bg-global-1800.jpg

Expat/Inpat

    Employers & Groups

    Expat/Inpat Group Medical Insurance Plans

    Our Global Expat/Inpat Medical plans provide medical coverage for employers with two or more employees who are on foreign assignment. Coverage extends internationally when the employees are traveling overseas.

    Unique features of our medical plans include:

    • Eight robust medical plans – each plan provides worldwide medical coverage for employees and their covered dependents
    • Customized contract options depending on where a company is incorporated
    • Plans for US, Canadian and International organizations
    • Employees can be:
      • Expatriate (Expat)
      • Third Country National (TCN)
      • US-bound Expat (Inpat)
      • Canada-bound Expat
    • Providers can be accessed around the world
    • Custom benefit packages for embassies and consulates
    Plans
    Forms
    Overview
    Providers

    Aetna – Protecting employees around the world

    With over 50 years of experience in the international expatriate marketplace, Aetna International Health Insurance has created a global presence that is unprecedented in the industry. Aetna International supports more than 700,000 members around the world who live or travel in more than 200 countries/territories.

    Aetna International offers a comprehensive, flexible portfolio of benefit products, programs and services that are designed to meet the needs of a variety of globally mobile employees — including expatriates, third-country nationals and international business travelers. These benefits including medical, dental, vision, life, disability and emergency assistance help employees and their families to stay healthy so they can successfully complete their assignments.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency

    Ask us about Aetna’s global health insurance products.

    Current members may locate providers by logging into their member account at http://www.aetnainternational.com.

     

    Contact TBS for information on how to access the public provider directory.

    Expat/Inpat Dental Coverage Plan Options

    Bright, healthy smiles are important for the globally mobile workforce. Your employees have the freedom to access high quality dental care from any licensed dentist for preventative, basic and major services.

    Expats and inpats working outside of the U.S. have indemnity dental benefits. While in the U.S., employees will receive cost savings when visiting a participating U.S. provider.

    Orthodontics coverage is also available.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    Aetna – Protecting employees around the world

    With over 50 years of experience in the international expatriate marketplace, Aetna International Health Insurance has created a global presence that is unprecedented in the industry. Aetna International supports more than 700,000 members around the world who live or travel in more than 200 countries/territories.

    Aetna International offers a comprehensive, flexible portfolio of benefit products, programs and services that are designed to meet the needs of a variety of globally mobile employees — including expatriates, third-country nationals and international business travelers. These benefits including medical, dental, vision, life, disability and emergency assistance help employees and their families to stay healthy so they can successfully complete their assignments.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency

    Ask us about Aetna’s global health insurance products.

    Current members may locate providers by logging into their member account at http://www.aetnainternational.com.

    Contact TBS for information on how to access the public provider direct.

    Vision Plans For Expats And Inpat Employees

    Our eyesight coverage travels around the world with your employees. To keep their vision sharp, we offer several global Expat/Inpat vision plans that cover eye exams and include allowances for lenses, frames, contact lenses and other types of eyewear.

    Employees in the US can also take advantage of additional vision discounts on exams, eyewear and even laser eye surgery.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    Vision insurance is available for groups 10+.  Customized summaries are available upon request.

    Please contact us today for more information on our global eye insurance plans.

    Aetna – Protecting employees around the world

    With over 50 years of experience in the international expatriate marketplace, Aetna International Health Insurance has created a global presence that is unprecedented in the industry. Aetna International supports more than 700,000 members around the world who live or travel in more than 200 countries/territories.

    Aetna International offers a comprehensive, flexible portfolio of benefit products, programs and services that are designed to meet the needs of a variety of globally mobile employees — including expatriates, third-country nationals and international business travelers. These benefits including medical, dental, vision, life, disability and emergency assistance help employees and their families to stay healthy so they can successfully complete their assignments.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency

    Ask us about Aetna’s global health insurance products.

    Current members may locate providers by logging into their member account at http://www.aetnainternational.com.

    Contact TBS for information on how to access the public provider directory.

    Disability Coverage in The Event of an Unexpected Accident

    Long-term disabilities are just as disruptive to your business as they are to your employee’s life. Long-term disability options provide employees with a percentage of their monthly salary if they are out of work for an extended period of time due to illness or injury. Plus, they have access to services that will help employees rehabilitate faster so they can return to work sooner.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    Disability is available for groups 10+.  Customized summaries are available upon request.  Please contact us today for more information.

    Long Term Disability (LTD) is not part of the Aetna International Expat Trust product but is available as a separate product for groups with 10 or more employees.

    Aetna – Protecting employees around the world

    With over 50 years of experience in the international expatriate marketplace, Aetna International Health Insurance has created a global presence that is unprecedented in the industry. Aetna International supports more than 700,000 members around the world who live or travel in more than 200 countries/territories.

    Aetna International offers a comprehensive, flexible portfolio of benefit products, programs and services that are designed to meet the needs of a variety of globally mobile employees — including expatriates, third-country nationals and international business travelers. These benefits including medical, dental, vision, life, disability and emergency assistance help employees and their families to stay healthy so they can successfully complete their assignments.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency

    Ask us about Aetna’s global health insurance products.

    The Aetna International Disability products do not have a provider network.
    Life Insurance for Expats/Inpats And Their Families

    The most desirable workers often have many choices when looking for employment. A strong benefits plan that protects them, as well as their families, cannot only help attract them but it can also help retain them. You can give your international employees peace-of-mind, both on and off the job with a term life product that is an affordable addition to a benefit package.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    Life insurance is available for groups 2+.  Customized summaries are available upon request.

    Please contact us today for more information.

    Aetna – Protecting employees around the world

    With over 50 years of experience in the international expatriate marketplace, Aetna International Health Insurance has created a global presence that is unprecedented in the industry. Aetna International supports more than 700,000 members around the world who live or travel in more than 200 countries/territories.

    Aetna International offers a comprehensive, flexible portfolio of benefit products, programs and services that are designed to meet the needs of a variety of globally mobile employees — including expatriates, third-country nationals and international business travelers. These benefits including medical, dental, vision, life, disability and emergency assistance help employees and their families to stay healthy so they can successfully complete their assignments.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency

    Ask us about Aetna’s global health insurance products.

    The Aetna International Life products do not have a provider network.
    Protect Your Employees With Coverage For Unique Situations

    As more and more organizations expand internationally, the threat to employee safety grows greater, particularly in countries of unrest. That’s why many organizations are looking at unique coverage options to protect their employees who may be especially vulnerable.

    Non-Medical, Security Or Political Evacuations

    In the event of an emergency situation when employees are in imminent danger while traveling in a foreign country, employees and their insured dependents will be evacuated immediately to a place of safety.

    Covered reasons for evacuation include:

    • Natural disasters
    • Civil uprisings, military coups, or political unrest
    • Identification as a persona non grata or being expelled from the country you are visiting

    After the danger has cleared, employees and insured dependents will either be returned home or back to the destination from which they were evacuated.

    Coverage includes:

    • Flight arrangements
    • Securing visas
    • Logistical arrangements such as ground transportation and housing
    • Contact with the insured and relaying messages to loved ones

    Kidnap and Ransom

    Kidnap and Ransom Insurance protects against a financial loss caused by a kidnapping or extortion—coverage up to a person’s personal or corporate net worth.

    One of the most attractive elements of Kidnap and Ransom Insurance is the unlimited expenses for the Crisis Response Team, which is highly trained to deal with kidnappings, ransom requests, and extortion plots.


    Flexible, convenient group health coverage for your expat/inpat employees working away from home for 6 months or more

    Total Benefit Solutions builds custom medical (and ancillary) coverage plans that fit Expat/Inpats who will be residing outside of their home country (generally for 6 months or more).

    Insured employees have dedicated service staff available worldwide with multilingual capabilities ready to assist the employee 24/7, 365 days a year.

    Pre-trip planning services assist with individual medical needs before arrival in the destination country. This includes identifying the availability of prescription medications in the destination country and locating regional medical care providers.

    In the event of an emergency, an international medical management team works with the employee and family members to direct care based on regional capabilities and surgical facilities that include direct payment options, claims translation and EFT wire transfer options.

    If an employee needs medical evacuation to a regional Centre of Excellence, an international medical management team coordinates transportation and the patient’s care while en-route.

    International concierge-level service

    Employees can take comfort that assistance – medical or otherwise – is only one phone call away. Customer service representatives speak over 30 languages and they can be reached 24 hours a day, 365 days a year. Personalized service is provided for virtually any situation including:

    • 24/7 access to medical provider referrals
    • Translation services
    • Legal assistance and referrals
    • Assistance with lost or stolen travel documents
    • Embassy and consular referral
    • Passport and Visa information

    Our flexible, convenient plans will make your international employees’ assignments that much more successful.