Group Health Insurance Plans with 26+ Lives

International Group Health Insurance Plans with 10+ Lives

GlobalCare health plans are designed and reinsured by HanseMerkur, one of Germany’s oldest and most esteemed insurers, a name synonymous with quality and the highest standards of service and customer satisfaction.

We strive to provide clarity and transparency, offering benefits and terms that are easy to understand, ensuring you have the confidence of knowing exactly what is covered and the peace of mind that members can access precisely what they have paid for.

Our group products are tailored to meet the specific needs of companies with multinational workforces operating across the globe. The level of cover and benefits is flexible, with straightforward options that enable the customisation of plans to best suit the needs of employees, and, if required, their dependants, all at a price that is right for you.

One aspect that remains constant, regardless of which plan and options you choose, is our commitment and drive to deliver quality, excellence, and the highest levels of service and customer satisfaction.

Tailor-made Plans

We recognise that all businesses are unique, which is why our “Flexi” plans are designed to be fully customisable, allowing you to tailor them to suit your specific needs and budget.

Some benefits may not be essential for everyone but could be desirable for others, while other benefits may require varying levels of cover, limits, and co-insurance.

Regardless of the options you choose, standard core benefits such as inpatient, day patient, and outpatient treatments are always fixed and uncapped, providing exceptional coverage for the most medically significant and potentially costly treatments.

Please contact your local sales agent, who can provide personalised advice on the best options for your specific requirements.

Rough seas represent high claims or expensive medical conditions

These medical insurance products tailored for small and medium-sized enterprises (SMEs) can be likened to a year-long journey across a vast ocean in a small boat. For many, the voyage is smooth and uneventful, with the boat making it easily to the other side. However, too often, rough seas can take their toll.

This leads to increased efforts and high costs at the end of each journey to maintain your boat’s seaworthiness, ensuring your crew can set sail for another year.

Community rating means you do not have to shoulder all the risks on your own.

Community rating means that if your crew comprises between 10 and 70 people, they can be pooled together with those of many other SMEs in a large, comfortable, and unsinkable cruise liner.

A thorough assessment and calculated pricing for each SME crew allowed on board.

Professional underwriting of all new SMEs further enhances the proposition, ensuring a smooth and safe journey year after year, with the confidence that any waves, no matter how large, will not disrupt the ship.

Reduced risk and increased certainty make it easier to keep your employees happy, healthy, and motivated, as budgets can be more accurately projected and more easily met. This means you won’t have to cut benefits or change insurers at renewal simply because someone develops a serious or costly medical condition.

Our International Group Health Insurance Plan

“Covered” refers to up to the Annual Policy Limit (minus all other eligible costs incurred during the policy term). Any monetary amounts represent Benefit Limits (sub-limits).

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Features & Benefits

Simple & Clear: We prioritise clarity and transparency, providing benefits and terms that are easy to understand, along with straightforward processes and procedures.

Plans to Suit Your Needs & Budget: From the locations where you are covered to the monetary limits and scope of benefits, including the quality of network providers, the choice is yours.

Telehealth: This convenient service provides members with unlimited access to expert opinions from qualified doctors and medical advice on various conditions, diagnoses, and treatments over the phone or through a mobile app.

Member Assistance Programme (EAP) / Well-Being: We offer counselling (in person, via video, telephone, or chat) in over 200 languages for issues related to Family, Life, Health, Money, and Work through our website or app platform.

Medical History Disregarded (MHD): The application process is simplified, allowing forms to be completed by one authorised representative from the company rather than requiring each insured individual to fill out their own forms.

Reduced Risk & Increased Certainty: Policies covering fewer than 71 lives are “community-rated,” meaning that if a member develops or suffers from any serious or costly medical condition, it will not result in punitive price increases at renewal.

No Need to Pre-authorise: Everything is managed when visiting network providers. For visits to providers outside the network, there is no need to waste time seeking pre-authorisation, as claims will be payable if medically necessary and covered.

Second Opinion: We understand that decisions regarding your health and proposed treatments can be some of the most significant you will ever make, which is why all members are entitled to a second opinion.

24/7, 365 Days a Year Helpline: Our multilingual team of medical experts and professionals is always available to advise and guide members.

Mobile App: This convenient technology allows you to check details about your plan, make and monitor claims, and locate providers and specialists in specific areas at any time.

Global Direct Billing: Members have access to Henner’s Global Network, enabling direct billing with over 60,000 providers in 190 countries.

World-Class Treatment & Care: All plans provide access to leading medical providers and care within the selected geographic coverage area.

Continuity of Cover: Members and their dependants can switch to a portable Individual & Family Policy without further underwriting if they leave a Group Policy.

Unbeatable Value for Money: As a mutual organisation, HanseMerkur is not driven by the necessity to generate profits for shareholders, ensuring that the quality and level of cover and service provided for the price are unparalleled.

Covered Means Covered: You will receive exactly what you have paid for, with no hidden clauses, no prohibitive sub-limits, and no unfair exclusions.

Relax, we’ve got you covered

At this premium end of the health insurance market, you can expect to have access to top medical professionals, providers, and healthcare services, and we guarantee this.

What sets us apart is the level and quality of service and support we are dedicated to providing to all our clients. We view customer service as the experience we create for our clients and as an opportunity to exceed their expectations; this mindset underpins everything we do.

Our goal is to provide the highest level of care for your employees and their families, ensuring they remain happy, healthy, and free from unnecessary hassle and stress, thereby assisting you in achieving your own corporate objectives and goals.