Business

International business health plans for 1 to 49 employees

Choosing the right cover for your business

Your plan, built for your business

Our business health insurance plans give your employees fast access to medical care whenever they need it, wherever they happen to be.

Here are some highlights of the cover you’ll find on all our plans. 

For a full description, have a look at our summary of benefits.

What's included across all levels of cover:

  • Hospital charges as an in-patient or as a day‐patient.
  • Surgery.
  • Second opinion service – valuable reassurance if you’re just not sure.
  • Emergency evacuation and repatriation – to get your people to the care they need and home again.
  • Emergency in‐patient and day‐patient cover everywhere – even if you’ve chosen cover that doesn’t include the USA.
  • A wide range of cancer treatment, including experimental drugs.
  • Ambulance transport – because this can cost more than you think.
  • Parental accommodation – if your employee’s child needs treatment, parents can stay nearby.
  • Dental care, such as fillings and accidental damage to teeth (routine checkups not included).
  • Medical conditions that start during pregnancy.

 

  Standard Comprehensive Prestige Prestige Plus
Hospital charges and surgery
Second opinion service
Emergency cover, evacuation and repatriation
Wide range of cancer treatment
Ambulance transport
CT, PET and MRI scans
Dental care (not checkups)
Out-patient treatment, tests and vaccinations Optional
Extended option available
Out-patient drugs and dressings
Extended option available
Chronic conditions
Eye tests and prescription glasses
Routine pregnancy cover Optional
Annual health checks
Travel insurance Optional Optional
Routine dental checkups Optional Optional
Overall annual plan limit £1,000,000/
€1,275,000/
$1,600,000
£1,500,000/
€1,900,000/
$2,400,000
£2,000,000/
€2,550,000/
$3,200,000
£5,000,000/
€6,375,000/
$8,000,000

What's not included:

As with most health insurance, there are some exclusions and limits, no matter which cover level you choose for your employees: 

  • Depending on the underwriting you choose, our plans may only cover the treatment of medical conditions that start after your employees join. That means for fully medically underwritten plans, their plan will not cover pre‐existing conditions. 
  • The plans only cover charges for treatment that are reasonable and customary in the country where your employees have the treatment. 

The plans also don’t cover:

  • Planned treatment outside your employees area of cover or against medical advice. 
  • Treatment for injuries as a result of sports that your employees receive money for taking part in. 
  • Costs for arranging treatment, such as phone calls and travel.
  • Treatment designed to prevent illness rather than treat it.

 

Like the sound of our global health benefits package?

Ask your employee benefits consultant, or contact us directly on +44 (0)1892 596422. Our team will be happy to talk about next steps. Lines are open Monday to Friday, 8am-5pm GMT (UK time).

Calls may be recorded and/or monitored for quality assurance, training and as a record of the conversation.

Upgrades for your cover level

Upgrades for standard cover level

  • Out-patient treatment
    Add cover for routine out-patient treatment, such as specialist visits or extra tests
  • Travel insurance
    Providing all the cover you’d expect, like cancellation or lost luggage.

Upgrades for comprehensive cover level

  • Travel insurance
    Providing all the cover you’d expect, like cancellation or lost luggage.
  • Routine dental care*
    Cover for routine dental checkups and care.
  • Routine maternity cover*
    Help with the cost of checkups before and after birth, and the birth itself
  • Extended out-patient treatment*
    Extra cover for routine out-patient treatment, including more cover for drugs and dressings.

Upgrades for Prestige cover level

  • Routine dental care 
    Cover for routine dental checkups and care.

Upgrades for Prestige Plus cover level

No need to upgrade – all the options are included

*For Comprehensive cover, you can choose to add travel insurance, plus one other upgrade from routine dental checkups, routine pregnancy cover or extended outpatient cover.