By some estimates 3 million U.
S.
citizens become expatriates a year, but most not for political reasons.
Living and working abroad can be an exciting and enriching experience.
Many Americans are going abroad in search of new challenges, opportunities, and more congenial ways of life.
You have enough to worry about when you're traveling.
Don't let your medical coverage be an uncertainty.
You should feel confident that your insurance plan provides the quality medical coverage you need.
It's important to find the product that's right for you.
International employment can fall into a variety of categories, including but not limited to: Foreign Employment Programs; Foreign Exchange Programs; Universities; Multi-National Companies; Overseas Employment Contracts; Non-Profit Organizations; Church Groups; Missionaries; Trade Associations; and, International Chamber of Commerce.
Depending on your status, there are several options available: 1) Long-Term (Group) A revolutionary program designed to meet the global health care needs of international assignees, and provide multinational employers with flexible options of both benefits and services.
Employers can carve out their international employees to provide them with U.
S.
-style benefits and worldwide coverage with access to global providers.
This is for the cost-conscious employer who wants to provide his employees the peace of mind that a comprehensive group medical plan provides and can be tailored to include: life, dental, disability and AD&D.
This is the plan of choice if you have: * U.
S.
and non-U.
S.
employees * Two or more internationally assigned employees * Expatriate employees * Third country national employees * Local national employees * Independent contract employees * Spouse & children 2) Short-Term (Annual multi-trip) Designed for executives that take multiple trips throughout the year outside their home country.
Complete package of international benefits available 24 hours a day.
Everyone enrolled is then covered during that year for each trip taken together outside your home country.
* Short-term travel medical insurance for U.
S.
citizens and non-U.
S.
citizens * Coverage for executives, their spouses and/or children traveling together for a period of one year * Multiple trip coverage throughout the year up to 30 days in length * 24/7/365 service for emergencies anywhere in the world * Access to a global network of highly qualified providers * Responsive medical management in the event of medical emergencies anywhere in the world * International, multilingual customer service centers * Access to useful, informative online tools that provide the information you need and save you time when you may need it most Additionally, you have access to more than 17,000 providers when seeking treatment outside the U.
S.
using our International Provider Access (IPA).
You can also reduce your out-of-pocket costs when seeking treatment in the U.
S.
by locating providers through the independent Preferred Provider Organization.
A great US-governmental resource is found here: http://www.
usa.
gov/Topics/Americans_Abroad.
shtml Global and Expatriate Benefit plans provide essential insurance benefits for all nationalities working and living anywhere in the world.
The following types of insurance are available for individuals, families, contractors, and employer groups worldwide: Global Health and Medical Insurance, International Life Insurance, International Accidental Death & Dismemberment, and International Disability/Income Protection.
Coverage to include War and Terrorism is available upon request.