International mobility: worry-free travel abroad.

This insurance is a legal requirement and includes several essential forms of cover for your employees and student workers. Examples of possible extensions to the mandatory cover include teleworking, assignments abroad and events.

The insurance covers temporary disability, permanent disability, death, medical expenses and costs for damage to prostheses. For international assignments, specific extensions can be added that reflect the increased risks abroad.

This cover supplements the legally required work accident insurance. The law sets a maximum salary on which insurance benefits have to be paid, but as a company you can determine the cover yourself.

For employees working outside the country, excess work accident insurance offers extra protection above and beyond the statutory minimums. This is especially relevant for managers and specialists who travel regularly abroad or stay abroad for extended periods.

The distinction between activities at and outside work isn’t always clear. What if your employee has a fall while jogging just before work on a business trip?

Personal life insurance can be an attractive fringe benefit. You can also put together the compensation plan yourself to reflect the specific risks of the country or region where your employee is working. By combining work accident and personal life insurance, you can be confident that employees are always covered for the consequences of accidents.

This primarily provides local assistance in the event of an unexpected incident and coverage of medical costs after an accident or unexpected illness during a business trip of limited duration. This insurance is ideal for short business trips. Besides assistance, the policy can also cover other risks such as cancellation or interruption of the trip, delays, civil liability, legal assistance and hijacking or kidnapping. Travel assistance insurance can be taken out for anyone travelling on behalf of the company, whether or not they are employees.

IPMI is a wide-ranging form of insurance that is recognised worldwide and has numerous advantages. This insurance is particularly attractive for employees residing abroad for your company for a longer period of time, often with their families. Among other things, IPMI also provides pay-outs for regular medical care, ensuring broader protection than conventional travel insurance. It also means that your employee can be confident of being able to access high-quality medical care anywhere in the world. The insurance covers outpatient medical costs, hospitalisation and extensive care – and even pregnancy and maternity care.

Add-ons for expats

International employment, including on an expatriate basis, can be associated with unique mental and physical challenges, in both personal and overall terms. Add-ons can provide for civil liability, personal effects and goods, death, permanent disability and loss of income. Psychological support in the event of social isolation and homesickness is usually covered too.