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Groups and Corporations

Vital medical expenses protection for your employees

Successful employers recognise the importance of their employees.

As an employer, wherever your Company may be based or whatever business your Company may be in, your employees are your Company's most valuable asset. They are also your most vulnerable resource.

Protecting the health of your employee's makes good commercial and economic sense. It can even be regarded as part of good business practice to do so. Your employee's health problems can seriously affect your company's business performance and even its financial standing.

Being an employer, it is important you limit any possible disruption if a key employee or project team leader becomes ill. It is also important to make sure that the employees concerned and their families have peace of mind. These considerations are vital for those of your employees, based overseas. Quick, easy and reliable access to professional healthcare and to the best medical treatment available is essential.

A personal service your employees and their dependants can rely on

An InterGlobal Corporate HealthCare Plan will allow your employees personal access to the International Helpline, 24 hours a day, 365 days a year. Help and assistance is only a phone call away. As well as providing help and assistance in emergencies, pre-authorising claims and settling in-patient and daycare claims direct; the International Helpline will provide your employees with the following:

Advice and support 24 hours a day

Details, including names and addresses, phone and fax numbers of suitable hospitals, clinics, doctors, and dentists. Also, where and when they receive consultations, minor treatments, inoculations or vaccinations.

Advice and help to find any special drugs, blood, blood products or medicines that may be needed, if these are not available locally or if local restrictions apply to them.

A 24-hour emergency relay service, to pass on messages to relatives or business associates, if medical or travel problems disrupt any of their travel arrangements.

A supervised home transport service for any dependent child, or children, who could be left unaccompanied due to an employee suddenly having to be hospitalised.

An English translation service.

A personal service your employees and their dependants can rely on.

Your plan gives you access to an International Helpline, 24 hours a day, 365 days a year, so that help and assistance is only a phone call away. The International Helpline will provide you with advice, help and assistance in emergencies. They will pre-authorise your in-patient and daycare treatment claims and settle them direct with the treatment providers.

The International Helpline is staffed by a trained and experienced team of multi-lingual, co-ordinators with around the clock access to a panel of duty doctors and nurses. The International Helpline staff have a direct access to a worldwide network of regionally-based medical assistance providers who have a wide range of local knowledge, with on-the-spot experience and who speak the local language. This combination of personal service and dedicated help is at your disposal and for your benefit through your InterGlobal Plan.

Medical and emergency services

Should emergency evacuation be medically necessary, the International Helpline has established, formal links with airlines and air ambulance operators all over the World. All of these air ambulance operators have advanced medical equipment on board. The ambulance staff and doctors are experienced in general medicine with considerable expertise in aero-medical evacuation and repatriation. An extensive range of medical equipment is always on hand which is used by experienced medical escorts on air ambulances as well as doctors and nurses escorting patients on scheduled flights.

Claims guarantee

We guarantee to settle all eligible out-patient treatment claims as soon as possible. We will raise payment in settlement for dispatch within twenty-one (21), working days of receiving all the paperwork and information we need relating to an eligible claim. If we do not do so within this time, we will pay a delay penalty at the rate of £10/$15/€16 per working day of delay, until settlement is raised. (Total penalty payment not exceeding £50/$75/€80 per claimant.)

Choices of geographic cover

Under a Corporate HealthCare Plan you have a choice of the following.

Area 1: Europe, not including the Commonwealth of Independent States.

Area 2: Worldwide, not including the USA and Canada.

Area 3: Worldwide.

InterGlobal Corporate HealthCare Plans

Our Corporate HealthCare Plans offer direct access to quality healthcare for your employees at international level and provides your company with true value for money.

We can establish a Corporate HealthCare Plan to cover your directors, managers, employees as well as their respective dependants. Whether you decide to cover them all, or only a group of individuals - the choice is yours. You can start with as few as three employees.

Your Corporate HealthCare Plan can be tailored, within certain guidelines, to suit your specific corporate needs and requirements.

Preferential premium rates.

Plans can be transferred over from other insurers on a simple, uncomplicated basis.

No medical questionnaires to be completed.

Chronic medical conditions can be covered.

Plans can be set up with or without a moratorium on pre-existing medical conditions.

Choice of excess (deductible) levels, down to zero.

Plans denominated in three currencies: GB pounds, US dollars and Euros.

No medical claim forms to contend with if your employees require in-patient or daycare treatment. A phone call to the International Helpline takes care of everything.

In-patient and daycare treatment claims are pre-authorised and bills settled direct with hospitals and clinics.

We guarantee to raise payment in settlement for dispatch to your employees of eligible out-patient medical and dental treatment claims within a maximum of 21 UK working days. If we don't, we pay your employees compensation of £10/$15/€16 per day of delay, up to a maximum of £50/$75/€80 per claimant.

Claims settlement in most currencies.

Emergency medical evacuation includes the costs of evacuating dependants (or a close business colleague) to accompany the person being evacuated.

Emergency medical treatment cover can be included for outside of geographic area.

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