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Group health insurance, life insurance, and income protection benefits if you have employees living and working overseas.
International employee benefits are perks, compensation, and advantages that employers offer to employees living and working overseas in addition to their regular salary. They can be cash benefits like housing allowances or pension contributions, or they can be non-cash benefits such as parental leave, relocation support, gym memberships, or insurance cover. Employers provide such benefits not only to attract and retain employees, but also to keep them healthy, safe, and productive wherever their work takes them. Employers build their international employee benefits package to suit local labour laws, market norms, and employee expectations.
Provide a benefits package and show your employees that you’re serious about the values and culture of your organisation. Demonstrate your commitment to your employees’ well-being and you’ll foster trust, productivity, and a culture that supports long-term success.
Offering health insurance as an employee benefit gives your employees cover for private medical treatment, including hospital stays, cancer treatment, doctor visits, and preventive health and well-being. Offering critical illness gives your employees a payout if they’re diagnosed with a serious medical condition, which they can put towards private treatment and recovery.
Employees are more likely to join an employer that provides meaningful employee benefits. And those employees will stay with employers that can protect their family’s financial security.
International employee benefits such as insurance mean you don’t need to set up separate benefits in each country or individual benefits for each employee. This can make your employee benefits package more affordable and less administratively burdensome. It also means your employees don’t necessarily need to purchase personal insurance when they’re working overseas.
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Not all countries have public healthcare systems available to non-citizens, and private medical treatment is expensive. Health insurance can give your employees (and their families) cover for medical treatment at private hospitals and clinics.
Hospital treatment Full cover when employees are admitted to hospital for eligible treatment (including doctor fees, surgery, nursing care, theatre charges, and diagnostic tests).
Cancer care Full cover for eligible cancer treatment (including chemotherapy, radiotherapy, immunotherapy, and genome testing of cancer cells).
Emergency medical evacuations We’ll arrange a medical evacuation if an employee requires urgent hospital treatment for a life or limb-threatening condition that isn’t available locally.
Freedom to choose clinics Your employees are free to choose the the doctor, hospital, and clinic for their treatment within their coverage zone.
Life insurance gives your employees and their families financial support should anything happen to them, when living, working and travelling abroad.
Life benefit up to 10x salary We’ll pay 10x an employee’s salary (up to maximum benefit of US$2mn) in a lump sum to their beneficiaries should they die.
Early payout If an employee is diagnosed with a terminal illness with less than 12 months to live, they can receive an early life insurance payout to allocate funds as they choose.
International cover Your employees have international cover, while they’re living and working abroad, while travelling, or on trips home.
Great optional benefits Include insurance cover for adult critical illness, child critical illness, accidental death & permanent disablement, and funeral costs and repatriation.
What happens if illness or injury prevents an employee from working long-term? Social security is lacking in many parts of the world, and many employers don’t want to take on the cost of long-term sick pay.
Monthly income Your employees will receive a replacement income if they’re unable to work because of illness or injury for longer than 3 or 6 months.
Keep pace with inflation We increase replacement income payments by 2% compound year on-year, so your employees don’t lose money in real terms.
Return to work If an employee returns to work in a limited capacity, we’ll cover part of their benefit to offset their reduced salary during their recovery.
International cover Your employees have cover while they’re living and working abroad, while travelling, or on trips home.
Inez Cooper Managing Director at William Russell
We have benefits for companies, institutions, and organisations of all sizes.
We can protect your employees while you’re growing your business internationally. We have useful tools like mixed levels of cover for different categories of employees to help keep your employee benefits affordable.
For established international businesses, we can provide bespoke insurance policies, simplified administration, and high standards of service.
We have looked after staff of non-governmental organisations, intergovernmental organisations, and governmental organisation for more than 30 years.
If you employ staff overseas, international employee benefits can help attract and retain talent, showcase your organisation’s culture and values, and keep your employees healthy.
Group health insurance gives your employees access to high-quality private healthcare, while our group life insurance and income protection give your employees and their families financial security.
It depends on where you employ your staff. In some countries (e.g., the UAE), employers are obliged to provide private health insurance. Benefits such as life insurance and income protection are less likely to be mandatory.
You need at least 3 eligible employees to qualify for a group health insurance, life insurance, or income protection policy.
How underwriting works depends on the insurance product you select and how many employees you want to insure.
For group health insurance with 10+ employees, we can offer Medical History Disregarded. This means employees don’t need to disclose their medical history when you apply, and they’ll enjoy cover for pre-existing medical conditions.
For group health insurance with 9 employees or fewer, we offer Full Medical Underwriting or Moratorium Underwriting. These underwriting options are also available to groups with 10+ employees.
For group life insurance and group income protection, we offer free cover limits. These limits determine the amount of insurance cover to which an employee is entitled before they need some complete a questionnaire about their medical history. The free cover limit depends on the number of employees you want to insure.
The premium you pay for international employee benefits depends on the products you select, the number of employees you want to insure, whether you want to include your employees’ family members in the insurance cover, and the personal circumstances of the employees (e.g., age, location).
International group insurance with William Russell gives your employees cover while living and working abroad, while travelling, and on trips home. For group health insurance, employees have cover only within your chosen coverage zone.
If an employee leaves your company’s employment, we will cancel their insurance cover. We may be able to continue the departing employee’s insurance cover on an individual policy.
Yes, we can include family members as ‘dependants’ of your employees on your group health insurance policy.
William Russell was among the first insurance providers to cover people living and working abroad, and we’ve earned a reputation for outstanding customer experience.
When you purchase policies from William Russell, you can be sure there’ll always be money to pay out claims. The insurer behind our insurance is a company in the Allianz group—one of the largest financial services companies in the world.
We have independently verified reviews from over 1,000 of our members, and we win prestigious awards for our outstanding customer service. When your company joins, you’ll have a dedicated account manager as your main point of contact.
With group health insurance, life insurance, and income protection, we can be your single provider for the insurance products in your employee benefits package.
Request a quote to find out how you can save money when you switch to William Russell.
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