Both offer similar coverage, although the group plan will offer guaranteed enrollment regardless of the employees current or previous health status. Individual international medical plans, at least the “good ones,” will have limited medical underwriting which need approval before the policy is either approved or denied.


When are “Individual” International medical policies chosen?  Usually when there are a few employees and or families needing coverage.  More than 5 or 6 employees or contractors, the employer will typically opt for a group international medical plan.

Group Plans are very easy to start and have very limited  administration. Also, group plans can include independent contractors and third country nationals who are not necessarily on your payroll.  You do not need proof of employment through payroll records.

Silicon Valley’s tech, medical and pharmaceutical industries are all very involved with providing international medical insurance to their employees and contractors on a short-term and long-term basis.

Start-ups with only a few employees up to multinational corporations with hundreds, take advantage of the available international coverage options regardless of where you are and for how long.


  • Inpatient, Outpatient, Prescriptions and much more.
  • Access to the world’s largest health network – with more than 1 million doctors and hospitals across the globe.
  • Fully compliant plans.  We are experts in helping choose or design globally compliant solutions that are cost-effective and comprehensive.
  • 24/7/365 access to our Service Center and in-house team of international doctors and nurses.
  •  This innovative website is loaded with features that help you manage your benefits and help your globally mobile employees get the answers and care they need.
  • The option to speak with a counselor about mental, emotional and general life issues through the international Employee Assistance Program.  Help is available anytime.
  • Quick claims payments.  More than 90% of clean customer claims are paid in 10 days or less regardless of language or currency.
  • A success rate of nearly 100% in establishing guarantees of payment on behalf of customers to doctors and hospitals around the world.
  • Additional “above and beyond” services that include remote second opinions from the Cleveland Clinic, international pharmacy fulfillment, and much more.

No matter what you choose, your globally mobile employees will be covered virtually wherever they go, even if they are relocated.  And to make the return home less stressful – for you and them – they’ll have a period of time where their Cigna Global plan covers them at home.

John Conner

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International Medical Insurance for Oil and Gas in Latin America

Oil and Gas employees, independent contractors, third country nationals and executives all need International Medical insurance while working and living in Latin America.

In the event of an accident or illness while on the job or off, your International Medical plan is designed to pay so you don’t have to. Hospital, outpatient, lab & X-ray, emergency evacuation, Rx, surgery, Dr. visits and much more.


Plus access to quality english speaking doctors and specialists worldwide.

All divisions of the oil and gas industry in Latin America are covered with an international medical plan. Including; exploration and production, storage and transportation, refining, pipelines, booster stations and compressor stations.  And don’t forget about Human Resources.


Working in a large city or remote location, international medical can provide not only desperately needed medical care but also access to the best most qualified specialists and surgeons available.  If adequate medical is not accessible, companies like Cigna Global will medi-vac you to a city, state or country that provides the quality care you need.

Many hospitals in Latin America won’t even admit you in the event of an emergency unless you have either a high limit credit card or an international medical insurance ID card from a reputable insurance company.  Domestic insurance is not looked upon favorably outside of the U.S.  It simply doesn’t pay for enough services and reimbursement takes too long for it to be reliable international insurance.

Living in a new location

If you are new to a country or location, most likely you are unfamiliar with were to go for medical treatment, the language may be a barrier or there are simply no westernized facilities available.

Experienced global medical insurance companies provide mobile applications to help locate doctors, view their profiles, fill prescriptions, schedule appointments, provide common medical term translations along with other useful information.


Need help?  You have phone access to advisors, translators and risk managers for mild concerns up to emergency situation.  Access to experienced, professional help is at your fingertips.

No matter what you choose, your globally mobile employees will be covered virtually wherever they go.  Even if they get relocated.  And to make the return home less stressful – for you and them – they’ll have a period of time where their Cigna Global plan covers them at home.

You’ve Got Options … In addition to our global health offerings, you can add dental, long-term disability, life and evacuation / repatriation coverage.  Create the ultimate benefits package by adding all of them, or pick and choose what’s best for your company.

Evacuation / Repatriation … If an emergency strikes, our evacuation / repatriation policy ensures that your employees get transported to a facility that can handle their needs.  Medical evacuation is a critical benefit, insuring your employee of dependent family member is transported to a facility that can properly care for their medical emergency.  To a hospital nearby, to another country or back home for care. This optional benefit is payable at 100% and has no deductible. Medical coverage is required for this optional benefit.

Call today for more information regarding long and short-term international medical coverage.

John Conenr

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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

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Oil and Gas Industry International Medical Insurance for Abu Dhabi

The Oil & Gas industry in Abu Dhabi which is the center of the petrochemical industry in the United Arab Emirates UAE.  With the rising oil prices Abu Dhabi companies will most likely start rehiring many of the layoffs from the downturn in 2016.

Many of these employees, contractors and third country nationals will be comparing, reviewing and enrolling in quality long-term international medical insurance while on the job outside of their home country.


Much of the new employment opportunities in Dubai, will also be for the Dubai Expo in 2020.  The new massive Infrastructure being planned and build out will provide great opportunity for many industry groups such as, building, construction and maintenance.  HR professionals are also in high demand along with sales and marketing.

The UAE isn’t always just about the Oil and Gas industry, finance, IT, manufacturing and health care also carry a lot of weight in Abu Dhabi and the rest of the United Arab Emirates.

Before accepting a new employment opportunity with your current company or with a new company, make sure you have your international health insurance in place and is being provided by a sound and established insurance company familiar with the middle east and surrounding health care access points.

Employers and HR who are sending employees, contractors or third country nationals to Abu Dhabi can either start or add them to their “Group” international medical plan or if you only have a handful working abroad, you can enroll them in “Individual” international medical policies.

There is only limited medical underwriting and the enrollment is very quick and easy.  No, group administration other than the monthly premium payment.

Some international medical companies are a “one policy fits all” design. You can only change the deductible.  This may work for you and your employees but other International Medical Companies offer a “modular” approach to their plans, with more flexibility to fit your needs and budget.

The “modular” approach is; you have a “core” benefit package which includes hospital, inpatient, MRI Cat Scans, Lab/X-Ray, Psych coverage maternity and Cancer treatment.

Then you are offered “Optional” modules to fit your needs.  Outpatient module – this includes the typical outpatient types of visits. Some choose to go without this module because where they are in the world offers very inexpensive doctor, chiropractic, and physical therapy visits and care.

Emergency Medical Evacuation module is also optional.  I would take this one.  It’s very important to have med-evac coverage which will fly you to a locale that can properly care for your needs, or even back to your home country for care.

Preventive & Well-Being module, again many will go without this one, because the area they are living provides annual physicals and mammograms for a very affordable price.

Dental & Vision module – well that’s up to you.  The benefits are very good, but it depends on where you are living and working if a module like this makes sense.

If you are looking and or comparing International medical plans, I will be happy to give you my opinion on some of the different companies you are looking at.

Contact me anytime with questions.

John Conner

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International Medical Program for Africa Oil and Gas Industry

International Health Insurance have been in big demand over the past several years in Africa, in part because of the huge growth in the Oil and Gas along with the mining industries.

North Africa is the continent’s most developed oil region. The majority of Africa’s proven oil reserves and refining capacity are located in North Africa.  Three countries; Egypt, Algeria and Libya, dominate the region’s oil sector.


Africa Oil & Gas:

  • Oil reserves – 132.4 trillion barrels of oil = 8.0% of the world supply.
  • Gas reserves – 513.2Tcf = 7.0% of the world supply.
  • Africa production as a % of global is 10.4%
  • Africa has 32 national oil companies.
  • LNG trains 21 proposed LNG trains over the next decade will make Nigeria and Mozambique the 2nd and 4th largest exporters in the world.

Why International Health Insurance while in Africa.  Contractors, engineers, labor, third country nationals, design and technology professionals in all countries of the African continent, need access to quality health care regardless of your locale. Depending on your location throughout the continent, you may be in areas of little or not medical facilities, maybe out dated equipment or technology.

Either way your international medical policy should pay for your medical care even if you are flown to the nearest locations or country, even if back to your home country.  Make sure your international medical company provides emergency medical evacuation coverage, which pays for air transport in the event of an emergency.  You will fly you to the nearest location which can properly care for your condition.

If you happen to be in an area with medical care and facilities, but have no idea which is the best or maybe westernized, your company should provide you with an app to show you which doctors if any were trained in the west, speak english, where they attended medical school, and which doctors and hospitals surpass western medicine quality control.

Africa Doctor & Hospital Network …

Your policy should have a contracted network of doctors from most every specialty ready to see you in most every country. Only a small fraction of doctors around the world meet GeoBlue’s exacting standards—participation is by invitation only. We seek out professionals certified by the American or Royal Board of Medical Specialties who speak English, and we factor in recommendations by over 158 Physician Advisers from all over the world.

Moble App …

It’s a worldwide, all-access pass to an exclusive level of care. Use your mobile device to quickly and conveniently connect to quality care across the globe for anything from emergency needs, to filling a simple prescription, to translating your symptoms, to finding the right doctor at home or abroad.

No Cost Assistance … I work with nationally recognized insurance companies to give you the quality, affordable insurance you’re looking for. I will never spam you or sell your information. Best of all, my assistance is no cost to you.

Questions or assistance …

John Conner

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GeoBlue Voyager International Medical Insurance

GeoBlue International Travel InsuranceGeoBlue International Health Insurance. Providing global travelers with comprehensive worldwide coverage coupled with access to qualified doctors and hospitals in over 190 countries.

GeoBlue Travel Health Insurance plans for global families, expatriates, independent contractors and international students.  GeoBlue protects you wherever you go worldwide.  Domestic health insurance tends to shrink and often disappear when borders are crossed.


SHORT-TERM … Plans for a few days up to a maximum of 6 months.  Short term plans are guaranteed enrollment regardless of current or previous health status, and are comprehensive major medical plan which include coverage for: hospital, doctor visits, Rx, lab & x-ray, physical therapy, emergency evac, and much more.  Click here.

LONG-TERM … The long-term coverage is for the person needing coverage over 6 months, up to an annual renewable policy.  Like the short term plans these provide very comprehensive benefits and coverage for your worldwide protection. For the global family, expatriate, individual employee etc.  Click here.

The GeoBlue Voyager is considered a short-term plan, offering international medical coverage for a few days up to 6 months.  The Voyager is ideal for business travel, vacations, visiting relatives, students and cruise trips.

Quote options allow you to change deductible options, add or remove Rx coverage, dental coverage and you can add or remove U.S. coverage.

  • GeoBlue Voyager “Short-Term” Quote
  • GeoBlue Xplorer “Long-Term” Quote

Xplorer Benefits:

GeoBlue Xplorer:

The GeoBlue Xplorer is the Long-Term plan which covers you outside and inside the U.S. and is designed to support the international lifestyles of those who travel to or from the United States for extended periods of business, leisure and study.

If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps in most available insurance 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.

  • An insured person must be under age 75.

Pre-existing conditions:  The GeoBlue Xplorer plan does not cover services for treatment of a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during 180 days immediately preceding the member’s eligibility date.

Creditable coverage:  The 180-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.

Licensed & Admitted:  This policy is a U.S. Admitted plan and affords members unique protections not available on most offshore plans.

Trip Coverage Period Start Date:  For a scheduled trip to a foreign country, the insured person’s coverage starts when he/she boards a conveyance at the start of the trip.

Trip coverage period End Date:  coverage ends: (1) for a scheduled trip to a foreign country, when the insured person alights from a conveyance at the completion of the trip; or (2) if the insured person is covered under the Medical Evacuation Benefit, upon the insured person’s evacuation to his/her home area.

Treatment Received from Foreign Country Providers:  Benefits from services and supplies received from foreign country providers are covered.  The insured person may seek the assistance of GeoBlue in locating a provider.

Network of GeoBlue Doctors and Hospitals Worldwide:

GeoBlue has an elite network of doctors from most every specialty ready to see you in over 190 countries. Only a small fraction of doctors around the world meet GeoBlue’s exacting standards—participation is by invitation only. We seek out professionals certified by the American or Royal Board of Medical Specialties who speak English, and we factor in recommendations by over 158 Physician Advisers from all over the world.

GeoBlue Travels with you It’s a worldwide, all-access pass to an exclusive level of care. Use your mobile device to quickly and conveniently connect to quality care across the globe for anything from emergency needs, to filling a simple prescription, to translating your symptoms, to finding the right doctor at home or abroad.

Traveling Far from Home:

You are now halfway around the world, maybe in a part of the world which you are not familiar with how to access health care.  This is why you need a partner to help you along the way if your suddenly encounter a serious illness or accident.

Questions you should ask yourself:
  • How do you access care?
  • Do you go to the public clinic or hospital, or are the private doctors a better choice?
  • How do I find the right doctor?
  • How do I communicate if the Doctor or staff do not speak my language?
  • You are taken to an unfamiliar facility after an auto accident, what now?
  • A terrorist attack, or bombing while sitting in a cafe, what if I’m hurt?
Why Choose GeoBlue:
  • U.S. license and admitted coverage.
  • Cashless access to the best provider networks inside and outside the U.S.
  • Choice of deductible options – waived for office visits.
  • $30 office visit copay – reduced to $10 outside the U.S.
  • 100% coverage for doctor visits, hospital services and X-ray and lab.
  • Pre-existing conditions exclusion waived with prior creditable coverage.
  • No waiting period associated with preventative services.
  • No exclusion for specified conditions in the first 6 months.
  • No pre-certification penalty imposed.
  • Sports and alcohol related injuries covered.
  • GeoBlue has been providing international medical and travel insurance to citizens of all countries since 1993.
  • 24 hour Assistance services ready to assist in locating proper medical care when you are traveling away from home.

geoblue-mobileGreat Technology at your FingertipsGeoBlue Travel Insurance company has some interesting and useful applications you can use on any mobile device.  Quickly and conveniently connect to quality care across the globe for anything from emergency needs, to filling a simple prescription, to translating your symptoms, to finding the right doctor at home or abroad.

With a few simple taps, get detailed profiles of carefully selected primary care physicians and specialists, as well as a broad range of hospitals, pharmacies, even dentists-where you are, when you need it. Review qualifications, make an appointment, and get directions, right from the App or a mobile device.  Plus, proof of coverage is always at your fingertips, ready to show and share with providers. Mobile Assistance is backed 24/7 by our toll-free assistance line.

Call today for more information.

John Conner

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