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27 Cards in this Set
- Front
- Back
The cost of keeping an an employee and their family oversees can run as high as________for an average 3 year assignment
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1.3 million dollars of which 2% is typically Healthcare
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Expatriate (Expat)
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Any employee residing and working outside of their home country
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Third Country National (TCN)
AKA "Non US expat" |
Employee of country A (ex: American) working in country B (ex: Brazil) for a company who is headquartered in country C (ex: France)
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Key Local National (KLN)
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Executive, partner or high level manager working in his/her own country for a foreign company
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Inpatriate (Inpat)
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A non-US Citizen working and residing in the US
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Leaving employees on domestic plan avoids certain laws ie. ERISA, HIPAA, AND COBRA
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False
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Using a foreign insurer enables employer to avoid certain laws ie. ERISA, HIPAA, AND COBRA
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False
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Is a benefit plan maintained outside of the US for 25,000 employees, of which only 1,900 are US residents, subject to US laws?
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Yes
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Is a benefit plan maintained outside the US for 110 participants, of which <50 are US residents and citizens, subject to US laws?
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Yes
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Can brokers be liable for benefit plan designs determinations?
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Yes
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Is a plan, maintained outside the US primarily for persons who are non resident aliens, subject to ERISA?
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No
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HIPAA privacy rules apply to healthplans with >50 employees or administered by third party;
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True
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HIPAA portability rules apply to health plans with >2 employees;
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True
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ERISA applies to Welfare Benefit Plans with >2 employees;
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True
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COBRA continuation requirements apply to Group Health Plans >20 employees;
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True
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Products available through International Benefits
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Medical, Dental, Vision, Life, AD&D, Travel, EAP, Evacuation, and LTD
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Who are the major player is International Benefits?
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CIGNA, Aetna, Allianz, AXA PPP Healthcare & BUPA International
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International SOS
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- Worlds largest medical assistance organization
- Dedicated team of 250 doctors and 500 medical specialists in over 40 locations thoughout the world backed by 1750 proffessionals |
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International SOS Alarm Centers: Crisis Response
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Each Alarm Center's multilingual coordinators, physicians and support personnel assist with everything from pre-travel health recommendations, to the coordination of medical care, to emergency evacuations
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International SOS: International Clinics
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In places where international standards in medical care are not locally available, International SOS owns and operates clinics to give our members international standards of care
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International S0S - Services
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- 24 HR Access to Medical Help
- 24 HR Access to Medical Emergency Travel Related Services - Arrangement of Outpatient and In-Patient Medical Care - Care of Members' Next of Kin - SOS Online Information - 24 HR Access to Security Services |
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Legislative Compliance for Saudi Arabia
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Must use local company
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International SOS
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1. Network (SOSNET)
- 15,000 providers in more than 200 countries - Credentialed network - 300+ site visits per year 2. International name recognition 3. Unparalleled name recognition 4. Medical/Security evacuations - 12,000 in 2000 5. 2,800 employees with 750 medical professionals 6. 24/7 customer service |
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# of International SOS Clinics and # of Remote Site Medical Centers:
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- 21 International clinics
- 150 Remote Site Operations |
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CIGNA International Expatriate Benefits
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- US Federal and state compliant plans
- 24/7/365 access to multilingual customer service - Advanced Technology(ie., integrated processing system, imaging, web) - Experienced, globally focused staff with over 25 year track record **110 of the Fortune 500 use CIGNA |
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Key Advantages of the partnership - CIEB/International SOS
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1. An integrated, physician-managed system for the global delivery of quality healthcare services
2. The two premier organizations providing services to expats 3. Long-term contract 4. Enriched CIEB member website 5. More visible, committed relationship |
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In research commisioned by CIGNA, the 3 top concerns of employees considering an international assignment are:
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1. 76% referenced the adequacy of the total benefits package
2. 64% cited the adequacy of health plan arrangments 3. 61% referenced the quality of healthcare as important |