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There are good reasons to consider Expatriate Care insurance from AIG

Your company’s employees, protected

In a global environment, companies often send their employees across the world in order to improve its performance and stay competitive. We can help you protect them, your most valuable assets.  

Medical Expenses

Your employees are covered for a wide range of medical expenses like hospitalisation & outpatient surgery, hospital cash benefits, outpatient care, local ambulance, private nursing, maternity & childbirth, cancer care, organ transplants.

Support when it’s needed most

Whether its legal advice or assistance – or emergency evacuation from the country due to a political crisis - Expatriate Care has your employees’ backs.  

Our comprehensive cover and benefits

We offer a flexible and cost-effective program providing a wide range of benefits and services. Group Plus Expatriate Care gives expatriate employees the comfort of knowing that their personal and family’s healthcare is well covered.

Additional assistance services

Our clients can also access medical advice over the phone, second opinion benefits (a review of your medical file by 2 independent specialists), guides to their countries of destination, and 24 hour worldwide emergency assistance.

Third Party Liability

Expatriate Care also insures your expatriate employees against liability for damages caused during their day-to-day life.

Expatriate Care is suitable for a whole range of companies and organizations with headquarters in the European Economic Area that employ expatriate employees all over the world. The age limit for enrollment is 65, but an insured person can continue to enjoy the benefits up to the age of 75. The cover may also apply to dependents or children under the age of 18 or younger than 23 if they are still studying full-time and if they live with the insured person in the host country.

Basic cover

  • Medical expenses
  • Medical assistance
  • Political evacuation
  • Third party liability
  • Legal assistance
  • Assistance

Optional

  • Dental and vision care
  • Personal accidents
  • Personal property
  • Travel insurance

Main Exclusions

  • Intoxication
  • Nutritional and dietary supplements
  • Cosmetic surgery
  • Outpatient treatment of sleep disorders
  • Treatment of weight loss or weight problems
  • Products that can be obtained without a physician's prescription
  • Fertility treatment

Advantages for employers

  • The insurance helps employers demonstrate their commitment and duty of care towards employees and provide stronger benefit packages needed to attract and retain talented employees
  • The insurance allows hassle-free enrolment of expatriated employees and their families at any time
  • Within the policy, there are flexible solutions so that employers can make a choice between multiple levels of basic insurance and various exemptions in the Expat Care 100 plan and go for additional guarantees at a reasonable price
  • The insurance delivers the highest level of service to the employees so that employers can be assured that their people are well taken care of
  • The insurance provides the HR department of employers with 24/ hours a day online access to policy information and the possibility to update the data of employees

Advantages for expatriated employees

  • The insurance provides a comprehensive coverage for expatriated employees and their families, including medical expenses, political evacuation, civil liability and legal assistance
  • Expatriated employees have access to telephone assistance 24 hours a day 365 days a year via our Contact Center and website. Here employees can access information about their policy, claims handling and medical network guidance and receive general customer service support

If you need assistance or want to report a claim please contact our Expatriate Care Service online or call + 32 2 739 99 11.

We have updated our list of war risk countries. Countries on the updated list are: Afghanistan, Central African Republic, Iraq, Libya, Pakistan, Somalia, South Sudan, Syria and Yemen.

Please note that for existing policies, the war risk countries will remain the same as defined in the contract until the end of the ongoing policy period and the new war risk countries will only be applicable after the next policy period starts. In other cases, the updated list is valid from March 15 onwards.

This material is for the purposes of information only. Full coverage details will be available in the policy documentation.


Contact us

For additional information please contact us.