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.
AIG Expatriate Care Solutions
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
Products that can be obtained without a physician's prescription
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.
Important information regarding travel to Critical countries
AIG must be notified when travelling to Critical risk areas/countries with two weeks’ notice. Coverage in Critical risk countries must be pre-approved by AIG. Critical risk countries can be found in the Risk Map via the following link: https://crisis24.garda.com/insights-intelligence/intelligence/risk-maps
AIG reserves the right to determine the terms of the acceptance of the risk including but not limited to: Decline the risk, change the scope of cover or apply additional premium.
Travelling to other countries do not require pre-approval except sanctioned countries according to the Terms and Conditions.
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.
