Global Health Insurance for Groups
For organisations with staff living and working abroad, comprehensive and cost-effective global health insurance isn’t optional—it’s essential.
At Global Albatross, we understand that a medical policy is only as good as the protection it delivers when it’s needed most. That’s why we work closely with you to identify the benefits that matter most to your team, and build a tailored solution that aligns with your business needs
A Group Policy…
- Covers hospitalisations, private room, surgeries, doctor’s visits, medication, evacuations, return flights, accommodation, costs of accompanying family member
- Covers pre-existing conditions – for groups of 10 or more
- Reduces unexpected medical costs – both urgent and non-urgent
- Reduces downtime of injured/ill staff members with rehabilitative care delivered at their nearest quality facility
- Provides access to professional private medical facilities of choice
- Provides staff ‘peace-of-mind’ when carrying out work assignments
- Helps staff and their families settle into their new environment
- Provides access to medical advice hotlines 24 hours a day
Group Policy Features
Continuation of cover
If an employee leaves the company, most insurers can continue cover for an individual without any further underwriting.
Easy to apply
For larger groups, insurers do not require application forms, ensuring easy accessibility to policies.
Claim refunds
Progress of claims tracked online. Majority of insurance companies offer refunds in any currency.
Membership cards
All members receive a personalised insurance card to present at time of treatment facilitating fast access to quality care.
MHD terms
Medical History Disregarded (MHD) is a valuable option for companies with employees who have pre-existing medical conditions. With MHD, all staff are automatically accepted onto the policy—regardless of their medical history.
This benefit is typically available to groups above a certain size, which varies by insurer. We can help you assess eligibility and find the right provider to support your workforce’s health needs without exclusions.
Plan portability
International health insurance plans cover members and their families—no matter where they live, work, or travel. Coverage continues even during temporary returns home, providing peace of mind across borders.
For those who develop medical conditions while living abroad, this continuity of cover is especially important. It helps ensure ongoing access to care, making it easier to maintain the expatriate lifestyle without interruption or compromise.
Plan design
Group health insurance costs can be managed effectively by tailoring benefits to match what staff are most likely to use—resulting in a streamlined, sustainable policy.
For larger groups, you can also apply different levels of coverage to different employee categories, ensuring the plan aligns with your team structure and budget while still delivering meaningful protection.
Business Continuity
Treatment is arranged at the nearest high-quality expatriate facility, avoiding the high costs of repatriating staff to their home country for care.
By supporting rehabilitative treatment and follow-up care within the country of residence, recovery time is shortened and disruption to business operations is minimised. This approach ensures staff receive ongoing care without unnecessary travel or delays—keeping your team healthy, productive, and in place.
There when you need it most!
Member Services
Accountability. Expertise. Results.
One of Global Albatross’ most valued services is advocacy. With deep industry knowledge and years of experience, we represent your interests—not the insurer’s—to ensure fair underwriting decisions, relevant benefits, and high-quality service throughout the life of your policy.
We hold insurers to account, pushing for clarity, consistency, and the right outcomes—so you’re never left to navigate complex situations alone.
Expert Claims Support
Whether it’s securing a refund for prepaid treatment expenses or coordinating with an insurer during a medical emergency, we ensure every benefit you’re entitled to under your policy is delivered.
We manage claims proactively—maintaining consistent contact with insurers to ensure timely processing. When a claim is delayed or denied unfairly, we step in. Thanks to our deep understanding of policy wording, exclusions, and fine print, we continue to get claims decisions overturned on our clients’ behalf.
Full-Service Policy Management
We handle day-to-day policy administration on your behalf—including adding or removing staff, responding to employee enquiries, assisting with benefit clarifications, treatment pre-authorisations, and managing claims.
At renewal, we benchmark your policy against others in the market to ensure the benefits and premiums remain competitive. Where necessary, we renegotiate terms to better align with your organisation’s evolving needs.
Our 5-Step Process
1. Situation and needs analysis
We ask questions specific to global health insurance for groups. They are quick and easy to answer and help us determine the most suitable cover and benefits required.
2. Compare options
Insurers are identified that are likely to best meet your requirements. Benefit and premium comparisons are provided.
3. Fine tune
Preferred plan options are fine-tuned. Policy benefits and premium are negotiated on your behalf, saving you time and money.
4. Policy selection
Options are discussed and recommendations provided. We help with and manage the application to ensure it progresses as it should.
5. Implementation
The policy is arranged and documentation delivered. We move into managing the policy, answering staff queries, advocating on their behalf with claims and holding insurers to account.