The expatriate Health Insurance. Your guarantee of the best possible care anywhere in the world

Transcription

1 The expatriate Health Insurance Your guarantee of the best possible care anywhere in the world

2 Reimbursement of medical expences throughout the world

3 Your employees guarantee of the best possible care anywhere in the world As an employer you are bound to feel responsible for your employees health and wellbeing. When they are seconded abroad, you want their medical expenses to be insured just as effectively as possible. You want everything to be done to ensure that they receive the right care, that their recovery is accelerated as necessary and, of course, that the expenses are paid. That is why our involvement goes beyond simply providing group insurance with worldwide cover. Achmea is an insurer that knows what doing business means, has specialist knowledge of care when abroad, is an expert in the field of health insurance and has an excellent administrative organisation. Via Eurocross Assistance, our sister organisation with a worldwide network of specially selected medical institutions, we can guarantee your employees with the very best care, anywhere in the world. Health insurance for expats We have developed a health insurance policy especially for employers of expats. This policy is known as expatriate Health Insurance, or simply XHI. What is unique about XHI is that it is comparable to the basic insurance available in the Netherlands. This means your employees and their family members abroad are insured just as effectively as in the Netherlands. When your employees wish to have more extensive cover, this is possible in the form of a range of supplementary insurance policies. Second Opinion through Best Doctors Your employees can make use of a Best Doctors worldwide network through XHI for a second opinion. These are experts in their field. Not only can your employees make use of Best Doctors for difficult operations but also for longer-term symptoms. Care information per country Your employees can find a lot of information about many countries through the Worldwise website, with special extensive information about health care in a specific country. Furthermore they can find many tips and the possibility to locate the best hospitals and clinics. A reliable partner Achmea is a health insurance specialist. With 4.7 million policyholders, we are the biggest health insurer in the Netherlands. Achmea is a stable organisation with a robust financial basis. Via our emergency centre Eurocross we can provide your employees with the right care anywhere in the world, 24 hours a day, 7 days a week, 365 days a year. 3

4 XHI is an excellent and straightforward solution for you as an employer You want to ensure that your employees abroad have access to the very best care and a friendly and efficient service in the event of queries, or when they find themselves in need of care. Your other priorities will be easy administration and an excellent online service. Opting for XHI gives you both. You don t pay double premium When one of your employees is seconded on the basis of an E-101 or E-102 declaration, the insurance obligation will be based on the Zorgverzekeringswet (Health Insurance Act). With XHI you will never end up paying double premium. You only pay the XHI premium and no obligatory health premium. The salary related premium remains applicable. This makes XHI cost effective and easy for you. Off course your employee will be insured for the obligatory basic insurance with XHI. Easy administration As the employer you will be keen to keep administrative hassle to a minimum. No matter which nationality your expats have and where in the world they are working, the XHI insurance policy enables you to insure them via a single group contract. This allows you to keep optimal grip on all your health insurance policies. You can arrange your insurance wherever and whenever you want online via the special employer section of the XHI website: There you can, for example, access complete overviews, approvals of applications/changes and summaries of premiums and cover. This makes managing the policies a whole lot easier. 4

5 No double premium!

6 XHI is an excellent and straightforward solution for your employees XHI provides your employees and their family members with proper insurance whenever they are (occasionally) abroad for work. The fact that we are the largest health insurer in the Netherlands and are partners with Eurocross and Best Doctors means your employees of any nationality are guaranteed optimal care no matter where they are in the world. Arrange everything online XHI offers the convenience of online services, meaning that insurance matters can largely be arranged via the Internet. Your employees can perform the following tasks when they want, where they want via their personal page on the secure website register; submit invoices for reimbursement; examine claims; change personal details; access insurance details; change insurance details; print policy documents; submit questions. Eurocross Assistance Eurocross is a renowned Achmea institution with more than 25 years of experience and expertise in international assistance. Eurocross has a global network of specially selected medical institutions and can help you find the best hospital or the best care provider wherever you might be. The organisation also arranges the direct payment of hospital invoices on policyholders behalf. Eurocross can be contacted night and day, seven days a week and provides services in twenty languages. The Expat Assistance provided by Eurocross is a standard feature of XHI. This way we may relieve you of some of the work when it comes to cost management, process management and efficiency. International Competence Centre In addition to the website there is also the International Competence Centre which your employees can contact by , telephone or mail. Our specialists would be only too pleased to answer your questions and process claims and payments. We relieve you of all the bother while guaranteeing you satisfied and properly insured employees. 6

7 Second Opinion through Best Doctors Based on the medical file Best Doctors provide a written opinion about the diagnosis and proposed treatment for almost every kind of medical problem and disorders. These experts in their field can advise whether a difficult operation is the only option but they can also offer a solution to longer-term symptoms. It is of course reassuring for your employees to know of this possibility if it for example involves their children. Worldwise: care information per country. Your employees can access the Worldwise website through their personal webpage at for information about many countries, including extensive information about health care in a specific country. Furthermore they can find many tips and the possibility to find the best hospitals and clinics. Best Doctors is a standard part of XHI and may be consulted by the whole family. Eurocross Assistance s medical team can put your employees into contact with Best Doctors. If anything happens to them abroad, Eurocross is always the focal point for your employees. The Best Doctor s final second opinion is only sent to your employees and Eurocross medical team and never to the treating doctor or XHI. Eurocross medical team can discuss any further steps with your employees based on the second opinion. Your employee will also have access to Ask Best Doctors medical library full with information and 3D films about medical symptoms and their treatments! You can ask simple medical questions through the site. Access is only possible through your employee s personal webpage at 7

8 XHI: tailor-made health insurance Opting for XHI means opting for tailor-made health insurance for you and your employees. The package consists of an XHI Basic insurance and two supplementary insurance policies known as XHI Comfort and XHI Excellent. Further more there are also four supplementary dental policies. These supplementary insurance policies offer extra cover over and above the XHI Basic. This means you can offer your employees the possibility of arranging cover which is just as good and extensive as the cover they are used to in the Netherlands. XHI Basic XHI Basic is comparable to the basic insurance that is available in the Netherlands. It insures your employees and their family members for specialist medical care, hospital nursing, emergency assistance, patient transport and repatriation. XHI Comfort XHI Comfort is more comprehensive than XHI Basic and provides cover for, among other things, second class hospital nursing, orthodontics and alternative forms of treatment and therapies. will, for example, be insured for first class hospital nursing and an annual medical check-up. In addition, XHI Excellent offers a more extensive reimbursement for orthodontics and alternative forms of treatment and therapies than XHI Comfort. XHI Dental Your employees and their family members can also take out the XHI Dental as a supplementary insurance policy to cover dental expenses. They can choose from XHI Dental with 1 star, 2 stars, 3 stars or 4 stars. The number of stars indicates how comprehensive the supplementary dental insurance is. For example, XHI Dental with 1 star reimburses 100% to a maximum of per year and this increases to a maximum of 1, per year via the XHI Dental with 4 stars. The fact that there is no waiting time means your employee is entitled to the reimbursement of dental costs as soon as the insurance policy has commenced. XHI Excellent XHI Excellent is the most comprehensive supplementary insurance policy. With XHI Excellent on top of XHI Basic, your employees 8

9 All your expatriates covered by one group contract

10 XHI: tailor-made premiums Your premiums are calculated on a tailor-made basis. The size of the group of policyholders and any claims history can play a role, as can the age of your employees and the deductible excess. The premium calculation also takes account of the local costs of health care in the region your employees are located into. Three regions are specified: Europe (excluding Switzerland and Russia) The United States of America and Canada The rest of the world (including Switzerland and Russia) More information on XHI Please do not hesitate to contact us should you have any questions or would like to request an offer. Contact details for employers: XHI Tel: +31 (0) Postbus AB Leiden The Netherlands Should you have an insurance agent, please contact them for questions or information. 10

11 Six good reasons for choosing XHI 1. You never pay double premium. 2. The numerous options mean a tailor-made package is possible. 3. Your employees have a single point of contact in the form of the International Competence Centre. 4. Eurocross Assistance provides worldwide support 365 days a year. 5. Easy administration for you and your employees via 6. Your employees are insured worldwide for the best care also for Best Doctors second opinion