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Expatriate Health Risks

This is vital cover for those who are on foreign assignment and need the proper protection necessary in many foreign territories.
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For people working overseas, there can be many hidden pitfalls related to the cost of health care. Not purchasing the right sort of insurance before leaving home can result in individuals having to pay very costly medical bills out of their own pocket. Expatriates can even face problems when temporarily returning home for a holiday.

To assist with the challenge of selecting the international health coverage that suits your needs, Marsh provides you with access to many of the world’s major international health insurers.

Marsh can insure:

  • Expatriates – Australian employees on assignment outside Australia
  • Non Residents – overseas employees on assignment in Australia

Policies are specifically designed to enable organisations to provide comprehensive international health cover to their expatriate employees and their accompanying families.

Each Policy offers an extensive range of hospital, medical, dental, and ancillary benefits to protect them against the high cost of hospital treatment, doctors, and specialist fees while working overseas.

Also included in the policies are benefits to allow for emergency medical evacuation, repatriation after death, or emergency return home on the death of a close relative.

There are no territorial restrictions whilst operating 24-hour, worldwide cover, as well as global emergency assistance, and flexible options to meet all expenses incurred either through illness or injury. Employees are provided with emergency contact numbers on a wallet card for their convenience.

Over 300 major international corporations use Marsh to provide cover for expatriate employees of all nationalities.

LCPA 24/046.

“Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238983) (“Marsh”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226827) which is a related entity of Marsh. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from JLT Risk Solutions on request. Full information can be found in the JLT Risk Solutions Financial Services Guide.”