Protect your employees on short-term contracts abroad.
It’s a specific variety of International Health Insurance designed for employees working abroad on short-term assignments or fixed-term contracts. Companies can select a scheme which covers their employees from between one to 12 months, whereas a regular international policy would be designed for a longer-term trip.
As mentioned, employers can select a choice of term from one to 12 months allowing them to provide medical coverage over a specific period of time. Unlike a standard international health policy, it’s not renewable beyond 12 months should you decide that coverage is required beyond that point. However, if you do require an extension from say, three to six months, then that can be arranged.
The type of treatments offered under Short-Term International Health Insurance are also more limited. This takes into account the fact that most people would head back home should they require more serious, longer-term treatment. While, this means more limited coverage, it also means it comes at a significantly lower price point than standard International Health Insurance.
There are several reasons why businesses should contemplate offering Short-Term International Health Insurance:
These points outline the business angle, but the benefits go deeper than that. An employee working abroad on a short-term assignment and contract will be, most likely, journeying into the unknown. It’s both an exciting opportunity and a potential source of heightened anxiety.
In such circumstances an employer has a duty of care to ensure they get the support they need. An employee’s health and wellbeing should always be the priority. This makes access to healthcare particularly important. If your employee becomes ill or suffers an accident, will they be looked after? Or will they be left to fend for themselves?
It’s important to note that health insurance is only part of the support process. Other elements include pre-assignment screening, cultural training and risk assessments.
If you’re looking for FREE quotes and independent advice on Short-Term International Health Insurance, contact the team at Engage Health Group on +44 (0)1273 974419
Yes, but there are important differences.
1. Coverage limitations: Travel insurance is designed to provide short-term emergency treatment while travelling abroad, alongside other travel benefits such as cancelled flights, lost luggage etc. International Short-Term Medical Insurance (like other dedicated private health insurance schemes) covers emergency AND routine treatment. Plus, if longer-term treatment is needed that can be covered too.
2. Time limitations: Travel insurance generally covers a shorter period. This is often up to three months and may only be applicable for single trips. International Short-Term Health Insurance can go up to 12 months and cover multiple trips.
3. Added extras: International Health Insurance will usually offer additional benefits beyond its core offering, including:
For very short-term trips of one to three months, or for specific single or multi-trip cover, Travel Insurance should be considered, please review our Group Travel Insurance page for further details.
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Less than typical International Health Insurance cover. However, as with any medical, insurance, costs will vary widely. The following factors will affect the premium:
Many of the major health insurance companies provide short-term international cover, including AXA, Allianz Care and Cigna. However, if you require a list of quotes from across the industry, then contact us for a free consultation and we’ll deliver what you need.
Yes, absolutely. In fact, International Short-Term Health Insurance can be accessed for any period between one and 12 months. If you take out a 6-month policy and need to extend, you can only extend it only to the maximum 12-month period. If you’d like to talk to an independent professional, then contact the team at Engage Health Group.
No. While there is some crossover, there are important differences. International Short-Term Medical coverage can provide a far greater range of medical support, while Travel Insurance is somewhat limited in what it can provide form a health standpoint. More information is available in the section further up entitled: ‘Can I get medical cover with travel insurance instead?’.
