Month: October 2021

A-Z Guide to Expat Medical Evacuation Plan

With the rise of rapid globalisation, we are seeing an increasing number of people being posted in developing countries to help the business expand and succeed. This is an excellent step for companies to take, but the health and wellbeing of your expat staff need to be accounted for. 

 

Part of group medical health insurance is the expat medical evacuation plan. When living abroad, staff are at risk of catching viruses and illnesses that may require urgent medical attention - even evacuation from the country. That’s where the evacuation plan comes in. 

 

Why is an Expat Medical Evacuation Plan Needed?

Many international health insurance plans include a medical evacuation plan so that if your staff have a life-threatening or limb-threatening condition, they will be seen to urgently. This plan is especially useful in remote areas and developing countries where medical access is limited. 

 

When your staff move to another country, it is to ensure that your business grows and operates the way you want it to. Being able to provide them with a medical evacuation plan ensures they have peace of mind and the knowledge that they will receive the best medical care. 

 

The COVID-19 pandemic has only highlighted how important these plans are. They may not be needed for many years, but when something like this hits it impacts everything. Being able to give your staff access to immediate treatment during a pandemic is invaluable. 

 

What Does an Expat Medical Evacuation Plan Include?

Typically, an expat medical evacuation plan will include:

  • Organising the logistics of evacuation, alongside the medical teams on the ground
  • Communicating with our global network of medical teams
  • Dealing with any passport and visa issues
  • Making sure all bills are paid quickly
  • Translating any medical forms or claim forms into your chosen language 
  • 24/7 service to keep you updated and offer assistance 

 

This tends to be what comes with every standard evacuation plan. However, there are extras that you can get that include:

  • Repatriation to your home country
  • The cost of having a loved one with you for support
  • Evacuation for cancer treatment and advanced diagnostic tests

 

Repatriation is an additional benefit that should be seriously considered. This is where your staff member is transported to their home country for treatment, or it can allow them to be transported over the border to another hospital. It’s something many employees would prefer.

 

The expat medical evacuation plan will also cover the costs of ambulance fees, including air ambulances, which can be as much as $220,000 without insurance. Additionally, the cost of treatment and care is also included so that your staff don’t need to worry about the bill. 

 

Usually, there is an option to choose between domestic and international evacuation - the former of which is always included and the latter which can count as repatriation (an extra). Domestic evacuation is where you are transported to a hospital within the same country by road, sea, or air. This can include an air ambulance or a private plane, depending on location.  

 

To Conclude 

Your staff are the core of your company, and if they don’t feel safe and cared for they are likely to go somewhere that gives them the security they need. An expat medical evacuation plan means that they will always get the treatment they require, and considering the COVID-19 pandemic, these plans are more important than ever. 

 

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Life Insurance For Adult Children – How To Get The Best Rate


Once your children are grown, you may not see the need to carry life insurance any more. However, you might want to continue carrying life insurance for your adult children in order to provide them with the financial security they would otherwise not be able to afford.

While life insurance should be part of everyone?s life, young adults may not be able to find room their budget for it. You can help them out by paying the insurance premium on an affordable policy until they are able to pay for it themselves.

Protecting Your Adult Children

The process for buying life insurance for your adult children is much the same as buying life insurance for yourself. As the policyholder, you choose the amount of insurance you want to buy, you pay the premiums, and you decide who the beneficiaries will be. However, your adult children need to give their consent for you to take out the policy.

How much insurance do your adult children need? This will depend on how many dependents they have and whether or not they are in debt. Many experts suggest an amount that is eight times their annual income, which should provide for living expenses for 20 years.

Finding an Affordable Policy

The Internet is an excellent source for finding an affordable life insurance policy that will protect your adult children and their families. By going to an insurance comparison website on the Internet, you will be able to quickly and easily obtain insurance quotes from several A-rated insurance companies.

Of course, you will need to complete a form with information about the insured, such as their medical history, jobs, and habits. You will probably want to work with your adult child to complete the form so it will be accurate.

On the best insurance comparison websites, you can also get answers to your life insurance questions by talking with insurance professionals by phone, or through their online chat service (see link below).

Where to Get the Best Rates

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