Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
The Global Employer's Option - GEO Group
Worldwide employer-sponsored group health insurance
The Global Employer’s Option℠ (GEO) is a worldwide benefits program designed for groups of two or more internationally assigned employees.
In response to our global clients’ evolving needs, we have designed GEOSM Group, which offers a base plan and an alternative plan, plus additional coverage options. This customizable benefits package is specially designed for multinational employers seeking Global Peace of Mind® as their employees embark on their travels.
Highlights
- Employer-sponsored group health insurance for internationally assigned employees
- Dental, disability and life insurance available
- Full group takeover and replacement provision
- Qualifies as Minimum Essential Coverage (MEC)
- Universal Rx pharmacy discount savings
- Optional telemedicine benefits for physical and mental health
Made for...
- Employers / Business Travelers
- Expats / Global Citizens
Coverage Information
Term Life and Accidental Death and Dismemberment Insurance
- Available up to $250,000 per employee
- 10 or fewer IMG insured employees:
- $10,000 minimum required
- 11 or more IMG insured employees:
- No minimum required
- Group Life coverage automatically offers:
- Term Life Insurance Benefit
- Accidental Death Benefit
- Dismemberment Benefit
- Guarantee Issue amounts up to $100,000
- Additional underwriting for $100,001 - $250,000
- Group Life can be issued as a flat amount
(e.g. $50,000) or multiple of salary (e.g. 2 x salary) - ADEA Reduction Schedule (Age Discrimination in Employment Act of 1967)
- Less than age 65: 100% of principal amount
- Ages 65-69: 35% reduction
- Ages 70-74: 55% reduction
- Ages 75-79: 70% reduction
- Age 80+: 80% reduction
Daily Indemnity Insurance
- Benefit offers $100 for every overnight of eligible inpatient hospitalization
- Cash benefit payable directly to the insured
- $25,000 lifetime maximum benefit
- Group Life Insurance required
Extensive Network Access
UnitedHealthcare provides travelers in the U.S. with direct access to one of the largest networks of providers in the U.S. that includes:
- Over 1.4M physicians
- 6,797 hospitals
- Over 45,000 clinics
- A streamlined claims process
- 1,800 convenience clinics
International Provider AccessSM
Travelers outside of the US can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes:
- Over 18,550 physicians and facilities
- Direct billing arrangements that minimize time and upfront expense
GEO Platinum USA Benefits Rider
This rider is available to U.S.-based employers that wish to provide enhanced benefits more in line with U.S.-style healthcare plans. The rider adds the following benefits:
- Unlimited lifetime maximum
- 100% coverage for eligible preventive services
- Extends dependent coverage up to age 26 provided dependent is not eligible under any other health care plan and a full-time student
- Waives pre-existing condition limitations on children under the age of 19
Emergency Travel Assistance
Even the smallest disruption can be an emergency when your group members are abroad. We offer a complete array of emergency travel assistance services so they can spend more time enjoying their international experience and spend less time worrying about the smaller issues. Some services provided include:
- Emergency travel arrangements
- Lost passport/travel documents assistance
- Lost luggage assistance
- Embassy or consulate referrals
- Emergency message relay
- Emergency prescription replacement
- Medical referrals
- 24-hour medical monitoring
- Emergency cash transfer and emergency translations
- Legal referrals
Optional Group Dental
| Benefits | Option 1 Dental Plan Pays | Option 2 Dental Plan Pays | Option 3 Dental Plan Pays |
|---|---|---|---|
| Class 1 Benefits | |||
| Diagnostic & Preventative Services | 100% | 100% | 100% |
| Class 2 Benefits | |||
| X-rays | 80% | 80% | 80% |
| Oral Surgery | 80% | 80% | 80% |
| Endodontics | 80% | 80% | 80% |
| Periodontics | 80% | 80% | 80% |
| Minor Restorative Services | 80% | 80% | 80% |
| Class 3 Benefits | |||
| Prosthodontics | 50% | 50% | 50% |
| Major Restorative Services | 50% | 50% | 50% |
| Classes 1, 2, 3: Maximum Benefit Per Person Per Calendar Year | $1,000 | $1,000 | $1,500 |
| Class 1 Deductible | $0 | $0 | $0 |
| Class 2, 3, 4 Deductible | $50 | $50 | $50 |
| Maximum Deductibles Per Family | Up to 3 | Up to 3 | Up to 3 |
| Class 4 Benefits | |||
| Orthodontia (to age 19) | Not covered | 50% | 50% |
| Maximum Benefit Per Person Per Lifetime | Not covered | $1,000 | $1,500 |