International Health Insurance for Companies
Portable, compliant medical coverage for globally distributed employees—one policy, consistent benefits, localized support.
Key Facts
International Health Insurance for multinational companies at a glance
Annual medical limits commonly €500,000. No overall limit.
Group eligibility often starts at 3–5 employees (varies by insurer).
Employer-paid or contributory billing; monthly or annual payment cycles.
Guarantee of Payment (GOP) enables direct billing for eligible care; cashless for planned admissions.
Implementation timeline: usually 5–10 business days from accepted quote to member certificates.
Smarter Insurance for Multinational Teams — Free Consult
For distributed employees, we structure coverage consistently across countries, explain plan design choices in plain language, and coordinate next steps after a focused consultation. Expect a tailored proposal within 24 hours and ongoing support as your headcount and locations change.
Who is it for/not for?
Not for:
- Very short project placements where temporary local solutions suffice.
- Employers whose workforce is fully eligible and satisfied with a single national plan.
- Teams requiring coverage for excluded activities or sanctioned regions without riders.
For:
- Companies with staff in 2+ countries needing consistent medical cover.
- Remote-first and distributed teams hiring across regions without a single local plan.
- Employers wanting centralized administration and a single support channel.
Benefits & Limitations
Benefits:
- Unified benefits across countries; tiers that can include outpatient, prescriptions, and mental health.
- GOP for planned care so providers bill the insurer directly for eligible treatment.
- Telemedicine 24/7, second opinions, and assistance hotlines.
- Employer controls: enrollment changes, eligibility classes, and consolidated invoicing.
- Dependents can be included; maternity and dental/vision available on select tiers.
Limitations:
- Pre-existing conditions may be excluded, subject to moratorium, or included with premium loading and terms after underwriting.
- USA-inclusive regions carry higher premiums and specific rules.
- Mental health benefits may have annual session caps.
- Certain high-risk roles or activities may require riders or be excluded.
- Local statutory requirements in some countries may still require separate enrollment.
How it works
1
Start with a quick consult or instant quote
2
Get tailored plan options
3
Enroll with guided paperwork
4
Lean on ongoing expert support
Make the Right Choice with Beakon Global
Choosing the right international health insurance can feel overwhelming - but you don’t have to do it alone. At Beakon Global, our experts cut through the complexity, guiding you to the best plan for your needs, budget, and lifestyle.
Meet the Experts Behind Beakon Global
Stephan & Louis, co-founders of Beakon Global, are trusted leaders in International Private Medical Insurance (IPMI).
- With a track record of growing a major IPMI provider, they bring unmatched expertise to the industry.
- Specialists in broker networks & insurance distribution, they’re known for their client-focused approach.
- At Beakon Global, they’re redefining expat health insurance - prioritizing excellence, security & well-being worldwide.
Pricing & Drivers
From €85–€190 per employee/month for a healthy risk profile on Worldwide (excl. USA) with a €500–€1,000 deductible, assuming ≥5 employees. Pricing varies by average age, region mix (incl./excl. USA), plan tier (inpatient vs. comprehensive), deductible/co-insurance, and dependent coverage.
Example:
A 12-person team across Portugal, Poland, and Singapore selects comprehensive Worldwide (excl. USA) with a €1,000 deductible at ~€128 PEPM; adding two employees who frequently travel to the USA and upgrading them to USA-inclusive raises their individual PEPM.
Common Questions (FAQ)
Core inpatient care worldwide. Comprehensive tiers add outpatient visits, diagnostics, prescriptions, and often mental health—each with stated limits and deductibles.
Insurers may apply exclusions, a moratorium, or accept conditions with a premium loading and specific limits after underwriting of the census.
Request a Guarantee of Payment (GOP). The insurer sends written confirmation to the provider before treatment, so eligible charges are billed directly to the insurer.
Yes. Many policies support eligibility classes (e.g., executives vs. standard) with different deductibles or add-ons, subject to insurer rules.
Typically yes—spouses/partners and children can be added, with newborn enrollment windows specified in the policy.
Coverage follows the employee within the selected region(s). Administrative updates are handled by HR via the policy portal; some changes may apply at renewal.
Employees upload itemized invoices, medical reports, and receipts. Reimbursement timelines depend on completeness and banking country.
International health insurance is a private policy. Some countries still require statutory enrollment; use the IPMI plan to complement public schemes.
Many comprehensive tiers include therapy sessions and tele-psych services, with annual caps and referral rules.
Employers receive consolidated invoices (monthly/annual). Contributions can be employer-paid or shared with employees, per company policy.
Examples & Scenarios
- EU + APAC rollout: A 25-person team across Germany, Spain, and Indonesia implements comprehensive Worldwide (excl. USA) with €1,500,000 limit and €1,000 deductible; onboarding completes in 7 business days.
- Condition accepted with loading: An engineer’s controlled Crohn’s disease is included with premium loading and a condition-specific cap disclosed in the certificate.
- Planned procedure with GOP: A designer schedules surgery in Warsaw; insurer issues a GOP 24 hours prior. The clinic bills the insurer directly for eligible costs.