Insuring employees on professional missions

Are you planning to expatriate your employees abroad, or do you already have a team of employees abroad and would like to insure them? Here’s how to choose the right expatriate insurance for your employees:

1. Define specific needs

Before choosing an insurance policy, first identify the specific needs of your employees on assignment. This includes not only coverage of medical expenses, but also additional guarantees such as assistance, repatriation and civil liability.

Medical expenses: Make sure the insurance covers consultations, hospitalization, dental and optical care, as well as medication.
Assistance and repatriation: Check that the insurance includes 24/7 assistance services and repatriation guarantees in the event of a medical emergency or natural disaster.
Third-party liability: Third-party liability coverage is essential to protect your employees in the event of damage caused to third parties.

2. Consider the duration of the mission

Mondassur offers two types of insurance, depending on the duration of the professional assignment. For your employees on short international assignments, temporary cover may be sufficient, whereas for long-term assignments, more comprehensive and continuous insurance is required.

Short assignments: Opt for temporary insurance that provides adequate coverage for the duration of the assignment, usually up to six months.
Long-term assignments: For extended stays, choose a comprehensive insurance policy that covers your employees for the entire duration of their expatriation, including all the necessary guarantees.

3. Compare available warranties

Look for insurance offering extensive medical coverage, including consultations, hospitalization, dental and optical care. You should also make sure that your insurance includes repatriation cover in the event of an emergency.

Consultations and hospitalization: Coverage must include doctor’s visits, specialized treatments and hospital stays.
Dental and optical care: Quality dental and optical care must be included, as these services can be costly abroad.
Assistance and repatriation: Assistance coverage must include medical repatriation and assistance in critical situations, as well as support for the employee’s family members.

4. Check support services

24/7 assistance services are essential for expatriates. They must include multilingual support, help with administrative formalities and support in the event of repatriation.

Multilingual support: Make sure your employees can get help in their native language, whatever the time of day or day.
Administrative formalities: Insurance companies must offer assistance with local and international administrative formalities, making life easier for your employees abroad.
Repatriation: A good insurance policy should include plans for medical repatriation in case of need, guaranteeing rapid and efficient care.

5. Evaluate network costs and quality

Analyze the costs of different insurance plans based on the coverage offered. Compare several health insurance quotes to get the best value for your money. Make sure that the insurance you choose offers access to a high-quality medical network in your destination countries.

Premium costs: Compare insurance premiums based on the benefits offered and the level of coverage.
Value for money: Look for the best value for money by evaluating the services included in each insurance package.
Medical network: Check that your insurance gives you access to a high-quality medical network, with well-equipped and reputable hospitals and clinics in your host country.

6. Taking civil liability into account

In addition to health, civil liability is an important aspect to consider. It covers any damage your employees may cause to third parties while on assignment abroad.

Legal protection: Make sure your policy includes legal protection to defend your employees in the event of a dispute abroad.
Property damage and personal injury: Third-party liability must cover property damage and bodily injury caused to third parties, offering financial security in the event of an incident.

Mondassur can help you choose the ideal expatriate insurance for your employees, with packages tailored to the duration of their assignments. Protect your employees so they can concentrate on their tasks with complete peace of mind.