International Services Network’s Global Care expatriate health cover has been created specially for the new era. Distances are shrinking. All around the world barriers are coming down. There’s a new international outlook. More and more people are working and living overseas. 

Living in a foreign country can be an exhilarating experience, but it can also be a problem as far as health is concerned, especially when the climate and culture are new to your expatriates.

ISN Global Care isn’t just for serious medical conditions – we’ll also take care of the day-to-day illnesses that can make such a big difference to your expatriate employee’s well being. 

INTERNATIONAL SERVICES NETWORK (ISN) 

ISN is an Australian owned firm of independent employee benefit and management consultants established as a totally dedicated service company to provide a range of integrated expatriate services to companies and organisations employing   Australian expatriates requiring Medicare compliance

ISN design Expatriate Health Programs as either 

q      Totally insured; 

q      Insured but with a choice of deductible.  

ISN SERVICE GUARANTEE 

ISN's philosophy is one of genuine service, and its mission is: 

1.     To be the preferred supplier of information, advice and support in the management of expatriate health management and, to provide 

2.     Highly qualified staff with a strong service orientation and depth of experience in expatriate health – emergency assistance and security programs 

3.     Seamless outsourcing service to the satisfaction of the client company and its international assignees 

4.     Substantial cost savings through economies of scale which result from ISN’s bulk purchase of services from individual providers 

WHY CHOOSE ISN? 

In today’s environment, Health Insurance and Security is considered to be an important aspect of an expatriate employee’s package. 

In whichever industry you operate you will want to know that your expatriate employee’s, who are based worldwide, have quick and easy access to medical facilities minimising their time away from business. Additionally, you will have the peace of mind that your employees can be seconded to various overseas locations during their employment contract but can maintain stability in the level of cover provided. 

The  “International Services Network” facility has been designed to accommodate the requirements of individuals, companies and affiliated organisations by providing a high level of benefit with flexibility combined with portability. 

The ISN facility ensures that your expatriates are adequately insured with a truly comprehensive medical and evacuation plan, providing not only comprehensive medical cover anywhere in the world including Australia but also complies with Australian National Health Act legislation, guaranteeing  “Continuity of Cover” on permanent return to Australia.

AN INSURER YOU CAN DEPEND ON 

The ISN GLOBAL CARE Policy is underwritten by one of the largest and most secure insurers in the world, American Home Assurance Company Limited ABN 67 007 483267, which is a Member Insurance Company of American International Group (AIG). 

Who is AIG? 

The American International Group (AIG) operates through more than 50 insurance companies and 200 agencies and services companies in over 130 countries and jurisdictions around the globe. Employing some 48,000 people, AIG is one of the world's leading international insurance companies, with assets of over AUD$350 billion.           

         Credit Rating

         AIG holds the highest ratings from the principal rating services:

Standard and Poor's                                           AAA

Moody's                                                             AAA

A.M. Best Co.                                                     A++

 
ISN GOLD MEMBER SERVICE OPTIONS

 CALL AUSTRALIA SERVICE 

The Call Australia Service is designed to provide a complete personal administration support program for expatriates. It specialises in all of the personnel areas, which are not generally the responsibility of the Human Resources function of the company that the expatriate may work for. 

Call Australia Service provides a significant support to the HR Managers by carrying out all non-company functions and allowing the particular HR manager to concentrate on core business and actual expatriate issues. 

Call Australia Service also provides significant support to the expatriate in addition to family and friends.  Many expatriates do not have a lawyer, financial adviser, tax adviser and so on, when they go overseas.  There may be occasions when services like these are needed from abroad and using family or friends is not appropriate.

There are also many requests, which are not company related and, where the expatriate needs a central point of call in Australia for the provision of services. 

For services, which are a straight referral, no fee is charged to the expatriate.  Where ISN carries out a direct task e.g. Purchasing, and sending particular items, ISN charge the costs and AUD$50 per hour for the service.  All costs and fees for these services are quoted in advance and subject to client approval. 

In essence, Call Australia Service is a complete back up service for expatriates and company managers for any request. Listed below are the main areas covered by the service but essentially, all requests will be addressed. 

1.     Dedicated customer service number and contact person

2.     Personal taxation and financial services 

3.     Legal services 

4.     All relocation assistance 

5.     Real estate assistance – property management 

6.     Motor vehicle forward purchase plan 

7.     Travel - holiday, accommodation and entertainment assistance 

8.     Insurance claim assistance 

9.     Cultural issues advice 

10.  Meet and Greet service 

11.  Removal updates and retrievals from storage 

12.  Phone order service 

 ISN Global Care MEDICAL INSURANCE PLAN 

Key features of  ISN Global Care  

The ISN Global Care Expatriate policy is presently one of the most comprehensive plans available in Australia. Incorporated are a number of benefits specifically designed to provide peace of mind to your expatriate employees. 

The ISN Global Care guarantees peace of mind to employer and employee alike in that expatriate employees and their dependents receive an extensive range of hospital, medical, dental, optical and ancillary benefits both overseas and in Australia. 

The plan is underwritten by AIG, one of the worlds largest insurance companies, and provides some core advantages over other expatriate policies, including: 

·       24-hour protection for the employee and their family whilst working overseas. 

·        Cover in Australia for up to 60 days in any one year 

·       100% reimbursement of hospital, medical, dental, optical services and ancillary care, for both routine and emergency treatment* 

·       Pre and Post travel medical advice by Health Services Australia. 

·       No age limit or occupational restrictions. 

·       Covers pregnancy and childbirth including complications 

·       Cover for the accompanying spouse and dependent children of the employee 

·       Claim payments- cashless claims service for inpatient hospital treatment and reimbursement for other services can be deposited into any Australian or International bank account.   

·       Emergency medical evacuation and repatriation 

·       Including: 

·       Continuity of health fund membership for the duration of overseas posting 

·       Full private health fund cover in Australia whilst here on short visits or annual leave  

·       Guaranteed re-entry into the Australian health system with no waiting times or penalties  

·       Lifetime Health Cover (LHC) compliant.

*Reimbursements are subject to policy limits and medical expenses incurred in Australia are subject to Medicare

Following is a summary of some of the benefits and services: 

1. Comprehensive Cover for In-patient and Out-patient Services 

ISN Global Care contains a number of concepts that are unique, and offers your expatriates the best of in-patient healthcare with all the cover you would expect for accommodation and treatment in hospital as a private patient worldwide including in Australia.  

The plan is specifically designed for Australian expatriates to comply with National Health Act legislation as this affects all Australian expatriates without exception and, on permanent return to Australia, the expatriate is guaranteed re-entry into the Australian Health System with no waiting times or penalties. 

2. Routine dental and optical treatment and vaccinations. 

Benefits are provided which incorporate cover for diagnostic and preventative dental services, restorative services such as fillings, crowns and bridges, and also specialist dental services such as orthodontia. Optical treatments include eye examinations and the supply of spectacles and contact lenses when needed.

3. Pregnancy and childbirth 

The policy provides comprehensive cover for pregnancy and childbirth including new born child benefits. If unfortunately there are complications with the pregnancy, the cover also extends to provide an additional AUD$100,000 cover limit for emergency post-natal care, which would provide for costs attributable to premature birth and congenital and birth defects.

4. Emergency Transportation and Accommodation Benefits 

In addition to the comprehensive Medical cover, the following benefits are incorporated in the policy as standard. A full description of these benefits is provided in the policy document. 

Transportation of injured or sick person by 

(i)    Land/Sea Ambulance

(ii)  Scheduled Airline

(iii)   Air Ambulance 

Where there is a valid claim for the Emergency Transport Benefit the following associated medical emergency transport and accommodation benefit charges can also be claimed by the insured: 

q      The expatriates return 

q      Repatriation of Family Members 

q      Accompanying Person for a Repatriated Dependant Child 

q      Accompanying Persons for a Repatriated Adult 

q      En Route Accommodation 

q      Pre-Hospitalisation and Post-Hospitalisation Accommodation 

q      Accompanying Person’s Accommodation 

q      Country of Residence Accommodation 

q      Country of Residence Benefit and ongoing expenses and charges benefit 

5.  Emergency Return Home Benefit 

In the event of

·       The unexpected death, or

·       Unexpected life threatening injury or illness of your spouse, parent, step-parent, parent-in-law, brother, sister, child or grandchild during the Policy Period

The policy cover will pay for an economy class air ticket for you to temporarily return to Australia and subsequently return to your Country of Assignment. You must provide us with a letter from a doctor to support your claim. 

6. Repatriation of Mortal remains or local burial: 

Following the death of you, your spouse or your children, charges incurred for the return of the body or ashes to the international airport nearest to the place of burial in your country of origin.

As an alternative and, provided that the overall cost does not exceed the cost of repatriation of the body, we will pay for local burial in the country of your overseas posting when requested. 

7. Trauma Counselling Benefit 

If the expatriate should suffer psychological trauma as a result of them being a victim of a criminal act (including car jacking, sexual assault, rape, violent robbery or other such violent incidents) occurring outside their Country of Residence the policy will provide for up to AUD$10,000 for the cost of trauma counselling. This is in addition to any other benefits provided under the policy.
 

8. Financial Planning Benefit 

If, following medical repatriation to their home country, they are unable to resume their overseas assignment, and undertake other employment in the 6 calendar months immediately following their Repatriation date the policy can provide up to AUD$10,000 for planning, taxation and investment advice provided by a licensed financial planner to assist in adjusting to their change in financial circumstances.
 

9. Australian Registered Health Fund Membership for the duration of the overseas posting  

Guaranteed re-entry into the Australian Health System on permanent return to Australia with no waiting times or penalties. 

On temporary visits to Australia, the Plan premium provides an automatic coverage period and the Health 30 consecutive days coverage any one stay and 60 days in aggregate in any one calendar year. 

Australian citizens currently residing overseas with no membership of an existing health fund will be able to serve their compulsory waiting periods within the ISN scheme whilst overseas, and on permanent return to Australia join the Australian health system with no penalties or waiting times. 

Health Fund waiting times are based on the relevant Minister’s maximum prescribed waiting periods and are, up to 12 months. If new membership overseas is for a period of less than 12 months prior to your permanent return to Australia then the balance of the waiting time will need to be served in Australia. 

Life Time Health Care Legislation requirements also sets a strict time limit on the period an expatriate can return to Australia, on a temporary basis. 

10. Emergency Assistance Services When Overseas 

The assistance service doesn’t stop at medical concerns only, the following Assistance services are included as a standard benefit within the policy 

¨     Access to a registered Medical Practitioner for emergency assistance and advice. 

¨     Emergency transportation to the nearest suitable hospital. 

¨     Payment guarantees to hospitals and insurance verification. 

¨     Second opinions on surgery. 

¨     Hospital case management 

¨     Emergency evacuation to Your home if necessary. 

¨     Advice to the family at home of Your medical condition and progress. 

¨     You will be kept informed of your condition and progress. 

¨     Location of Australian Embassies and Consulates. 

¨     Legal referral service. 

¨     Assistance in replacing Travel documents and passports. 

¨     Assistance and advice regarding the replacement of lost or stolen luggage. 

¨     Urgent message service and emergency travel and planning 

Assistance services are provided worldwide by, ISN ASSIST, and provides access to a highly trained team of assistance personnel (including medical professionals) who are available 24 hours, 365 days per year to assist with medical emergencies and any other related travel problems you may experience overseas. The golden rule is to call the doctor when in doubt about local medical care and certainly in the case of all emergencies.

OPTIONAL COVERS 

1.   Accidental Death Disablement 

If an expatriate was to suffer an injury which results within 12 consecutive months in death or specified events such as paraplegia/quadriplegia, loss of sight or loss of use of limbs etc. this cover will pay lump sum cash benefits. 

2.   Income Replacement 

If as a result of injury or illness an expatriate were prevented from engaging in his or her usual occupation, and is under regular medical care, the policy cover would provide for income replacement. 

3.   Travel cover 

The following travel benefits can be added to the policy. This cover applies only whilst you are travelling and is not payable in the expatriate’s home country 

This particular travel insurance is available at a low cost; as it has been designed specifically to complement the benefits you would already be receiving from the Expatriate Health Plan. 

This means medical expenses have not been duplicated hence the lower than normal price

Benefit                                           Sum Insured

Loss of Deposit                                   AUD$10,000

Additional Expenses                           AUD$10,000

Luggage                                               AUD$10,000

(Limit any one item – general) AUD$1,000

Portable Business Equipment              AUD$5,000

Mislaid Luggage                                  AUD$3,000

Money                                                 AUD$2,000

Missed Transport Connection             AUD$ 2,000

Rental Vehicle, collision damage

and Theft Excess cover                       AUD$3,000

Personal Liability                                AUD$10,000,000

Extra Territorial Workers Compensation Up to          AUD$1,000,000 in aggregate

4. Political risk and evacuation expenses 

If this benefit has been selected, and officials in the country recommend that certain categories of persons including the expatriate, should leave that country; or - are expelled from, or, declared “ persona non-grata” in the country they are in; or

 - A major natural disaster has occurred which necessitates immediate evacuation in order to avoid risk of personal injury or sickness to the expatriate; 

The policy will pay the reasonable costs of returning  

Ø     the expatriate to their country of residence; or 

Ø     the reasonable costs incurred in evacuating the expatriate to the nearest place of safety and whilst outside their home country pay for the reasonable costs of accommodation up to a maximum of AUD $250 per day for a maximum period of 14 days

5. Kidnap And Ransom 

Doing business abroad has its rewards and risks. Kidnapping, Extortion, hijacking, wrongful detention and sabotage and terrorism are today commonplace events. 

The number of Australians kidnapped, hijacked or wrongfully detained has recently increased alarmingly. Increases in crimes of abduction and extortion reflect a global trend resulting from growing instability in many areas of the world. 

Faced with all of the above, corporations have a moral and legal responsibility to protect their employees as far as possible. 

Corporations can best do this in two ways: 

1)     Country risk and travel information and security awareness for employees resident in or traveling to medium to high-risk countries, in conjunction with the development of realistic crisis management plans. 

ISN has the expertise to advise on these issues. 

2)   Kidnap and Ransom and extortion insurance, including hijack and wrongful detention (KRE) 

This cover provides protection for events such as: 

Ø     Kidnapping

Ø     Bodily injury extortion

Ø     Detention

Ø     Evacuation

Ø     Hijacking 

Plus financial protection for: 

Ø     Extortion or ransom payments including protection whilst in transit

Ø     Associated expenses

Ø     Detention and evacuation expenses

Ø     Necessary legal costs

Ø     Medical expenses including rest and recovery expenses

Ø     Cost of independent specialists 

COMPETITIVE PREMIUMS 

Group quotations 

Your corporate health plan can be tailored, within certain guidelines, to suit your specific corporate needs and requirements. 

▪        Plans can be structured with medical histories disregarded in specific cases. 

▪        Plans can be transferred over from other insurers on a simple uncomplicated basis. 

To enable ISN to quote final terms we will need the following information: 

Claims experience – 3 years preferably-including: 

Ø     Number of expatriates

Ø     Details of current benefits

Ø     Single /Married

Ø     Location

Ø     Occupation

Ø     Nationality or home country

Ø     Dates of Birth 

It would be prohibitively expensive to cover everybody for all medical conditions whilst seconded overseas.

To enable us to keep your premiums as low as possible we have incorporated some exclusions. These are listed in full on page 4 of the policy document. 

The ISN facility is designed to cover expenses for both necessary and routine medical treatment there are however certain medical conditions and treatments, which are not covered under the facility such as Cosmetic surgery, Infertility treatment, Sterilisation, Insanity etc. We do not cover pre-existing illnesses or known medical conditions which have been treated or of which you were aware in the twelve months preceding enrolment with the following exception: 

·       Expatriates and their families who have compulsory pre-travel medicals in HSA clinics, in order that pre-existing conditions can be underwritten at time of application. 

·       Groups of 50 or more expatriates have the benefit of automatic acceptance, subject to provision of health declaration. 

Important note re: Pre- Existing conditions

After a period of twelve months of insurance with no recurrence, that pre-existing medical or related condition may be eligible for cover under the ISN facility. 

High Risk or Remote Locations 

Any members who intend to undertake or supervise manual work, or visit remote work sites should submit their plan to ISN with application for assessment. There is an additional premium to cover work related claims for certain occupations and at mining sites and remote locations. 

Hazardous Sports 

Any member who intends to participate in hazardous sports should submit their plan to ISN with application assessment. Any additional premium or conditions of cover will be endorsed accordingly. 

Individual members will be provided with a member kit containing:

▪        member information booklet,

▪        claims procedures, for overseas and in Australia,

▪        claim forms, membership cards and/or assistance cards, and details of individual member services provided under ISN Gold membership. 

Claims Administration 

ISN has created a sophisticated claims administration system that enables ISN to provide the best in customer service so that managing health care presents no additional challenge and reports provided will act as a management tool to assist in containing future premiums. 

ISN Claims service to members 

Claims turnaround in less than 10 working days (upon receipt of all requirements) 

·       Telephone access 

·       Email access  

·       Foreign currency reimbursements 

·       Direct credit to foreign bank accounts (subject to domestic regulations) 

·       Individual member records by date, service and amount

·       General assistance;

WAR RISK  - IMPORTANT NOTICE 

We are frequently asked to explain how the ISN policy responds to war, invasion, civil war and terrorist’s acts. 

There are some significant differences under the ISN/AIG expatriate policy, which are normally excluded from most other policies. 

Under general exclusions of the ISN Global Care policy claims are excluded directly or indirectly arising out of: “any consequence of war, invasion, and civil war”, whereby 

·        War is defined as “any armed hostile action between two or more nations-states, whether such war is “declared” or not. 

·        Invasion is defined as one nation -state taking by military force the territory of another nation-state 

·        Civil war is defined as any armed hostile action between military or civilian factions within the same country 

This exclusion does not apply to past conflicts –  

Therefore events relating to artefacts of previous wars invasions etc are covered by the ISN policy. (Land mines in Vietnam planted during the Vietnam/USA conflict) 

Acts of terrorism eg. (Bomb planted in London by IRA). 

Any consequence of war (whether declared or not), invasion or civil war which occurs within a maximum period of 14 days immediately following the outbreak of war, invasion or civil war breaking out in insured persons country of assignment. 

This means you have 14days to either leave, or arrange cover at an additional premium.

HOW TO APPLY 

Just complete one Application Form per family and forward to our office. Please provide full details of medical history and pre-existing conditions together with any supporting documents from physicians and specialists. 

HOW TO PAY THE PREMIUM 

Once your application has been accepted ISN will issue the policy documents and the premium notice, As the guaranteed insurance cover will depend on when the company receives the premium payment, we suggest that you arrange the payment within 10 days after receipt of the premium invoice.

You can choose any of the following methods of payment: 

·       Personal or company cheque issued to International Services Network

·       International bank transfer from your bank to our bank: 

Commonwealth Bank

48 Martin Place

Sydney NSW 2000 

International Services Network Pty Ltd Trust Account

BSB No.         2000

Account No.   10897903 

Membership of the ISN facility gives your expatriate employees access to: 

·       Excellent knowledge of medical care across the globe 

·       A 24 hour multi-lingual help line, open 365 days a year 

·       Medical care wherever you are in the world 

·       Flexible medical cover to meet your needs 

PLEASE NOTE 

The information contained on this site has been prepared as a summary of the scope of protection provided under the Expatriate Insurances arranged by International Services Network Pty Ltd 

It is not intended to alter, or override the Terms, Conditions and Limitations of the Policies and/or Cover Notes, which set out the basis of the insurance. 

For full details of cover, terms and conditions of any particular insurance, please refer to the Policy Document. It is absolutely essential that you should read the Policy Document and advise ISN in writing of any aspects which are not clear or where the cover does not meet with your requirements.

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