Ask Doug About Employer Group Insurance

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International Group Health Insurance protects employees working and living overseas on a full time basis. These plans are robust with many including options such as maternity benefits, pre-existing condition coverage, and even emergency evacuation benefits. Each employer group health insurance plan is different, and it’s important to work hand in hand with your broker to find the best plan, and the best rate, for your entire group. To get started, simply fill out the quote request form below and one of our expert employer group insurance agents will follow up with details for your free custom quote.

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We understand international group health insurance can be complicated, so we’ve put together the best resources to answer all of your questions and help you make the best decisions for your employer group health insurance. Click each topic below to learn more about the options, strategies, and process to protect your group with the right international health insurance plan.

Enrollment procedures for group insurance

Some companies want an enrollment form from every employee signed by both husband and wife. Often they will ask for extra medical records on certain individuals. When your employees are spread all over the globe, it becomes a challenge to get the enrollment forms and medical information turned in. Companies usually provide a 30- or 60-day window in which all enrollment forms must be submitted. The final rates for the group health insurance won’t be determined until the underwriters have been able to evaluate the medical risk of every enrollee. Once in a while insurance companies will increase the rates for the whole group if they have discovered some unforeseen risk. And we have had experiences where an insurance company has declined coverage due to unforeseen risk.

There are other companies that only request a spreadsheet which can be filled out in the organization?s home-base office, and they don’t require signatures from any of the employees.

Once the group health insurance is in place, it is very easy to administer, and all new employees are automatically covered without going through underwriting.