|
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.
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:
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.
(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.
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
(Limit any one item – general) AUD$1,000
Mislaid Luggage
AUD$3,000
Rental Vehicle, collision damage
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
Neces | 
