This plan targets firms with 1-99 international employees, providing international private medical insurance (iPMI) cover for them and their dependants (using the Now Health WorldCare plan). The plan covers pre-existing conditions and provides worldwide cover, (which can either include or exclude the USA). Four levels of cover are available – Essential, Advance, Excel and Apex.
A key feature of Willis’s proposition is online medical pre-assignment screening. Employees (and their dependants) complete an online questionnaire which is then analysed. If there are no concerning medical conditions, the employer is issued with a clearance certificate. If there are, a medical professional contacts the employee to discuss the condition and provide advice and guidance. If the screening identifies a high risk, the employer gets a report along with guidance on steps to minimise the risk. The cost of the screening is included in the iPMI premium.
The plan itself covers emergency and routine medical care; vaccinations and inoculations; chronic conditions and cancer care; wellness cover as standard; options to include maternity, dental and vision care; a variety of cover limits to tailor befits and costs, and a range of excess options.
The plan is designed to be managed online and includes online regular management reporting.
What They Say
Client development manager Michelle Bishop said: “There are limited products available on the market that enable upfront risk management specific to an employee’s health. This will be the first medical pan to include pre-assignment screening as standard.”
What We Say
"Managing employees working abroad can be difficult, especially if health issues arise that could or should have been foreseen. Willis has recognised this and brought together the benefits of iPMI and pre-assignment screening to provide a one-stop solution simply and cost-effectively.
"Both the iPMI and screening providers are established players, as indeed is Willis, so the mix should appeal to many employers – not only covering the expected and unexpected, but also ensuring any potential health issues are recognised early, opening up- scope to do something about them before they become too difficult or expensive."