Global Health Insurance for Groups
At Global Albatross we understand a medical policy is only as good as the benefits that it offers when staff need it.
A comprehensive and cost-effective health insurance policy is crucial for staff living and working overseas, so we work closely with you to find out which benefits are deemed important and develop a solution that meets your business needs.
A Group Medical Policy Will…
- Cover hospitalisations, private room, surgeries, doctor’s visits, medication, evacuations, return flights, accommodation, costs of an accompanying family member
- Cover pre-existing conditions – for groups of 10 members or more
- Reduce unexpected medical costs – both emergency and non-urgent
- Reduce downtime of injured/ill staff members with rehabilitative care being received at their nearest quality facility
- Provide access to professional private medical facilities of choice
- Provide staff ‘peace-of-mind’ when carrying out work assignments
- Help staff and their families settle in their new environment
- Provide 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.
Progress of claims tracked online. Majority of insurance companies offer refunds in any currency.
All members receive a personalised insurance card to present at time of treatment facilitating fast access to quality care.
Medical History Disregarded is highly beneficial for companies with staff who have pre-existing medical conditions as all staff are automatically accepted onto a plan. This is offered to companies above a specific group number, the number varying between insurers.
Plans cover members and their families no matter where they reside or travel. Cover continues if members return home temporarily. Plans help prolong the expatriate experience particularly for members that develop medical conditions.
Policy costs are contained by selecting benefits that staff are more likely to use, allowing a streamlined cost-sustainable policy. Varying levels of cover can also apply to different categories of employees.
Treatment is facilitated at the nearest quality expatriate facility, saving costs in returning staff to a home country. Rehabilitative care reduces downtime of ill/injured staff. Follow-up care is arranged in the country of residence rather than limiting after-care to a home country.
One of Global Albatross’ best service features is advocacy. Extensive industry knowledge and experience ensures solid advocacy on the company’s behalf to facilitate delivery of quality underwriting decisions, relevant policy benefits and the level of customer service from the insurer. We hold insurers to account over the life of the policy, ensuring quality decisions and outcomes throughout.
Whether it be managing the refund of prepaid treatment expenses or liaising with the insurer during a medical emergency, we make certain all entitlements available under the policy are delivered. Timely processing of claims is managed through consistently liaising with the insurer. We continue to turn claims decisions around through applying our intricate knowledge of policies, their inner workings and the fine print.
Amendments to the policy, such as staff additions or deletions are managed on behalf of the company along with staff enquiries regarding policy benefits, treatment pre-authorisations and claims. At renewal, the policy is bench-marked against others in the market to determine if the benefits and premiums remain competitive, and terms renegotiated where required.
Our 5-Step Process
1. Situation and needs analysis
We ask questions that are quick and easy to answer and help us determine the type of cover you need.
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.
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.