Expatriate Care

Providing your employees with the confidence to represent you worldwide.

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.  

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.

Thrid Party Liability

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

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. 

 

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.

 

Who is it for?

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.

What is covered?

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
  • Products that can be obtained without a physician's prescription

Benefits for employers and employees

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

Reporting a claim

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

Travel to extreme risk countries – previously referred to as war risk countries

Please check if your destination country has a travel risk rating “extreme” by using the following link: www.travelguard.com/corporate-travel/assistance-services/security-services and select the “Risk Map 2023”, and confirm the rating your target country.

For trips to the countries listed as “extreme”, it is mandatory to confirm insurance protection with AIG prior to the start of the travel. The insurer’s approval to insure a business trip to an extreme risk destination can depend on a limitation of cover or additional premium.

In case an employee is planning to an extreme risk destination, AIG should be notified at least 2 weeks prior to the start of the trip. AIG will ask for additional information, including further details regarding security measures in place for the trip.

This material is for the purposes of information only. Full coverage details will be available in the policy documentation. For additional information please contact us.