Aetna International, the worldwide health business of Aetna Inc., has more than 30 years of experience in the international market and currently provides benefits for thousands of people in nearly 100 countries around the world. Our broad client base includes major corporations and non-profit organizations involved in a wide range of worldwide businesses, including: oil/energy, financial services, the entertainment industry, international shipping, hospitality services, technology, manufacturing, missionary groups, government agencies, and international schools. Because we offer a customized, tailored approach to plan design and administration, we are able to meet the needs of a broad range of global customers.--
Aetna International currently provides coverage for tens of thousands of Expatriates, Third-Country Nationals, and Local Nationals located and/or traveling throughout nearly 100 countries around the world. With a broad product portfolio and a significant membership base, Aetna International is a leading provider of global health care benefits.
Why does my organization need Expatriate Group Benefits?
If your company or organization has expatriate employees (employees physically residing outside their country of nationality for more than 6 months out of the year), we encourage you to review your current health insurance policy. There are key contractual clauses that limit the amount of time an employee can reside abroad and still receive appropriate levels of care. For expatriates and long-term travelers, these clauses, and other problems unique to expatriates, create serious coverage problems.
- Residency Clause - The primary function of a residency clause is to ensure people live in the state where the policy was purchased. For groups, this clause will stipulate that the member reside within the U.S. at least 6 months out of the year. If the residency clause is violated, then coverage is automatically void for that employee and dependents.
- Coverage Outside the U.S. – The majority of U.S. health plans offer emergency care only when outside the U.S. Also, most U.S. health carriers are not able to assist with claims or services when the employee is outside the U.S. The employee is responsible to arrange for care, pay claims, handle emergencies and then submit claims back to the U.S. carrier for reimbursement later.
- Self Insured Coverage - In the case of self-insured plans the Residency and Out-of-U.S. coverage may not apply. However, there are other considerations that you may want to consider. For example:
- Can international claims be effectively managed from the U.S.?
- What sort of medical evacuation and assistance are in place?
- How will expatriate employees find and access quality medical care?
Many self-insured groups utilize an international health plan to protect and manage their global employees. When in the U.S. the employee reverts back to the self-insured plan. This provides a tremendous premium savings yet gives the employees the proper insurance, services and support they require while overseas.
The purpose of purchasing an expatriate medical plan is to avoid placing the burden of care on the member. It provides parity of coverage for those who take overseas assignments and the services and support needed to ensure their well being.
Aetna International Expatriate Trust plan is designed for small expatriate groups of 2 to 20 eligible employees. The plan has a comprehensive level of medical benefits, four different deductible and co-insurance options and a selection of optional benefits. Your expatriate employees can choose between seeking care in the country of assignment or anywhere in the world including the United States. Dependents of expatriate employees residing in the U.S. can also be covered under International Expatriate Trust.
Global Benefits can create an appropriate solution to meet your organization's expatriate benefit needs. In some cases, Global Benefits and Aetna International have worked together to create a custom plan for a client's unique requirements. We would be happy to discuss your specific needs with you. Contact Global Benefits
Unique Plan Features
Coverage is available worldwide including the United States.
COBRA / HIPAA Compliant
The International Expatriate Trust plan meets these two important Federal laws concerning continuing coverage, post-employment coverage and healthcare portability. While the Global Health Advantage plan is COBRA compliant, CIGNA Int’l does not provide COBRA administration. Consistent with HIPAA guidelines, CIGNA International will recognize Certificates of Credible coverage for employees joining the plan.
The Consolidated Omnibus Budget Reconciliation Act (COBRA)
was passed into law to allow former employees the ability to continue their previous employer’s health insurance coverage for a specific amount of time. For more information about COBRA, please go to the link below:
The Health Insurance Portability and Accountability Act (HIPAA)
was created in part to improve portability and continuity of health insurance coverage in the group and individual market. For more information about HIPAA, please go to the link below:
Complete Expatriate Employee Benefits
Many international expatriate insurance plans offer limited choice of benefits – typically medical and dental only. The International Expatriate Trust plan has a complement of optional benefits including: Life/AD&D, Evacuation/Repatriation and Long Term Disability insurance.
No Medical Underwriting
Qualifying expatriate groups will not have to submit to medical underwriting. This ensures that your organization can move forward with the employees you want overseas. Note that there are other underwriting standards that apply, such as country of assignment and nature of work.
All four versions of the International Expatriate Trust plan share these common benefits.
Customization – If your company requires coverage not found with the International Expatriate Trust, please contact us. We can assist you with designing a plan under Aetna International’s “Custom Medical Plans” program. Custom Medical Plans offer the employer the flexibility to change certain plan benefits to meet its expatriate employees' needs.
Plan Design Options
The International Expatriate Trust is available in four different plan choices – PPO 1, PPO 2, PPO 3 & PPO 4. The main difference between these plans is the deductible and co-insurance levels.
International Expatriate Trust offers one of the widest selections of optional benefits available to small expatriate groups. For a summary of these optional benefits, please read the Brochure
. Optional Benefits include:
International Expatriate Trust offers two levels of dental coverage, Plan 1 & Plan 2. All levels include coverage for Preventative Services, Basic Services and Major Services. Plan 2 includes Orthodontia for children.
Aetna International will pay 100% of the cost of a medical evacuation or repatriation. Medical expenses associated with an evacuation are also covered. This benefit is not subject to a deductible but does require Aetna’s assistance team to coordinate the medical evacuation or repatriation.
Long-Term Disability Insurance
Groups of 10+ to are able to purchase Long Term Disability insurance as a separate product.
International life insurance is one of the most difficult types of coverage to find for groups fewer than 10 lives. The problem is compounded for expatriate employees working in higher risk countries. All International Expatriate Trust plans allow groups to purchase Life/AD&D with a maximum benefit of $300,000.
Global Benefits can arrange for additional life and AD&D coverage if necessary. With our experience and contact in these specialized markets, we have been successful in obtaining coverage for our clients with highly compensated expatriate employees or with employees in high risk areas of conflict.
Aetna International offers a number of unique tools and services to provide expatriate members the resources they need to be successful. By using these tools and services, members can locate quality healthcare quickly and Aetna International can arrange to pay providers directly. This allows expatriate employees and their dependents to focus on their overseas assignment.
Web Portal – Aetna Navigator - www.AetnaGlobalBenefits.com
Both expatriate members and their employers can use this powerful web based tool.
Expatriate Employees – Instant access to vital claims information, print new ID cards, download forms, search for doctors and hospitals anywhere in the world.
Employers – Identify covered employees, online enrollment service to monitor or update information, and access the billing management system.
Customer Service Contact Center
Aetna International pioneered the concept of an "international health care concierge". This means that we put our members at the center of everything we do, and want to make sure they are satisfied the first time—and every time—they interact with us.
Our trained, multilingual member service professionals are available year-round to respond to members' international benefits needs. Core services include:
- 24-hour, multilingual support via toll free phone, fax or e-mail
- Helping members locate health care around the world
- Answering questions regarding claims, benefit levels and coverage
- Global Claim Processing: we process claims in virtually any language and offer three convenient reimbursement options
Members can contact Aetna International anytime for services such as:
- Arrangement of emergency medical evacuation
- Assistance to gain admission to a hospital
- Guarantees of payment to providers (nearly a 100% acceptance rate)
- Referrals to prescreened doctors, dentists and hospitals
- Telephonic access to medical advice and consultations
- Verification of benefits and eligibility
Concierge and Travel Assistance Services
Aetna International members receive a number of emergency travel resources as part of their plan.
- Assistance on replacing passports and credit cards.
- Arrangement of emergency travel for family members to join a hospitalized family member.
- Referrals to overseas embassies and attorneys.
- Assistance with lost luggage.
Medical Services & Clinical Resources
Aetna International provides a number of services and resources that exceed simply providing medical care. Aetna International headquarters provide coordination of care, outreach to providers around the world and intervention to ensure members receive the best care possible.
International Health Advisory Team (IHAT)
Unfamiliar health care systems, procedures, foreign currency… there are many things to consider when going on an international assignment. Our International Health Advisory Team (IHAT) was created to help members prepare for their transition.
IHAT is a personalized, innovative model that includes both Aetna health care professionals and our best-in-class strategic partners, who offer the highest level of services designed to meet the unique needs of a global population.
IHAT provides members with a single point of contact any time of day or night – ensuring consistency and a higher standard of care. The IHAT team uses state-of-the-art resources to supervise medical evacuations and other emergency assistance. In addition, it coordinates second opinions for complex cases, and provides personalized member outreach, medical case management, and pre-assignment planning -- which can include anything from locating a disease management specialist to helping members obtain medical devices or prescription medications.
IHAT's vast clinical knowledge has no geographic borders; the team has extensive experience helping members navigate health delivery systems anywhere in the world.
24- Hour Health Care Counseling Service - Informed Health Line
Sometimes health questions come up at times other than regular business hours. Aetna’s Informed Health Line gives employees convenient, toll-free access to registered nurses 24 hours a day, 7 days a week. Our nurses can provide a variety of health information --- when employees need it most.*
*Informed Health Line Services are provided by Informed Health Line, Inc. Informed Health Line nurses cannot diagnose, prescribe or give medical advice. Members should first contact their doctor with any questions or concerns regarding their health care needs.
International Employee Assistance Program (IEAP)
Personal issues shouldn’t detract from an employee’s health or assignment, however, challenges can arise. This can be especially true when facing the cultural adjustment issues that can be associated with an international relocation. Our International Employee Assistance Program (IEAP) can help employees and their families address issues that may arise while on assignment. Services include 24-hour crisis intervention, up to five counseling sessions (in person or by telephone) per plan year, management consultation, Web-based health and wellness information and self-assessment tools.
Aetna Global Health Connections
International Disease Management Program
Our International Disease Management Program can help your employees understand their diabetes, asthma, cancer or coronary artery disease, better manage their condition and ultimately achieve their state of optimal health — all with a helping hand from the International Health Advisory Team (IHAT).
International Maternity Management Program
Your employees can enjoy education on the basics of pregnancy, healthy eating and exercise, tips for dad/partner, bringing baby home, and more — all on their secure member website. And as always, IHAT is ready to provide the extra clinical support to help your employees know and manage their risk factors.
Eating right and maintaining a healthy weight directly affect your employees' wellbeing. That’s why we are pleased to offer savings on Weight Watchers®, a trusted name in safe and sensible weight loss, to our members
The Wellness Center is available through the secure member website and offers a wealth of health and wellness information on topics such as pre-trip planning, managing a chronic condition, stress management, maternity tips, and more.
Wellness Checkpoint is a self-directed online wellness program that provides participants with knowledge about their personal health needs and motivates them to make lasting positive changes. A confidential Health Risk Assessment drives a Personalized Action Plan that covers a range of topics including nutrition, fitness, stress management and more.
Claims and Providers
Aetna International offers members a wide range of options and tools to assist with the claims process. Many of these tools are available through a special member website. We highly recommend that members log on to the AetnaGlobalBenefits.com site in order to access these tools.
Members can submit claims to Aetna International in virtually any language and receive reimbursement in a wide range of currencies. Aetna’s multilingual assistance team can help you with hospital admissions; their on-staff physicians can provide medical advice and verify benefits 24/7. Ninety percent of claims are processed within 10 business days.
We recommend that you contact Aetna International immediately if you have an emergency, require medical transportation, have an upcoming surgery or need to be hospitalized. Aetna International’s multilingual assistance staff is ready to assist you 24/7. Some services require Aetna International’s coordination in order to be covered.
Online - AetnaGlobalBenefits.com
Aetna International has created one of the strongest web tools available to assist members with a wide variety of needs while residing overseas or seeking care back home. With AetnaGlobalBenefits.com, you can research providers that can bill Aetna directly, download claim forms, track claim history and print ID cards.
Claims may also be filed using a traditional paper claim form which is available in multiple languages. Please download the claims form below and follow the filing instructions. Aetna International Claim Form
Working with providers that bill Aetna International directly can save you time and energy collecting a reimbursement.
International and U.S. Providers
Aetna International has 7 global offices to serve members located in Tampa, FL USA (2), London, Dubai, Hong Kong, Shanghai & Jakarta.
International service center (24-hour)
- Toll free (reverse charges): +1 800 231 7729 (International)
- Direct or collect: +1 813 775 0190
TDD (hearing impaired)
- Toll free(reverse charges): +1 800 475 8751
- Direct: +1 859 425 3363
Aetna Global Benefits
P.O. Box 30545
Tampa, Fl 33630
Contact us: https://agb.aetna.com/contact/default.jsp
CENTRAL & SOUTH AMERICA, CANADA & CARIBBEAN
EUROPE & RUSSIA
Aetna Global Benefits
P.O. Box 30545
Tampa, FL 33630
Aetna International (Europe) Limited
AFRICA, MIDDLE EAST, INDIA & INDIAN OCEAN
* International toll free numbers require an access code. To locate the number for the country from which you are dialing, visit www.att.com/business_traveler
. If your country is not listed, please call collect on +1 813 775 0244
Aetna Global Benefits (Middle East) LLC
SOUTHEAST ASIA & PACIFIC RIM
Oud Metha Building
PO Box 6380
United Arab Emirates
Aetna Global Benefits (Asia Pacific) Limited
DCH Commercial Centre
25 Westlands Road
* International toll free numbers require an access code. To locate the number for the country from which you are dialling, visit www.att.com/business_traveler
. If your country is not listed, please call collect on +1 813 775 0244
Aetna (Shanghai) Enterprise Services Co. Ltd
Harbour Ring Plaza
18 Middle Xi Zang Road
Huang Pu District
PT Aetna Global Benefits Indonesia
Menara BCA Grand Indonesia 50/F
Jl. Thamrin No. 1
The Aetna Expatriate Trust plan is designed for groups of 2 to 20 expatriate employees. If your organization has one employee then please visit our Travel
page. If you have more than 20 employees then please complete the group health questionnaire
To be eligible for the Aetna Expatriate Trust group plan, the following requirements must be met:
- An employer must have a minimum of fifty or more employees worldwide.
- Of the 50 or more employees, a minimum of two expatriate employees must be enrolled in the plan.
- All expatriate employees covered must have the same benefits, and medical coverage is mandatory.
- The policy must be delivered to a U.S. address.
Coverage can be terminated by Aetna International if the group falls below two employees. Other eligibility factors such as the employees' ages, their location and nature of work, as well as the local insurance laws may be taken into consideration.
Full-time employees must reside outside their country of citizenship. Residency is generally determined as physically spending at least six months a year abroad.
Currently, medical history is not a factor in determining employee eligibility.
Eligible dependents include the employee’s lawful spouse and unmarried children under age 19. Unmarried children ages 19 through 25 years are also eligible with proof of being a full-time student. Dependents who reside in the U.S. are eligible, provided that the expatriate employee resides outside the U.S.
If you have a group who may qualify for the Aetna Expatriate Trust plan, please click on the Quote tab and download and Request for Quote form to be forwarded to Global Benefits, or contact us directly. We will work with you to determine whether the Aetna Expatriate Trust program is the right fit for your international employees.
How Global Benefits Provides Quotes
Global Benefits uses a four-part process to provide clients with a proposal and secure coverage: evaluation, research, recommendation and implementation.
- Evaluation – We will review your organization’s international insurance needs, weigh your short-term goals, long-term business objectives and review budgetary requirements.
- Research – We assess which carriers can deliver products that best fit your organization's needs. To begin this step, we require an RFQ (Request for Quote). This will provide us the necessary information to communicate with carriers and identify appropriate solutions.
- Recommendation – Finally, we present to you the best solution or solutions that will meet your goals and review them with you.
- Implementation – We then manage all aspects of the plan's implementation and provide ongoing servicing, which includes:
- Communication of benefits to eligible employees
- Delivery of policy materials and ID cards
- Direction on how to use online tools
Download the Request for Quote Form
If you have already spoken with a Global Benefits representative and wish to complete an proposal request, or would like to provide the proposal request first before discussing your needs, please download and complete the RFQ form below. A Global Benefits representative will follow up with you once it is received.
Please email or fax the proposal request to our office:
Email – info@GlobalBRI.com
Fax – 317 328 4640
Contact Global Benefits
If you would like our assistance in solving your international employee benefits needs, please contact us. We’re here to answer questions and guide you through the process.
How to reach Global Benefits
U.S. Toll Free: 888 258 6820 ext. 177
International: +0 11 317 735 4077