More and more employers are looking to increase their competitiveness and broaden their market opportunities by going global. Employees on temporary or permanent foreign assignments are key assets to an organization. If the individual becomes ill while away, it could negatively affect the assignment, and even terminate it prematurely.
Total Benefit Solutions (TBS) offers global health plans to protect all types of international assignees at every level.
Plans, coverage and service that are truly global
Below is a listing of coverage options available. A custom quote can include any single coverage or a combination of several options. Contact Total Benefit Solutions (TBS) today and we will create you with a custom-quote that best fits your specific international requirements.
Expat/Inpat CoverageOverseas assignment coverage for employers with 2 or more expats: Coverage for employees who are working and residing outside their home country (generally for 6 months or more). |
Local National CoverageUS national coverage with international benefits: Coverage for employees who work in the United States for a foreign-owned company or organization. |
Short Term Traveler CoverageMedical coverage with emergency evacuation for international business travelers: Coverage for international business travelers who routinely travel out of their home country but do not stay out of country for more than 6 months at any given time. |
Individual and Family CoverageNon-business travel and permanent foreign residence options: Coverage for individuals and dependents who live or routinely travel out of their home country. |
TBS plan designs provide truly global solutions
While each coverage option meets a different coverage need, all coverage levels Total Benefit Solutions offers have the following in common:
- Medical assistance, emergency medical evacuation and repatriation
- International concierge-level service
- Global provider network with national US presence
- National and international regulation compliance
Medical assistance, emergency medical evacuation and repatriation
In the event of a medical emergency, the basic challenges of international travel and foreign-assignment should not be compounded. We only offer international health plans that have world-class emergency care and service on an global scale.
Total Benefit Solutions provides international health plan options and custom quotes which include:
- pre- and post-trip planning for international assignments
- coordination of routine and urgent medical care
- emergency medical evacuations & repatriation
- medical record transfers
- medical transportation coordination
- facilitation of hospital payments, hospital deposits and emergency cash advances
- international medical advisory teams
- case monitoring
- preferred access to western medicine clinics
- claim processing in almost any language
- claim reimbursement in over 180 currencies, check (cheque), no-fee electronic funds transfer (EFT) and wire transfers
International Concierge-level Service
Take comfort that assistance – medical or otherwise – is only one phone call away. Customer service representatives speak over 30 languages and assistance is accessible 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
Global provider network with national US presence
All plan designs provide employees and individuals with access to a global network of over 61,000 health care providers and thousands of direct-payment facilities outside of the United States. In the United States, members have access to 900,000 health care professionals with thousands of hospitals and clinics located throughout the country.
Direct-payment arrangements are simplified payment procedures that make care easier by covering any eligible up-front costs associated with treatment or care.
National and international regulation compliance
All health plans Total Benefit Solutions offers meet all applicable local laws and regulations around the world. In fact, certain countries require proof of medical insurance coverage before a visa is issued or entry is allowed.