1. International Insurance Solutions
Prepared for
The Forum for Expat Management DFW Chapter

2. Agenda About ITG Worldwide Products Advantages of a Broker
Short-Term Travel
Foreign National/U.S. Inpats
Long Term U.S. Expats
High Risk Coverage
Contact Information

3. About Us
Over 25 years experience in the international health insurance market
Well-established relationships with all major international insurance carriers
Extensive product knowledge with solutions to fit a wide range of client needs
Dedicated Policyholder Services Manager

4. Products International health insurance for individuals and groups
Travel medical and trip cancellation insurance
Medical and political evacuation insurance
War Zones – Defense Base Act, High Risk, Kidnap & Ransom
Life, AD&D and LTD
Custom designed programs including self insured

5. Advantages of a Broker
Broker has freedom to choose best fit for client from an array of carriers and products – not limited to one carrier’s product line
Employers can leverage broker relationships with carriers
Broker’s loyalty is to the client not the carrier
Dedicated policy services and support to employer and employees 5

6. Short-Term Travel
Defined as six months or less (cumulative or consecutive)
After six months the domestic health insurance residency clause goes into effect; employee considered uninsured and claims will automatically be denied (residency clause may be omitted from some self-insured plans)
Things to consider:
Does the employee have a pre-existing or current condition?
Will they need sojourn or dependent coverage?
Do they require additional AD&D coverage?
Does their domestic life policy follow them outside the U.S.?
Do they need war and/or terrorism coverage?

7. Foreign Nationals – U.S. Inpats
Do you provide coverage for short-term inpats?
If yes, what benefits are covered and how does the plan work?
Direct pay or expense reimbursement basis?
How are large claims or hospitalizations handled?
Are pre-existing conditions covered?
Are family members covered if traveling with employee?
Are there benefits for medical evacuation to home country, bedside visit or repatriation of remains?

8. Foreign Nationals – U.S. Inpats
If no, does home country health plan cover them in the U.S.?
Consequences:
Risks of inadequate coverage or no coverage
No doctor referral sources
No PPO discounts
Inconvenient for employee -- paying costs upfront may be difficult
Hidden soft costs -- employees may go home for treatment rather than completing their assignment
May not have repatriation of remains, bedside visit or medical evacuation

9. Long-Term U.S. Expats Defined as six months or more
Again, residency clause goes into effect once they are outside the country 180 days or more cumulative or consecutive and may be omitted from self insured plans.
Things to consider:
Does the employee have a pre-existing or current condition?
Do they require additional Life, AD&D or LTD coverage?
Short Term Disability is not available with international plans
U.S. benefits with HIPAA compliant carrier
Repatriation of Remains
Employee on assignment/family coverage

10. High Risk Coverage When is high risk coverage necessary?
Where is high risk coverage necessary?
All of Latin and South America (specifically Mexico, Colombia, Venezuela & Panama).
In Africa the big countries are: Nigeria, Kenya, Somalia, Sudan and Chad 
In Middle East:  All of the countries except UAE
Far East:  Indonesia & Philippines
Types of coverage:
War and Terrorism Coverage
Kidnap & Ransom Insurance

11. companies solve the complex challenges of global business
Worldwide helping
companies solve the complex challenges of global business

12. Contact Information
William Cole Vice President San Diego Office Mobile Fax
Kristin Ash
Sales Director
Dallas Office
Mobile
Fax
Tami Pettitt
Policy Services Manager
Novato Office
Toll-Free
Fax
Vicki Sutton-Beattie
Sales and Marketing Coordinator
Novato Office
Toll-Free
Fax 12