Employees are generally considered the most important single resource of any company. For businesses that post expatriates to foreign countries it is essential to ensure these key people are protected and have recourse to top-quality medical care if required. Standards of health care vary from country to country as do costs - by selecting a suitable group protection scheme access to the best medical assistance can be ensured and overall costs may be reduced. Protecting a business against the unforeseen cannot be achieved without protecting key staff.

Health cover; A broad array of options are available from basic plans that simply insure against hospitalisation and surgery costs right up to bespoke plans that cover out-patient medical costs, dental, evacuation cover and well-being programmes.

Please find below a non-exhaustive list of the typical protection features, and options, available:

	Hospitalisation - all inpatient & accommodation costs
	Out-patient doctors fees and surgical costs
	Rehabilitation & home care costs
	Emergency evacuation (home or nearest suitable hospital)
	Physiotherapy, chiropractors, osteopaths, acupuncturists, homeopaths, chemotherapy, radiotherapy, dialysis
	Local Ambulance charges
	Organ Transplants
	Hospitalisation Benefits (cash payment for each day in hospital)
	Repatriation & burial of mortal remains
	Dental - emergency only, or routine + emergency
	Optical Cover
	Routine maternity & complications to pregnancy
	Cover for New Born, in some case free up to age 10
	Free annual medical check-ups
	Overall cover limits ranging from US$100,000 to US$8,000,000
	Excess/Deductible options