As an international individual you are working hard to secure the financial future for your family. You should, however, consider how long your present circumstances would be sustainable on death, or in the event of you becoming unable to work due to illness or disability.
We offer a range of high-quality international insurances to provide expatriates and their families with financial protection in the event of the unthinkable. Our service is straightforward, available in English and easy to understand and apply for. We will respond quickly to your needs wherever you are in the world.
Income Replacement
If you suffer an accident or illness that prevents you from being able to work for an extended period of time, you can claim an income benefit that will commence after a deferred period and will continue to be paid until you have recovered and are able to resume work.
If your illness is such that you are never able to return to work, the benefit is payable up to age 65, after which time any pension entitlements you have accrued will become payable.
You are able to insure up to 75% of your gross annual income at the time of your disability. If you are self-employed or a contractor, the income is based on the average of your earnings in the three-year period leading up to the disability.
In the event of a claim, you can choose to have the income benefit increase by 2% each year to keep pace with inflation.
Our examples will give you a general overview of issues to consider and the cost of cover. Is your income adequately protected?
Medical Cover
Becoming ill at any time is a stressful and worrying experience, made even more so when you are living and working overseas. It is therefore very important to have the security of a first-class international health plan that will provide you and your family the very best medical care in the event of illness or injury.
You can insure yourself, spouse and children using specialist international health plans specifically designed for expatriate individuals and their families.
Cover is available wherever you are in the world and the claim service is fast and efficient. Insured adults are issued with a credit-card style membership card that can be carried with you at all times, showing important information such as an SOS telephone number to be used in any emergency.
You can also include optional travel insurance - no more need to take out separate (and often expensive) insurances when you and your family go on holiday.
The comprehensive cover includes features such as emergency evacuation to your home country, routine maternity and dental cover, specialist treatment (chiropractors, osteopaths, acupuncturists), and hospital cash benefits to name but a few.
Our examples will give you a general overview of issues to consider and the cost of cover. Is your family adequately insured? |
