International
Your employees need coverage wherever they work in the world.
Jesse Consulting provides international health and life plans and other protections for employees of U.S. companies living and working around the globe.
What benefits and protections do international employees need?
U.S. insurance companies provide health plans only to employees residing and working in the U.S., these plans cover eligible health expenses whether the employee travels inside the U.S. and for emergencies outside the U.S. Different health plans are available for employees that work full-time in countries outside the U.S.
While many countries offer social or universal healthcare, the available of U.S.-quality healthcare varies from country to country. Your international employees may not receive the care they expect if they rely on their host country’s healthcare system. This is why we recommend you consider enrolling your employees in a comprehensive global health plan.
What is an international employee health plan?
Jesse Consulting provides health plans for international employees that include:What is a Travel Assistance Plan?
Travel assistance plans protect employers and employees in the event of unexpected or undesired circumstances:
What considerations must companies take when doing business in another country?
We refer our clients to our partners who specialize in the legal requirements that vary from country to country, andincludeand not limited to:
Who is an international employee?
Local National Employee
An employee residing and working in their home country. The employer may or may not be in the employee’s home country. An example is a British citizen, living and working in Britain employed by a U.S. company.
The health, life, and disability insurance plans must be compliant with the national (example, Britain) insurance laws. There is usually a requirement that the insurance plans be provided by a locally licensed and admitted insurer.
Inpatriate Employee
An employee residing and working outside their home country and is usually transferred to their company’s headquarters. An example is an Indian citizen working and living in U.S. for a U.S. company. These employees can be covered by a group plan specifically designed for inpatriate employees.
Expatriate Employee
An employee residing and working outside their home country. The employee normally resides in the home country of their employer. For example, a U.S.citizen living and working in Chile for a U.S. company.
A global health plan would be a good choice for Expatriate employees. An international group plan provides each employee with the same standardized benefits from country to country. Administration is very manageable especially when employees transfer from location to location.
Third Country National Employee
An employee residing and working outside their home country. They are usually not a citizen or a resident of the home country of their employer. An example is a Japanese citizen working in Chile for a U.S. company. These employees can be covered under an international plan group with Expatriate employees.
This information is intended as a guide. It is not an exhaustive list, nor is it legal advice.
Photography: Cory Schadt courtesy unsplash.com.